23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I began receiving bills from XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX company in XX/XX/XXXX for services rendered in XX/XX/XXXX. Upon receipt of the first bill, I reviewed my explanation of benefits ( EOB ), which explained that dollar amount was the contracted adjustment and the patient ( me ) was not responsible. I contacted the billing department for the above company and they stated they would make notes as they were awaiting the EOB and to disregard the bill. In XX/XX/XXXX, I received another bill requesting the same amount. This time the individual I spoke with informed me that they received the EOB and the adjustment would be made to my account and to disregard the bill. In XX/XX/XXXX, I received another bill - at this point I became concerned that this would lead to a report to the credit agency bureaus. The individual I spoke with time stated the same as the previous employee, that they had received the EOB and the system would be adjusted to reflect no monies were due from me. The individual further explained that they were unable to prevent the bills from being sent but instead reassured me that based on the EOB the account would be corrected and I could ignore any more bills as once the account has been corrected the bills would cease. I asked would the fact that I had been receiving bills monthly cause my account to be turned over to collections and was told no because I was not responsible for the balance. I did not notice any more bills effective XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from IC Systems, a debt collection agency regarding a bill with XXXX XXXX XXXX XXXX. Per the debt collector, the account was submitted to them on XX/XX/XXXX. I called the billing department today and the automated system stated that the wait time was in excess of 50 minutes ; however, at the 30 minute hold time the call is automatically disconnected- this happened twice. I have attempted to reach their corporate office to no avail. My employer requires me to not have any derogatory items on my credit and this false report to the debt collection agency had placed my employment in jeopardy.
Product: Credit reporting or other personal consumer reports

XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX ) balance
Product: Credit card or prepaid card

After researching the offerings of all of my credit cards, I found that Capital One is the only one of my creditors that offers a 0 % Foreign Transaction Fee. As such, I needed to request a credit line increase as I will be traveling to a foreign country and will potentially need more funds than I have available, which is {$5000.00} USD. After calling Capital One and learning this process needs to be completed by me and not one of their representatives, which is customary, I learned they require a " soft pull '' of my credit report. At the time, and to date, I have a nearly 800 credit score with a perfect 13 year payment history with Capital One. I come to find in the mail, about a week later, that my request was denied for several reasons. ( 1 ) The account has not had enough recent payments to establish a recent payment history and ( 2 ) recent use of this account 's existing credit line has been too low. What these declination reasons tell me is that my spending habits don't require the use of credit and that I can afford my lifestyle. Shocking! An American who is NOT dependent on credit. To refuse a credit line increase to a customer, like myself, with a 13 year history of perfect payments, of which included a credit report, is an " unfair business practice '' ... and quite ridiculous! If, in fact, this business decision was made, as Capital One would have you believe, based in part on my credit report, then the credit line increase should have been granted. I would have even been satisfied if perhaps a lesser requested dollar amount was approved. However, to flat out deny me access to credit when I've spent 13 years proving my credit worthiness is an " unfair business practice '' that will NOT go unreported. Furthermore, the inability to appeal this decision is again, " an unfair business practice '', and requires CFPB intervention. I've spoken to several customer service associates regarding my credit limit declination and lack of appeals process on XX/XX/19 at XXXX PST ( pull the recorded call ), which included a very combative supervisor, who literally said " nothing can be done for you ''. I'm horrified that excellent customers like myself are being turned away with absolutely no recourse to appeal a blatantly biased and improperly substantiated business decision.
Product: Credit reporting or other personal consumer reports

I contacted ( XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received a {$200.00} American Express gift card as a referral bonus from my son 's college housing apartment complex. 

The valid through date was XX/XX/year>, but the online information from American Express says that it can be replaced if expired : https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called on XX/XX/year> to replace the card and was told by two different agents that it can't be replaced and that it expires. I was very frustrated by this, but I decided to make a purchase that day just to use the funds rather than try to get a new one. 

I attempted purchases at XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, as well as attempting purchases through XXXX XXXX  ( which have worked for me with this type of card in the past ). All were declined. I called their customer service line multiple times and was told every time that there wasn't an issue with this card and to try it at a different retailer, but it does expire with no replacement. I finally gave up. 

Not only was I misled about the card not expiring, but the card didn't work during the time it was supposed to work. I'm out {$200.00} and lots of wasted time due to the misleading information on the website since they do not give replacements like they say on the website.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Student loan

In early XXXX my family and I arrived in the US due to a medical emergency. My daughter got accepted to XXXX XXXX University but I did not have any money and was unemployed. Notwithstanding my financial situation, I was told by the finance office that I would be approved for a parent-student loan to cover what shortfall my daughter had for her tuition. Long story short, I am in for over {$130000.00}. I eventually found employment in XXXX and worked for XXXX XXXX for 5 1/2 years. I applied for PSLF but was denied because I was not able to pay the required minimum payments. Because of XXXX XXXX  in my job, I decided to retire in XXXX and have not been making payments in part also due to the hold issued by the government during the pandemic. My issue is that why did they approve me for a parent-student loan knowing that I had no money and was unemployed. Had I known that I would rack up this much debt, I would have either sent my daughter back to the XXXX or forced her to look for another school. I have no means to pay and I have already cashed in my 401K just to survive. What can I do about this? Thank you.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts repotting that I do not recognize.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Deletion of Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report. I have previously disputed the account : XXXX XXXX XXXX Account NumberXXXX XXXX, and on both occasions, the account has been verified as accurate. I am requesting a detailed method of verification for the information provided. 

Specifically, I would like to know the following : The name ( s ) of the person ( s ) or entity/entities the credit bureau spoke with during the verification process. 
The phone number ( s ), email address ( es ), and physical address ( es ) of the person ( s ) or entity/entities contacted. 
Moreover, I have identified discrepancies in how this account is reported across different credit bureaus. For instance, the account is listed as open with XXXX and closed with XXXX. This inconsistency indicates that there may be inaccuracies in the information being reported. 

Due to these discrepancies and the lack of consistent and verifiable information, I am requesting that this account be removed from my credit report. The inaccuracies are not only confusing but also potentially damaging to my creditworthiness. 

Please conduct a thorough investigation and provide me with a method of verification as outlined above. I expect a prompt response and resolution to this matter, as it is my right under the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things.

-Account numbers listed in evidence document attatched 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was compromised earlier this year and did not release any information regarding this " hack '' to myself or through any mediums accessible by myself. They have contacted me several times in the past, showing they have both my phone number and current email address, however no notification was received. 

After the first false claim on my credit report, I started using XXXX XXXX Identity Protection, however this has not seemed to stop any of the repeated claims on my credit report, most attributed to property, rentals, and two credit cards being issued in my name.
Product: Mortgage

I have applied for a hardship with my mortgage company XXXX different times and they keep denying me and trying to foreclose on me when I have a USDA loan they're not giving me any options on what I can do to stay in my home we need help and do not know what to do
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate 4. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
High Balance : Inaccurate Last Verified : Inaccurate Close Date : Inaccurate 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Close Date : Inaccurate 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Equifax account. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT MINE, I WAS ONLY authorized user while working for company. PAYMENT WAS NOT MINE FURTHERMORE IF IT WAS MINE IT WOULD HAVE BEEN INCLUDED IN MY BANKRUPTCY
Product: Money transfer, virtual currency, or money service

I paid that bill online through AppFolio using my XXXX XXXX XXXX  checking account XXXX which is currently open and has been for 15+ years. I have no other banking instituition. 

I made the payment to XXXX XXXX XXXX for my water bill in the amount of {$16.00} on XX/XX/XXXX. I received a notice from the apartment office stating payment was returned because " account closed ''. I was charged a {$35.00} fee for non-sufficient funds. 

My checking account has never been closed ; I also confirmed with XXXXXXXX XXXX. 

I lived in an apartment complex in XXXX NC in XXXX which also managed their payment through AppFolio... that account is non-active. 
When I go to Appfolio to log in, it still shows I have two accounts available XXXX XXXX XXXXXXXX  ( old ) and XXXX XXXX ( current ) I'm wondering if {$16.00} payment was processed incorrectly and applied to the closed AppFolio account? 

I have emailed Appfolio numerous times with no repsonse.
Product: Money transfer, virtual currency, or money service

I would like {$1600.00} return back to me.
Product: Vehicle loan or lease

On XXXX XXXX I was involved in an accident with my XXXX XXXX that caused it to be totaled. At the end of XXXX my Insurance told me to request Payment History from Hyundai so I can provide it to GAP. XXXX was my First-time requesting Hyundai to send me my Payment History on my totaled XXXX  XXXX XXXX. XXXX told me that they were going to email me the requested documentation. This is the first occurrence of me never receiving the information. I gave until the end of XXXX in case there was a delay which I then had to call Hyundai again to put in a second request. I spoke directly to customer service and asked them to send the requested Payment History to by my email and my Sons email since we are both on the account. I was informed that they would email it to both of us as well as mail it out directly. Again, I never received either format they said they would send it in. Unfortunately, I did not have another opportunity to request the documentation again until XXXX due to being sick. I was at last able to receive an email from Hyundai on XX/XX/XXXX but could not open the attachment provided on it. After XXXX attempts of trying to open the attachment, I had to call Hyundai again on XX/XX/XXXX to put in the request again. They proceeded to tell me that it was a back-office problem and they would email the request again for me. I was also reminded that everyone is working from home and that I should be patient. As I understand and was being very patient, I asked them again to please send it since I could not open the original. I, once again, never received the requested History. On XXXX, Hyundai put my car on an unpaid debt status even though they knew I was trying to get documentation from them in order to provide it to GAP so it can be paid off. I never heard back from them after the negative status change. Sadly, I had to request the documentation several more times after this occurrence but never received it. At the end of XXXX, I called Hyundai again to inform them that I am going to get a lawyer involved if they do not send me the requested Payment History. It was at this time I was finally able to receive the paperwork one week later. It is now sent to GAP and is in the process of being fixed. The problem I am running into right now is that this entire process and disregard from Hyundai has caused my and my sons credit to drop more then 50 points causing us to be below XXXX credit score. I have been trying to move and rent a house for a month and a half now but keep running into the same issue. Credit. I need to have this removed from my and my sons credit so we can return to our original credit score before this dreadful situation occurred with Hyundai and so we can finally move as weve been needing to. I appreciate you taking the time to read my complaint and assistance on this matter. 
Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is my 2nd attempt at reaching out to JEFFERSON CAPITAL SY about a fraudulent debt that they are incorrectly reporting on my credit. This incorrect reporting of this unknown collection is having a negative effect on my credit and preventing me from being a credit-worthy consumer. JEFFERSON CAPITAL SY is saying that I owe a debt, however, even after I have reached out to them, they still have not properly and correctly VALIDATED this incorrect debt that they are reporting on my credit. 
I am requesting that JEFFERSON CAPITAL SY provide me with the following information : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service