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

My account with XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  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 in months that are reported late 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, XXXX XXXX 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: Student loan

Since XX/XX/XXXX, Navient Corporation has stopped sending monthly billing statements for three ( 3 ) student loans that my step-son received in XXXX. There are three ( 3 ) loans involved - I am the Co-signer of one ( 1 ) of the loans, and my wife is the Co-signer of the other two ( 2 ). 

We had been receiving billing statements up until XX/XX/XXXX. When we did not receive a billing statement the following month ( XXXX ), we called them on XX/XX/XXXX. The customer service reps ( XXXX XXXX XXXX ) we talked to said the company is not allowed to send billing statements now because of a " pending law suit ''. However, they would be able to take a payment over the phone - which we did by EBT. 

Each of the following months - XXXX, XXXX, & XXXX we failed to receive a monthly billing statement and again called the company ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Each time we were able to talk with the same person ( XXXX ) and given the same answer as in XXXX. We also made a payment on each of the accounts by EBT for each of those months. 

We did not receive a billing statement again in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we called again requesting a status of the account and a billing statement. This time we talked with a person by the name of 'XXXX ' who told us the same story as in previous months that they aren't sending billing statements. We also asked what the current interest rates were on the loans ; the current Unpaid Principal ; and Unpaid Interest & Fees. 'XXXX  ' said that information wasn't available. 

The bottom line is that the loan servicing company ( Navient ) is failing to provide billing statements - either automatically or when requested to either the borrower ( my step-son ) or the Co-signers ( myself and my wife ).
Product: Debt collection

Discreditor had sent me a bill near the end of XXXX for {$89.00} for medical bill I have sent them a verification letter and have not received anything within the 5 days and it's going on almost 30 days as I've sent them a verification letter certified and I still haven't received anything about this bill
Product: Money transfer, virtual currency, or money service

I received a SBA loan for my XXXX. JP Morgan Chase bank is holding my funds because they stating that the funds was deposited into my personal account. I was told that is that is not legal and I would have to obtain a letter form a lawyer or cpa stating my business is legit. I provided them all the documents I submitted to SBA as well as my contract from SBA They told me this is not sufficient. I contacted SBA that told me that this is not illegal. I went into a branch talk to a banker and explain to them what SBA expressed to me but they stated its nothing they can do. They are now in the process of closing my and the funds will just stay there until whenever. My daughter 's high school account is restricted too. They will not allow her to get her neither. I need to pay my employee and not able to. I feel this is part of Systematic Racism and they are giving minorities a hard time. I have been a customer of Chase bank since XXXX. 

Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 attempts since XX/XX/2022, This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should not be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off my credit report.
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and American Honda Finance, XXXX XXXX XXXX, and XXXX XXXX. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX, was checking my credit report when I saw that there was an account opened under my name but I never applied for this company to get any line of credit. Therefore, Im requesting actual proof that I opened this account and where was this account opened because I have lived overseas for the past two years. I received an email saying that all my information was verified but how does this company know it was me and not someone else acting like they were me. Additionally, I would like Credit Fresh to cease and desist all contact methods and that you remove this wrong information because its affecting my credit score. Thank you for reading this matter and hope we can fix this issue soon. Your company is a fraud and Im telling you that I didnt apply for this loan.

Some of the laws you may be subject to are as follows : 18 U.S.C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITIZENS PAY XXXX  XXXX XXXX
Product: Debt collection

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Citibank Na., Best B Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is suppressing my credit card data from XXXX XXXX XXXX XXXX XXXX visa card. i had XXXX reach out over a month ago to find out what is happening. XXXX told me that transunion was suppressing the data that XXXX visa submits to them. XXXX told me they woud find out why from transunion. i asked XXXX again today if they heard anything and to try again. i dont know if anything is being resolved. i cant resolve this directly through transunion website because it is not giving me that option to dispute anything. it says click on ( new investigation ) tab but it is not showing on the website. hard to request investigation without the website allowing it, so i am going through this route. transunion should be reporting my visa card. not reporting it is harming my credit. it has 12 years of on time payment history. why are they supressing it. please do not suppress it
Product: Credit reporting, credit repair services, or other personal consumer reports

Target credit card was set up with automatic payments. All checking account info was loaded in database. XXXX payment was not processed and Target did not reach out until 31 days late. It was a {$30.00} dollar payment. Entire balance was paid immediately, I explained the auto pay was set up. I asked if it could be confirmed and was told the information was in fact loaded onto the database but I still could not enroll in auto pay. Target then reduced my available credit while not reporting my payment further torpedoing my credit score. Ive reached out to target 5 times and sent two general inquiry emails. The response is the reporting is accurate, but they dont take any blame for their own system failures. I was set to buy a house that I now do not qualify for because of a {$30.00} dollar payment. Realistically this would never happen. I have just closed my target account and I would like this 30 day late mark removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed negative items over 45 days ago and the items have yet to be verified. These account are inaccurate and reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX violated my rights, by reporting false information on my report, that result in multiple ( 2 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Debt collection

I've contacted XXXX XXXX numerous times before they sold this account to portfolio recovery. I also disputed through portfolio recovery and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my status as a victim of a recent data breach. This request is in accordance with my legal rights under the Fair Credit Reporting Act.

Please find the accounts affected by the breach that I request to be blocked and deleted from my credit report : XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} Additionally, I request the removal of the following inquiry from my credit report : XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a loan with XXXX XXXX, XXXX XXXX XXXX  XXXX. The payments are $ XXXX  monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX  account was left open with sufficient funds for over 90 days to allow my original XXXX  to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX  and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting Experian 's faslefied response to the CFPB when they clearly are in violation of my rights under The Fairs Credit ACT 605b. Furthermore, in your response sent to email on XX/XX/2022, you stated the following reason for denial of blocking ; It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information You also stated the following A valid identity theft report is an official report specifically complain about identity theft that has been filed with an appropriate federal, state or local law enforcement agency, including the Federal Trade Commission. 

By you acknowledging that you received the official Federal Trade Commission Report to the Consumer Financial Protection Bureau on XX/XX/2022 and sending a letter stating you have NOT received a valid Identity Theft Report on XX/XX/2022 means that you have violated my rights under the Fairs Credit Act. I have attached copies of the CFPB response and a copy of the letter received from Experian on XX/XX/2022. I have sent a copy of this information to the Florida Attorney Generals Office as well as reported you to the Federal Trade Commission.
Product: Credit card or prepaid card

I received a bill for {$40.00} due XX/XX/XXXX. The payment was made by my bank ( via autopay ) on XX/XX/XXXX. The payment has not been posted to my credit card account and {$51.00} ( {$40.00} + past due amount {$11.00} ) is showing for next payment due on XX/XX/XXXX. This company is not set up to receive phone payments or online payments. You are directed to make payments via bill payment with your bank. It seems this puts the consumer at a disadvantaged for this bank to benefit from late fees charged on untimely posting of a consumer payment. It's impossible to reach them by phone. You are directed on their website to contact them via mail. Please investigate their practices concerning fees and posting of payment. Thanks for your help in this important. I do not want this incident to adversely affect my credit with the bureau. Especially, in the midst of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, XXXX, TransUnion and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so.

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High. 

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My XXXX XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my XXXX. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Product: Mortgage

Apparently US Bank issued an escrow refund check on XXXX XXXX to an old address which I have not lived in since XXXX XXXX. I have been receiving and paying all mortgage bills from my current address since this company took over the mortgage. 

I never received the {$2000.00} refund and now they want to charge me an additional {$15.00} for them to send a new check to the correct address, the address I have been at for over a year. Also they have never noted anywhere on any bill or statement about the fact that I had a credit of {$2000.00}. 

Whenever I call I get stuck on hold for over an hour, and all they do is give me the run around. They have earned interest on this money, yet want to charge me more to re-issue this check. 

My mortgage Account number is XXXX.