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

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX 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

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Vehicle loan or lease

On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if  FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX  who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request.  This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB.  I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Early Warning Services since XX/XX/2021, they furnish information about me that is inaccurate and unfair and violates 15 USC 1681. They have re-investigated and claim that they have validated the debt but they have failed to send me proof of the re-investigation procedures and according to 15 USC 1692, they do not even have the power to validate a debt. I have suffered from the information they hold against me and can't open bank accounts and the one account I was able to open was frozen along with money that I deposited into the account. They also have violated 15 USC 1692 ( k ) and owe {$1000.00} per violation. They have violated 15 USC 1601 ( I ) because they committed fraud, they furnish a deceptive form to create a false belief about me. They also didn't complete the first investigation I did in XX/XX/2021 in a timely manner of 30 days and refused to delete the false, inaccurate, and unfair information they furnish from their system. They had a manager contact me and apologize for them not doing their job but never fixed the problem. They don't send any of the proofs that constitute validation of a debt according to 15 USC 1692 and therefore I want them to delete the information they furnish and compensate me for the obvious disregard to United States federal law.
Product: Credit reporting or other personal consumer reports

I was XXXX  for 7 years and this company says I had a credit card. This is false information. I have shown them my XXXX XXXX papers as well. They still pursue me to pay them.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/19 I went to see a financial counselor to assist me with a fraudulent account that was reporting on my credit report. We were able to contact Security Credit Services which is the debt collector with the account. The representative gave us the steps to take to resolve this issue : 1. File a police report 2. Complete an Affidavit for forgery and have it notarize 3. Mail out copy of ID 4. Mail to XXXX, all which I did on XX/XX/19. The representative said that I should hear back from Security Credit Services in about a week. I had not heard back so on XX/XX/19 I called back and spoke with a representative, after confirming the account number and reviewing the documents we emailed the representative confirmed that the account was closed due to fraud. She went on to email me a letter stating " Our records indicate that the account referenced above has been closed due to fraud. A request has been submitted to have this account deleted from XXXX, XXXX and XXXX. The update may take up to 30 ( thirty ) days. '' I went on to contact all three credit bureaus to confirm that the account had been removed from my credit report and until this day only XXXX  has removed the account. I went on to dispute this and have yet to get the account off my XXXX   and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX sent letters. did not take action
Product: Mortgage

my Mother passed away suddenly. In the process of dealing with her financial affairs we discovered a redo of a mortgage with Quicken/Rocket mortgage. 
I have spent over 10 hours trying to reach a representative. 
The terms of the loan are absurd as well as the fees associated the loan. 
I find it troubling they would grant a XXXX year old a 30 year mortgage. 
it is impossible to talk to them and when I stated I would fly to XXXX finally someone called me back. I pleaded with her for a fee reduction and she stated not policy. 
We have given them way too much personal info IE : 2 death certificates first one they lost Each one cost XXXX USD. My family is not rich and these practices are deceitful. 
.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an XXXX, Equifax and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX, has 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: Credit card

I purchased multiple items with my card.One of them was a sliced ham which looked like ground meat after I opened the package.All the slices stuck together and I could not separate them.They refused to file a dispute with the merchant.The do not honor the purchase protection which has been built into the card.
Product: Debt collection

I have no idea what type of debt this is. No idea where is coming from.
Product: Debt collection

I had sought medical treatment through a company called XXXX XXXX. I then received an XXXX through XXXX XXXX which I have paid for in full. I then received charges from a company called XXXX XXXX XXXX XXXX that apparently owns the building and they mentioned that I have to pay them facility fees as well as other fees. I had never heard of that company nor did I seek medical treatment them.
Product: Credit reporting or other personal consumer reports

Data breach I have all type of weird stuff happening to my report because of the data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not fix the inquiry errors on my credit report, instead they accused me of being a credit company.
Product: Money transfer, virtual currency, or money service

This transaction happend XX/XX/XXXX The chase bank made this to XXXX XXXXfor the amount of XXXX for a purchase tracking no. ( MTCN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX the merchandise ordered was not recieved?? so I made a cliam XXXX XXXX  claim # XXXX and then I called Chase bank to make a claim for the XXXX in???? they closed my account. XXXX XXXX also refused refunding my XXXX dollars I just emailed on XX/XX/XXXX and am now complaining to myoure agency as I have now been out of money I am XXXX and XXXX please help me asap if you can XXXX XXXX XXXX I have been referred by XXXX XXXX XXXX help on XX/XX/XXXX
Product: Credit card

I set up autopay in XXXX, but the autopay failed to execute. This resulted in multiple erroneous charges. This is the timeline : XX/XX/XXXX : A statement was generated with a balance of {$3800.00}, due on XX/XX/XXXX. 
XX/XX/XXXX : Autopay failed to execute. 
XX/XX/XXXX : A late fee was charged. 
XX/XX/XXXX : I immediately made a payment manually. This brought down the statement balance to XXXX. 
XXXX : An interest was charged. 
XXXX : A statement was generated with a balance of {$3500.00}, due on XX/XX/XXXX. 
XX/XX/XXXX : A payment was paid in full. 
XXXX : An interest was charged again, despite the ontime payment in full.
Product: Mortgage

chase said they try to apply that amount to XXXX billing.. but i would like them to stop their practice of applying my monthly payments to principal when ever it suits them ...
Product: Credit reporting or other personal consumer reports

why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/XXXX 

per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C.

15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. 

XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party.

15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. 

XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Product: Credit card

I have a new capital one card. I can not activate it. 
I stutter. A XXXX. I don't like using the phone. 
There is no email to use to communicate with them.
Product: Credit reporting or other personal consumer reports

Follow-up Reference to # XXXX I am writing to formally ask for validation and lawful consideration regarding an alleged loan agreement between myself and USAA XXXX  XXXX Under 15 U.S.C. 1601, the Truth in Lending Act ( TILA ) mandates full disclosure of all material terms in a lending agreement. Additionally, 15 U.S.C. 1692 requires that any alleged debt be validated with lawful documentation proving the legitimacy of the transaction.

Furthermore, under 15 U.S.C. 44, banks are recognized as corporations operating for profit, not as individual lenders. As a financial entity, your institution is required to adhere to the Uniform Commercial Code ( UCC 3-419 ), which governs the conversion of financial instruments. It is my understanding that my promissory note or loan application was monetized, securitized, or otherwise converted into a financial asset without full disclosure, thereby creating value from my signature. 

Given these legal principles, I request the following documentation to verify the legitimacy of the alleged loan : Proof of Consideration : A full accounting ledger showing that the bank used its own assets to issue a loan rather than creating credit based on my signature. 
XXXX XXXX Promissory Note and an affidavit verifying the banks lawful exchange of funds. 
Verification That the Loan Was Not Securitized or Sold in a secondary market without my knowledge or consent. 
Proof of Financial Loss to the Bank in issuing the alleged loan. 

If you can not provide verifiable proof that a lawful loan was issued in compliance with federal law, I demand that the alleged obligation be discharged immediately. Any attempt to continue collection efforts without validation may constitute fraud and a violation of federal statutes. 

Please respond within XXXX  days of receipt of this letter. Failure to provide the requested documentation will be taken as an admission that no lawful loan was issued, and I will consider this matter resolved in my favor.
Product: Debt collection

I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results. I've sent follow up letters and still no response and investigation still shows as open on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my account on time every month on line. One month i got notified that it was paid on time by the website but then then 30 days later i was notified that they never received the payment and then a 30 day late pay was put on my credit report. I have tried to get it removed from my credit report but have not been successful even though the late pay was by no fault of my own. Please help.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report, including incorrect names, addresses, and phone numbers. It is essential to dispute these errors to ensure the report reflects accurate and up-to-date information. Prompt correction of these inaccuracies can help prevent potential issues with credit applications and identity verification. I am writing to formally dispute inaccuracies on my credit report and to address potential negligence and civil liability under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I recently reviewed my credit report and found incorrect names, addresses, and phone numbers that do not belong to me. These inaccuracies suggest a failure to maintain accurate consumer information, which may have resulted from the Equifax data breach and subsequent mishandling of my personal data.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of consumer information and to investigate disputes promptly.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Product: Credit reporting or other personal consumer reports

I don't even know where to begin. But there are over XXXX hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access XXXX XXXX anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX