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

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with 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 my 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 to be updated.

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 TRANSUNION 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 have reached out to both the original creditor and the collection company about the debt. I had cancelled gym membership with XXXX XXXX in 2018, last year they came looking for {$96.00}. I told them i didnt owe the money. now that its in collections nobody will respond to my validation letters.
Product: Credit card or prepaid card

Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Product: Credit card or prepaid card

I have a Paypal on line account for playing games and it goes to my banking acc when I win money playing games. Last week I applied for a prepaid Paypal card it was cheaper then my XXXX XXXX acc. ( The fees to use it ). Today I recieved the prepaid card and also a letter from Synchrony Paypal saying they denied me for a credit card. I have never applied for that card. I spent 2 hours on the phone trying to get it resolved after talking to the 12th person they said it could take up to 30 days to get it removed. I haven't registered the prepaid card do to the other letter. I haven't ever tried to get a credit card from this company do to my medical  bills giving me bad credit when the hospital billed me when I was low income they wrote them off and I'm still trying to get them off my report. I know I can't get a card so I don't apply for them. Please take this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had issues with logging into their app since I received my loan. I notified them of the issue and screenshots. I was unable to make payment because app would never fully load. I finally figured my only option was to delete and reinstall. Once I did that, I was able to log in and pay however, they still reported me past due. They were made aware of the issues and I sent them pictures of what the app was doing. They alleged they would look into the reporting. They came back and confirmed and error but refused to update my credit bureau report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing issue of inaccurate late open accounts on my credit report. Despite multiple attempts to rectify these inaccuracies, the issues persist. This letter marks my fifth attempt to resolve this matter, and I am seeking immediate and effective action. Despite providing all necessary documentation and evidence to support my claim, these inaccuracies remain on my credit report, adversely affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. Please help me correct the late open accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days and 60 days late payment on the dates XXXX XXXX 30 days, XXXX  XXXX 30 days, XXXX XXXX 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

I contacted you several months ago concerning a balance on a citi card. IUI I heard from XXXX almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to XXXX and now I still have a bad credit rating and am unable to get a Sears credit card for XXXX shopping. 
Can you please see that she follows through and that my previous good credit is restored. 
the case # XXXX the citi advantage card ended XXXX thanking you in advance for helping me in this regard. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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: Debt collection

The debt collector contacted me by mail on XX/XX/2022, and claimedI am responsible for a debt in regards to an apartment lease. The letter provided on this date claimed I owe a debt of {$2600.00}. I responded to this letter disputing the debt and requesting additional information as required by law. 
In response to my letter, I received additional correspondence on XX/XX/2022, restating the alleged debt amount of {$2600.00} and listing the original creditors information. This letter also mentioned a 2 % interest fee that is not outlined or agreed to in any of my contracts, or agreements. 
On XX/XX/2022, the apartment complex sent a final account balance to me via email. This invoice reflected a total outstanding balance of {$2600.00} which included an Early Termination fee of {$1700.00}. After much back and forth via email and phone, apartment complex representatives finally conceded that we should not have been charged for both the cancellation fee and the rent responsible fee. At that time the rent responsible fee was removed from the final account balance. 
On XX/XX/2022, an apartment complex representative sent a final account balance via email which reflected a total outstanding balance of {$1900.00}. This statement included an Early Termination fee of {$1700.00} and allowed for 30 days to pay any outstanding balances. Neither final account balance provided reflects the correct amount of the cancellation fee based off the Notice of Intent to Vacate signed by all parties on XX/XX/2022. 
A letter stating the above was mailed to the debt collector in XX/XX/2022. Included in this correspondence was supporting documents. On XXXX XXXX the debt collector sent another letter by mail stating that their duty to provide verification has been fulfilled and that they would not respond to any additional requests. To this day, they have not sent the correct total owed but continue to charge me interest. On XX/XX/XXXX, my husband contacted the debt collector by phone and was told the debt amount is valid. While on the phone, I logged into the apartment complex portal and am able to pay the lower amount directly without interest. Im confused why a debt collector is refusing to acknowledge that their amount is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Community bank, so the account to XXXX  and it was dismissed in court as of XX/XX/2020. The XXXX case was dismissed for fraudulent activity ( 2 ) bill of sales. And now Comenity Bank is reporting to the bureaus. I have emailed and even wrote twice to have this incorrect report on my credit report to be removed and yet, I have got no response. I have written Community Bank as well as all three creditor bureaus at which I also included and sent the court document each time and yet its still being reported on my credit report. 
Community Bank have an arbitration agreement and they went and sold the account without letting me know or consenting with me and thats a violation. And since 2020 that it has been dismissed in court they are now committee bank that is reporting it like I said once again to the credit bureaus, Id like this removed off my credit report. Thank You.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where experience has neither corrected nor removed dispute items despited items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction and carelessness violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I signed up for the SoFi credit card on XX/XX/XXXX with the sign up bonus of XXXX rewards points ( {$100.00} ) which would be added to my rewards balance 45 days after my first purchase. I made my first purchase on XX/XX/XXXX and have not received the points. I have called several times and had tickets filed by representatives but there is no follow-up and no resolution as of today.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXX ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

I called and made a payment arrangement, and I made the first payment and I asked for proof of the payment arrangement so I can provide this to the NJ banking and insurance, and I was told they don't give out any documentation stating I'm in a payment arrangement. 
I've emailed and I've called and left request for a call back from the XXXX. No one got back to me, and no one is responding to my emails. 

I have another payment coming up and I feel like this is fraudulent behavior. The banking and insurance representative is stating I must provide proof not just that I made a payment and it's deducted from my account I also called the creditor ( XXXX ) and they stated they should comply with my response and not just take my payment. I did not even ask for a settlement. 

Please see my plead for assistance
Product: Checking or savings account

This company seems to have a deep interest in me online and is scanning my online profile. I believe he is attempting to take my personal business and product.
Product: Mortgage

In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXXXXXX Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/2018XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.
Product: Debt collection

Synchrony Qvc retail account changed the date of payment due date without informing me. I made payments by the date the bill had been paid for the past few years then found out the I was not paying enough as late fees were being assessed.
Product: Debt collection

I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Credit card or prepaid card

The Credit Card ( DISCOVER ) is attempting to charge me for a transaction that was applied to a deactivated card account. 

In XXXX of XXXX, I paid off the credit card in full. This transaction is dated XXXX for the amount of {$10000.00} ( I have the invoice ). At this time, I ordered the card to be deactivated but, did no close the account. 

On XXXX, Discover approved payment for an automated annual fee to XXXX ( A social media company ) for {$300.00} to the deactivated card without notifying me prior to processing the payment. I DID NOT REQUEST CREDIT FOR THIS TRANSACTION. 

On XXXX, XXXX contacted Discover to dispute the charge and was told that the transaction was treated as if it were for an Emergency Utility Payment. Discover then suggested that I reach out to XXXX for reversal. I then permanently closed my Discover Credit Account. 

I visited XXXX and reviewed my auto-renewal and found that XXXX identified clearly that my Discover Card of record had expired in XXXX ( I have a screenshot ). I closed the account. 

On XXXX I again contacted Discover and challenged the charge. Discover then instructed me that they would contact XXXX and request reversal ( I did not solicite them to do this ). 

I have since received notification of legal actions against me. I then formally filed the attached document with them. They've rejected my request. 

For reference the card number ( account now closed ) ended in XXXX. 
Discover has submitted a case number which is XXXX Discover has entered in this issue with the credit bureau and this has negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.
Product: Debt collection

Prior to the collection agency purchasing my debt to XXXX XXXX XXXX paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX with XXXX.