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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 on those accounts 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 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: Payday loan

I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?
Product: Credit card

This phone number, XXXX XXXX, was provided from physical mail. Its allegedly from Best Buy Credit Services ( Citi ) but I looked it up online and it was false. Someone was also scammed from this number, claiming it reconed them for XXXX ( XXXX XXXX XXXX XXXX  )
Product: Credit card or prepaid card

I signed up for a credit card with Macys. They started mailing statements to my old address. I contacted them to update the address but still did not receive them. They continued to send statements to wrong address and I didn't know a payment was due for many months. They left the account open and it has ruined my credit history. I did not even know I had a credit card with Macy 's and they never contacted me. I have attached a picture of the payment history from Macy 's.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Credit card

I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter. 

As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week. 

Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed. 

I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.
Product: Debt collection

OnXX/XX/2018, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with Capital One. On XX/XX/2018, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, XXXX XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, Capital One, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.
Product: Debt collection

Hunter Warfield bought debt that a property management company fabricated, and Hunter Warfield contacted me to try to collect on this false debt. I am submitting this complaint because Hunter Warfield does not perform its due diligence before purchasing debt, and it is illegally trying to collect a debt that is not mine from me.
Product: Credit reporting or other personal consumer reports

I went to open a bank account with XXXX but I was denied. When I inquired about why I was denied, the bank rep told me it was because I had an outstanding balance with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX never notified me that they were going to report this information to any consumer reporting agency, and the information they reported was/is not completely accurate per the FCRA. I am a single father who needs his bank account to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX, I had three charges from XXXX on my TD Bank credit card, all on XXXX XXXX. {$140.00}, {$100.00}, & {$140.00}. I went to the bank and told them the problem and they took the charges off my credit card. Then, I thought the problem was solved, but every month, from XXXX XXXX thru XX/XX/XXXX, there have been unauthorized charges on my credit card. {$140.00}, {$140.00}, {$150.00}, {$150.00}, {$57.00}, {$210.00}, {$210.00}, & {$210.00}. I have filed multiple disputes, but TD keeps sending me letters, that say, no fraud has taken place. I have even did what they asked me to do, go to the XXXX  site and put in my email address and then select, forgot my password. I did and what came back was, there is no account associated with this email. What else do they want me to do? I even asked TD Bank to send the info that XXXX  and they refused. I am not computer savvy, and do not know how to upload info. I did email someone at XXXX and they told me to send them, full name of cardholder, last four digits of the credit card, expiration date, amount charged, transaction date, and billing address. I did not feel safe sending the card number and expiration date. I asked if I could fax the info and was told no. TD has all the info and I would give permission for them to send it to XXXX, to get this mess settled.
Product: Debt collection

I previously sent Porfolio Recovery Associates a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. During my request of proper debt validation with Portfolio Recovery I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

I have a PayPal Mastercard through Synchrony bank. When the account was opened the credit limit was set at {$650.00}. I have not gone above the credit limit. ALL payments have been made and made on time. 
The card currently has a balance of {$160.00} on it. Synchrony randomly, without warning, dropped my credit limit to {$180.00} leaving an available balance of {$14.00}. This WILL NEGATIVELY affect my credit score as it now looks like I have maxed the card out ( credit balance to utilization will be seen as too high ).
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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

Several months ago I attempted to get into contact with the collection agency about verifying my debt. I also stated that if the debt was verified I would like a letter in the mail saying so. I also stated that I was willing to settle the debt for deletion if it was verified. Two months later I have yet to receive any kind of notice of the debt. I also didn't receive any kind of letter stating the debt. I found it one day on my credit report with no notice.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1XXXX XXXX Account # XXXX **,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX Bank Account 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 reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX  ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Product: Checking or savings account

Hi - I am  a New Yorker and  a  30 plus year Citibank client - also a private banking client and now CitiGold Account - my account is in good standing.    I am traveling in  XXXX  and was asked to use a PIN with the   Citibank Mastercard - something I never do in the US - because I remember my PIN in letters and the key pad here is only in numbers - I Transliterated the number wrong - and then went to bank and entered a wrong number the account was blocked.
Citibank has established my identity a variety of ways and satisfied I am the card holder.
But to my astonishment I am now stranded with no money because Citibank will not unlock the account and will not allow me to create a new PIN to access my account - Apparently they just block you from your own account - and your own money.
They are completely unable to problem solve and the first 4 representatives i spoke to to - just gave me inaccurate information!
Here are the employee numbers - Plus I am traveling child - Please help!
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 

15 U.S.C. 1681 Section 602A. 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 reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I deman the accounts listed below be removed because according to 15 usc 1681 : I have the rights to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts. 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
Product: Mortgage

What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at XXXX different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were XXXX, XXXX, Sunlight and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the TransUnion inquiry issue. I spoke with TransUnion and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX XXXX XXXX all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, 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