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

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX 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: Credit card or prepaid card

someone tried to open a credit card in my name and ssn through us bank.
Product: Money transfer, virtual currency, or money service

I received a phone call on Monday, XXXX XXXX, 2017 at  around XXXX from a company called Premier student loan center claiming that they worked to help people deal with their student debt in which they call a forgiveness loan. They asked me if I owed more than XXXX dollars so I said yes. They asked for my name, address and name of the company where I am currently paying my student loans. They were able to pull up my information and said that I qualified for the maximum amount which would lower it from XXXX to XXXX. All I had to do was pay a fee of XXXX for 5 months for their services in which after I made the five payments I would only be paying XXXX dollars a month toward my loans. They asked me to provide my social security and card number for these payments. I was then charged for the first month which was the XXXX dollars. On Wednesday XXXX XXXX, I called the company where I have my student loans and told them about the call I received from Premier student loan center. Once I told them about the situation they told me that it was all a scam all loan forgiveness should be done within the same company free of charge and that they had not been contacted from any company by that name.
Product: Credit card

I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I purchased a XXXX XXXX  XXXX new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.
Product: Checking or savings account

I opened a checking account with TrustMark national bank on Friday XX/XX/2021 Saturday morning XX/XX/2021 I deposited my paycheck through a mobile bank app and the bank has put a hold on my money and as of today XX/XX/2021 the bank still has a hold on my money. I have complained to the bank personnel and he told me theres nothing he can do. I need my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELOW IS TH THE INFORMATION OF THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX   XXXX XXXX : XXXX No : XXXX Date opened : XX/XX/2014 Balance : {$4300.00}
Product: Payday loan, title loan, or personal loan

I noticed this account on my credit report. I have written this company numerous times and they have never responded by mail, email or phone, ever. It says it was sold to XXXX XXXX XXXX. They have never contacted me, either. I tried to login to their website and it says that my information doesn't match their records. This is an unknown account being reported to my credit reports makes it identity theft. It says that I have made some payments, which is not true. I have never made a payment on this account. Which makes this account, inaccurate and unverifiable, which is grounds for deletion.
Product: Mortgage

I have recently been approved for Mortgage Assistance payments though a State program, and the lender, M & T Bank is a participant of this program. In XXXX XXXX, the Mortgage Assistance Program paid for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX mortgage which caught up all that I had got behind in payments. The agreement made between the State Program and the Lender is to pay {$760.00} Mortgage Payments during the need of my assistance. I noticed that my XXXX XXXX and XXXX XXXX Mortgage Statement has XXXX Dollars ( {$70.00} ) Return Item/Other Fee ( XXXX ) listed where it was 'NOT LISTED ' BEFORE. This bank ( M & T ) is trying to sneak in fee XXXX s ) that is not warranted. I called M & T Bank on XXXX XXXX, XXXX regarding this charge of {$70.00} and was told it was a monthly inspection fee. There was no inspection ( s ) done - I have been unemployed since XXXX XXXX, XXXX and " NO ONE '' on behalf of M & T Bank came by to do a inspection. The next excuse was " someone could have rode by ''. Riding by is not an inspection to determine if the house is vacant or abandoned. This fee of {$70.00} " WAS '' added after the State Mortgage Assistance Program caught up my payments that I was behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 To Whom It May Concern, This letter is MY 2ND FORMAL COMPLAINT that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be re-investigated. 
XXXX XXXX XXXX XXXX There is a concern I have regarding the accuracy of your agency 's reporting for this account. I have consistently made my payments on time, and thus there should not be any instances of negative remarks. I kindly request you to carefully review all the information related to this account or ensure it is UPDATED in my report. 

ATTACHED TO THIS COMPLAINT YOU WILL SEE THE MANY INNACURACIES BEING REPORTED ON JUST THIS ONE ACCOUNT FEDERAL LAW STATES ALL DATES MUST MATCH AND THE ONES ON MY ACCOUNT DO NOT. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be updated from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please update this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Information from My Credit Report Dear Sir/Madam , Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am formally disputing and demanding the immediate removal of inaccurate and harmful information contained in my credit report.

1. DISPUTE OF NEGATIVE ACCOUNTS - EXPERIAN My Experian credit report contains incorrect and potentially damaging information. Under the FCRA, all reported information must be accurate, verifiable, and fair. The following accounts must be investigated and removed immediately : XXXXXXXX XXXX ( Account # XXXX ) - Reports 30 and 60-day late payments. I demand validation of these reports. If you can not verify them, they must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) - Reports late payments in XXXX and XXXX. I demand proof of these payments. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - Reports late payments. I demand immediate removal or documentary validation.

If you fail to provide full evidence within 30 days, the law requires you to remove these items from my record. 
2. REQUEST FOR DEBT VALIDATION - XXXX XXXX [ To the Debt Validation Department at XXXX XXXX  ] I am demanding, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a full validation of the alleged debt reflected in my account. By law, you are required to provide detailed and verifiable evidence of the validity of the reported charges, including : A copy of the original contract with my signature. 
Detailed payment records and proof of the alleged late payments. 
The name and contact information of the person responsible for reporting the negative information. 
If you fail to comply with these requirements within 30 days, the information must be removed immediately. 
XXXX. REQUEST FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES My report shows XXXX recent hard inquiries that I did NOT authorize. Under the FCRA, any unauthorized credit inquiry is a violation of my rights and must be removed immediately. I demand the removal of : 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  ) Any unauthorized use of my credit information is subject to legal action, including civil lawsuits and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

4. LEGAL WARNING If this dispute is not resolved within 30 days, I will proceed with the following legal actions : File a formal complaint with the CFPB and FTC.

Assess legal action for non-compliance with the FCRA and FDCPA.

Seek legal counsel to file a lawsuit against your entity for financial and emotional damages.

I expect a written response with the resolution of this case no later than 30 days from the date of receipt of this letter.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or records of this account on my report. I have disputed this unknown fraudulent medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt ), and have had no valid response. 
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. 
Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) I also reserve the right to include your Bureau in any legal remedies I pursue. 

You compromised my personal information with your security breach YET allow companies to place fraudulent tradelines on my credit report. The same information YOUR company compromised is the SAME information someone needs to place fraudulent things on MY report that YOUR company furnishes. It seems as if equifax is in the fraudulent companies side vs the consumers!
Product: Debt collection

I noticed a debt for {$240.00} on my credit report from Portfolio Recovery Services LLC well over a year ago from XXXX XXXX  that is not mine. I have disputed this with the collections company for over a year now to no avail. The company has marked it as disputed on my credit report but refuses to remove it. They have gone as far as sending me a past due bill from the original creditor without any other details other than saying I owe the amount shown. I have told them over and over that these are not my charges and if they looked into the charges they would see its not mine but it just gets ignored every time and the charges stay.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX 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: Debt collection

The fraudulent lender on my most recent report is COMMONWEALTH FINANCIAL and Their contact number is XXXX. I called and spoke with the company. Apparently these charges were for a property located on XXXX XXXX. I am not associated with that property. The person who received medical care does not fit the description of anyone in my household nor do they live at my address. This is a fraudulent charge against me. I have always maintained excellent credit and dont want this fraud to impact my score.
Product: Checking or savings account

Ally bank received direct deposit of my Social Security payment into my account ending in XXXX on Wednesday XX/XX/XXXX which they had closed. I called on XXXX the XXXX they acknowledged receipt and would be overnighting the check to me. 
Did not get it the XXXX even though I impressed it was condition critical for medication. Did not provide me any overnight or shipping information. 

Saturday I was informed that unfortunately the person supposed to sign off or authorize the shipment was not in and would not return till Tuesday. 

Today Tuesday they still do not have any information of me receiving my check. I would formally want to charge them for cruelty and abuse of a XX/XX/XXXX citizen and for being callous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following attachment to transunion on XX/XX/2022. I spoke with a representative today and was told that they never received my letter.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity Theft by my Ex husband. 
Remove Negative Information from my Credit Report
Product: Vehicle loan or lease

I need help with a loan that I have with Truist. Truist has been an absolute NIGHTMARE to deal with. I called customer service and got passed around from department to department just to get disconnected 5 different times! The branch leader in XXXX XXXX, XXXX XXXX, has been a nightmare to deal with too and worthless. Ive gone to see him 3 times in the past week because he never answers the phone, calls me back, or responds to email. Ive filed a complaint with customer service and was told Id be given a call this morning, and have yet to hear anything. Ive been trying to reach XXXX XXXX since last Thursday and have had to come in every time because I cant get him to respond to calls or email. 

My truck was stolen and I received an insurance payout and they sent a check for the remainder to Truist last month, so I didnt make a car payment. Then I got hit with a late fee for not paying. So I called to ask what the reason was and was told you Truist couldnt cash the check and I needed to go to my local branch. I go to my local branch and am told the title wasnt perfected because Truist was never listed as the lien. Ive had the truck for over 5 years and Truist was never on the Lien!!! Thats on Truist not me! 

So then I was told to go to the DMV and have them add you as the lien. Well the DMV tells me they cant give out a duplicate title for a stolen vehicle and that the only way would be to get the stolen status lifted which there is no way in hell the police are going to do during an ongoing investigation. And Ive contacted Truist over and over, and stopped by numerous times and no one can help me figure it out. I swear to God Truist better make sure that my credit score is not effected. As of now they have crushed my credit and I demand they do whatever it takes to get it back to the deserved credit score as well as cash the damn check.
Product: Debt collection

This debt has been disputed numerous times and removed. I do not owe this debt. This also looks to be a very old debt. I sent a certified letter stating this. Do not contact me anymore and i do not owe this debt!
Product: Debt collection

i have asked Professional Placements services to provide me with proper written validation of my alleged debts and they have failed to comply with FTC standards of validation per the XXXX opinion letter put out by the FTC.which states that proper validation is not achieved by a simple printout from the collection agencies records.and this is exactly what this company has provided and called proper validation.this company has been involved in unfair debt collection practices and is in violation of the FDCPA