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

My account with XXXXXXXX XXXX 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 reported in XXXX AND XXXX 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. 

XXXXXXXX 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: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing considerable stress and anxiety. It is important to emphasize that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries file on my credit reports have sent letters in that the inquires are incorrect and now filing a complaint XXXX it is affecting my credit and the ability for further future endeavors.
Product: Debt collection

Phoenix financial is in violation of multiple FDCPA violations and is reporting inaccurate information on my consumer credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX acct:XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount Child support enforcement acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type Child Support Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 of 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by XXXX Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with Equifax. Also, when I called on Monday of this week XX/XX/XXXX, I informed the XXXX Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by XXXX who submitted another False Negative Update to my Equifax Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic XXXX  and an economic suppression tactic exuded by XXXX Bank. My account has been paid and XXXX also verified the Settlement amount with XXXX, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
Product: Checking or savings account

I am a Truist bank customer. I have XXXX set up on my checking account to pay a credit card balance to an outside bank XXXX XXXX XXXX XXXX. In XX/XX/2022 I revised the auto payment from $ XXXX to $ XXXX to make sure the minimum payment was being paid. For the month of XXXX no payment to XXXX XXXX was issued - not {$250.00} or {$450.00}. I was charged a {$40.00} late fee by XXXX XXXX for a late payment in XXXX that I had to issue directly. I was told by a Truist customer service agent that they are making system upgrades and there might have been an error and that is why the payment was not issued. I also heard from another customer service agent that when auto payments are revised they can take a month to take. Either way, the bill pay service that I relied on from my bank, which shows the auto payment for this account as " ON '' did not work as promised causing a late for me and a negative mark on my credit which I am desperately trying to improve and manage.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

My girlfriend applied for an Apple Card early on in XXXX. I was initially added on as an Authorized User, and soon after lost access of the ability to add the card to my mobile wallet because the app kept saying " Unexpected Error '' when trying to add it. I filed a couple of tickets in regards to this issue over the next month, and just gave up because I could not come to a resolution. 

Fast forward to XXXX, and I got approved for an Apple Card of my own. Apple Card lets you invite someone you're sharing their family plan with as a " Co-Owner '' to your credit line. My girlfriend accepted my invite, and our accounts were seemingly merged together. Her credit line increased by the amount that I was approved for, and my status updated as Co-Owner ... however, my device showed a notification from XXXX XXXXXXXX saying that my Apple Card was closed and to re-add the new account in the main menu. I tried, only to be met with that oh so familiar " Unexpected Error '' messages yet again. I've hopped both my girlfriend and I 's XXXX XXXXXXXX accounts between various XXXX XXXX, XXXX XXXXXXXX  and XXXX, and it is 1000 % either an issue with my social reporting to Goldman Sachs, or my XXXX XXXX. Neither XXXX or Goldman Sachs can do much besides file tickets and refer me back to square 1 with the opposite party.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. I do not have accounts with these inquiries that are on my credit report please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony /XXXX  XXXX I have contacted XXXX many times and there refuse to stop reporting on this account after it was sold A clear violation of reporting They state You are reporting every month after it was sold I faxed to day XXXX  XXXX copies of your documents asking to remove this account from XXXX . Please Remove this account respond through the CFPB you will or refuse so I can proceed with what action I will need to take. enclosed are your documents and a copy of XXXX credit report 10 days from the date CFPB sends to you to respond is fair
Product: Debt collection

I sent Bull City Financial Solution notice to 1. verify the alleged debt under 15 USC 1692g 5b and 2. provide the written document where this consumer gave them permissible purpose under 1681b 2. Since I was never given the documents I requested and I know Bull City has been committing fraud, I want this alleged debt to be removed immediately. I do not know this company and they are reporting false information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
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 card

I received a notice on XX/XX/year> dated XX/XX/year> from Capital One stating my account was being closed due to activity that is inconsistent with typical customer account usage. I called XXXX and spoke with XXXX, who advised my account was closed for a returned payment. No dates for these returned payments were given, and the amount of returned payments was not provided.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX  After reviewing my credit reports, XXXX notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Checking or savings account

Dear Mr. / Ms , the object of my complaint is the fraud department and customer service department of Citibank. After I opened my company account at the XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ca,XXXX, citiXXXX XXXX XXXXn XXXX, my account was frozen. 
After the certificate I provided and their review, it was confirmed that there was nothing wrong with my account and they agreed to unlock my account. 
But to this day, I still can't withdraw money from my account. 
They always have a lot of reasons to tease me. The customer service department asked me to go to the branch to withdraw money, but when I got to the branch, they asked me to call the customer service staff. 
Their two departments, including the branches, have been passing the buck back and forth and refused to give me back my money. 
I have to talk to them on the phone for two hours every day. 
I ask you to help me with this problem. Please, I need this money to live. 
Thank you very much.
Product: Payday loan, title loan, or personal loan

Using XXXX XXXX it stated that I had " outstanding approval '' for a personal loan. I used the link and applied to XXXX XXXX for a {$2500.00} on XXXX XXXX, 2022 and was approved. I even got an email with a " Get my money '' link. There was nothing about it being a secured loan. It asked me for pictures of my car 's odometer as well as pictures of the front and back of my car and my car title. I did all that not realizing why they were asking for it. I also entered personal information and income. 

The next day, XXXX XXXX, 2022 a representative from XXXX XXXX called asking about my income. She asked me if my only income was XXXX and when I said yes, she rescinded the loan offer. She didn't say it was because the amount I get from XXXX, but because it was my only income. 

I responded to their loan approval email accusing them of discrimination. That evening the same representative that I talked to the day before called and that they were making an exception for me and approving the loan after all. That told me then that I was right, they got caught discriminating against me and where trying to fix it. It was then that the representative told me that it was going to be a secured loan with my car title as collateral. It's a {$2500.00} loan and my car is worth around {$6500.00}. Ite APR was to be 35 % which is higher than a credit card. 

I received another email with instructions on sending them my car title and signing the loan. I didn't go through with the loan as I feel I was discriminated against because I'm on XXXX and their tactics seemed shady.
Product: Debt collection

This is to express my extreme dissatisfaction and utter disbelief at the ongoing incompetence demonstrated by your agency in handling my credit report. The persistent existence of fraudulent accounts under your watch is not only intolerable but calls into question the very competence of your organization. 
XXXX XXXXXXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!! 
This marks the umpteenth time I am disputing the presence of fraudulent accounts on my credit report. It is beyond comprehension that your bureau, entrusted with the responsibility of maintaining accurate credit information, has allowed these fraudulent accounts to continuously tarnish my credit history. 
I am left to wonder about the quality of work being done at your agency, as it is abundantly clear that the basic task of ensuring the accuracy of the information you report has been woefully neglected. Cease your ongoing failure and promptly remove the fraudulent accounts. I expect this correction to be made without any further delays. 
The presence of these fraudulent accounts on my credit report not only damages my creditworthiness but also erodes any trust I may have had in your agency 's ability to perform its fundamental duties. This is an egregious failure that requires urgent and decisive action.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # XXXXhas violated my rights.

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
Product: Money transfer, virtual currency, or money service

Last fall I opened a Venmo account because some customers prefer using it to pay for my services. Aside from a couple small payments totaling {$570.00} last fall its been dormant. Two weeks ago I received a payment for {$1300.00}, and a week ago another {$1300.00} was received. 

The Venmo app wouldn't allow me to log in from my cell phone. I've restarted the phone several times and reinstalled the Venmo app half a dozen times. I always get a " OAuth2 Exception '' message. 

So I tried logging into the Venmo site using my laptop, which works 50 % of the time. When I can get in I see the four deposits totaling {$3200.00}. I can use the " Transfer balance '' button. I can manually input my routing and account numbers. But after pressing " Save and continue '' I get a message saying "! Something went wrong. Try again. '' I've tried dozens of times. 

I've made numerous phone calls to Venmo at XXXX, but not once have I been able to locate a human being. And the XXXX XXXX is no help at all. 

I've tried sending from my Venmo account to another Venmo account, but it won't allow me to without changing settings in the app. Except I can't access Venmo via the app. 

So, in short, the app doesn't work, transfers don't work, payments don't work, emails don't work, the XXXX XXXX doesn't work, and I have no evidence human beings work there. However, they do work at the sister company XXXX, where I wasted XXXX minutes moving up the supervisor ladder in search for an answer. 

Hopefully, Venmo will respond to you.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXXXXXX To : Consumer Financial Protection Bureau Wednesday, XXXX XXXX, XX/XX/XXXX RE : NationStar Mortgage XXXX XXXX XXXX XXXX TX XXXX Lender / payment To Whom It May Concern : Mortgage Account Number : XXXX I wish to raise an official complaint in respect of NationStar 's treatment of my mortgage account on the basis that I do not believe that I have been treated fairly. 
My understanding of the basis of this mortgage was that the rate would only ever vary when the base rate changed and when there is a need explaining always on phone it is about escrow and if I need to complaint go to my california representatives. In XX/XX/XXXX NationStar buys or takeover my mortgage from XXXX and a month later they increased my monthly payment from XXXX to XXXX. This problem referred from the long silence they have when I try to communicate with them. They now seem to be telling me that they are able to adjust the tracker rate margin to XX/XX/XXXX. Had I known about this I would have chosen another mortgage product/lender since XXXX promised me something. 
I have been misled by both XXXX and NationStarXXXX and every customer service representative I have contact with and do not believe they have held over me some Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have also been advised of case law which supports the requirement for important conditions to be made clear and obvious in contracts. That was definitely not the case in the NationStar mortgage documentation which they have sent me none. How many times I requested to a document to explain it to me? The replay always has been they DO NOT ANY RECORD. 
I have no copies to these changes except those computer printouts and then notices that they have been escalating my complaint to you. I understand that I am one of many thousands of affected customers and I will do all that I can to encourage as many as possible to fight NationStar on this issue should they continue to be unreasonable. 
I await your response. 
Your faithfully XXXX
Product: Debt collection

A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX