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

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

They have injured me by violating multiple federal consumer laws pursuant to the FDCPA
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to get a copy of my credit file. I have not been successful in getting any response from the company but they are reporting incorrect information.
Product: Credit reporting or other personal consumer reports

In XXXX, I setttled a debt via XXXX. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself and XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Debt collection

LOCKHART MORRIS & MONTGOMERY has an account in my credit thats not mine.
Product: Credit reporting or other personal consumer reports

Copy of credit report by calling the Equifax and XXXX XXXX phone numbers. Both agencies are more interested in trying to sell a credit monitoring service than to give to me my free annual credit report. I need a copy of my Equifax and XXXX XXXX credit report to be mailed out to my home address immediately.
Product: Checking or savings account

Navy Federal BankXXXX XXXX checking account, XXXX XXXX  overdraft fee,XXXX, XXXX, {$29.00} Each fee. I called them to get fees returned and they denied me for a XXXX dollar Transaction. I have been reading up on all laws and this is very wrong for a company to hold my money bu charges the client such a heavy fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. 

I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, EXPERIAN, AND XXXX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request.

Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report.

Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports.

Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA.

Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

The inquiries that need to be deleted are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX experian XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX Experian Business Cred You applied for credit on XX/XX/XXXX space Coast Credit Uni You applied for XXXX on XX/XX/XXXX XXXX : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Prepaid card

I received gift card for {$100.00} and it was in my possession a little over 2 years. I tried to use it at XXXX and it was declined. I called the company and was told that a charge was made in XXXX  California, I reside in NY. As this was a gift card, only the issuing company would have had access to its information and it aging unused status and thats why Im filing this complaint. Additionally the store clerk said has seen this numerous times with this particular company. Company info : Vanilla by e2interactive InComm. They also operate as XXXX.
Product: Debt collection

Repeated calls at all hours for someone else when I tell them no one at this number by that name many many times
Product: Money transfer, virtual currency, or money service

I went to my bank to deposit a check that was given to me through a settlement and was issued in my name the administrator of the estate. When I was given the checks I was told by my attorney they could be put directly in my personal account and the estate was only mentioned because it was part of my title. At the bank the teller and the rest of the employees believed the money should go into my account instead of the estate as well. Upon calling her supervisor in front of me they told her what to do and her response was are you sure it hundreds of thousands of dollars after a side conversation and realizing what amount of money was involved the story changed to force the money into the estate
Product: Checking or savings account

I filed Complaint # XXXX about USAA and many problems I have encountered with them. My investment account has sat for more than 2 years with little or no activit. Now, because I spoke out about the mishandling of my accounts have retaliated against me for filing my complaint with you. Inevitably, they refuse to make correction to any of the issues and USAA continues to : 1. Bill me {$270.00} for an auto insurance policy that was terminated because the car was stolen ( police report was submitted ) .USAA attempted to charge the premium to my checking account despite the cancellation ; thus, my checking account went into overdraft. No correction has been made to this issue. I have given them proof that my insurance was moved to another carrier when I later purchased a new vehicle 2. Refuse to acknowledge that my social security number was on file correcctly with the bank, the brokerage firm, and the insurance company.A copy of my social security card was submitted at the inception of my banking relationship with them. XXXX transferred my stock to them using my correct social security number ; thus, I know the number was correct on the brokerage side.And, as for the insurance, I know my number was reported correctly because they immediately placed a negative mark on my credit for the undue premium. As detailed in the attached letter from USAA, they lost the XXXX I submitted, at their request. I completed the form and mailed it back in the self addressed stamped envelope that was i sent to me by USAA. How am I the customer supposed to be responsible for how they handle the mail they receive? 
3.Online access to my account is restricted and has remained restricted for years. One agent removed the restriction XX/XX/XXXX, the next day, the restriction was back in effect. 
4.On XX/XX/XXXX, I requested a sale of XXXX stock . I was told that I COULD NOT perform the trade over the telephone and would have to submit written documentation. I submitted the written request to sale 10 ( ten ) shares of XXXX stock and transfer the funds to my XXXX XXXX account. I did not receive a response to my written request for more than 7 days, thus, I called again. The agent I spoke to on the second call, instructed me that my written request had been received but would not be processed ; the trade had to be performed telephonically. She then stated that she would forward my request to an agent to perform the trade. Moments later, I was forwarded to an agent. The agent began processing the trade, as he stated the trade value, I noted that he was selling XXXX XXXX XXXX stock, not the XXXX as I requested. He was told immediately of the error. He placed me on hold to make correction. When the agent returned to the phone, he told me that the trade was instantaneous and he could not correct his error. Instead of owning the human error, USAA refuses to acknowledge that my written instructions stated to sell XXXX stock and that is all that the agent was supposed to do. His error cost me unnecessary fees and USAA 's human error of losing my XXXX, cost me undue backup withholding.
Product: Debt collection

To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.
Product: Credit reporting or other personal consumer reports

The Fair

Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 


Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have spent thousands of dollars in time and money to correct the fraudulent, mailed letters, hired credit repair companies and i still show errors on my credit account with NO success, I have place fraud alert, freeze accounts and still having fraudulent transactions ADDED to my credit accounts. I have mailed a copy of my deification and ss card as proof of my address, Name and the credit account are still showing my personal information as INCORRECT, XXXX, Experian, XXXX
Product: Credit card or prepaid card

I was trying to inquire on a credit card debt. Agents in general departments acted normally and routed my call to the XXXX Department. I called CitiBank at XXXX XX/XX/23. 

I recorded the phone call as she became rude. 

This agent became hostile when I indicated I had difficulty hearing her, though I was patient and calm. Her hostility continued, and she had difficulty looking up my accounts with the bank. She denied to provide me any information regarding one of my card debts, she cut me off during speaking, and she threatened to disconnect the call. 

I asked her to disclose her name, but she refused ( I believe this is a requirement in the banking industry ). 

She then became silent for 30 seconds, then spoke to me again saying goodbye and transferred my call to a Spanish-speaking automated system. ( It seems like she was not allowed to disconnect the call, had tried to convince me to hang up, and then abused a call transfer system. Most concerning is that she would not self-identify after her unprovoked rudeness. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me onXX/XX/XXXXXX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately
Product: Mortgage

Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.
Product: Debt collection

I spoke with a representative with the Columbia Debt Recovery LLC dba Genesis ; I have a debt from an apartment complex that is in dispute. When I spoke to " XXXX '', he told me " He would run this up the chain to the higher-ups, but just the fact that I'm disputing the debt is seen as evading payment and that if I don't pay the {$1000.00} that is owed right now, he can then add additional charges from the apartment complex onto my account totaling {$2700.00} ''. 

I should be allowed to dispute a debt without being threatened with more debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took out a credit repair money lion loan with Money Loin they advertise that they give loans up to {$1000.00} and will give you so much upfront and put the rest in an escrow account. and in return you pay a {$20.00} a month fee for their credit repair services this loan is not avail with out this service. 

XX/XX/XXXX I contacted money lion about closing my loan I was told if I paid the balance {$420.00} with my debit card the loan would close and the escrow would be released immediately. so I agreed and paid the {$420.00}. here is where things go sideways. 

I have a few issues at this point the escrow was never released and to date hasn't been I called twice now and every time I call I get different information from the reps first I get told that I have to wait 1 day for things to process then im told 3-5 days then I was told 3-5 days for the payment to post and 3-5 for escrow to clear. and I feel  this I a blatant violation of truth in lending first they charge a {$20.00} per month fee to use their loans which make the interest on this loan essentially 105.93 % but because its a " FEE '' that some how makes it legal. when I started to do the math it didn't add up because on their lending paperwork im told I was taking a {$500.00} loan at 5.93 % and the Toal interest was {$15.00} and some change but no where on their paperwork do they disclose that I have to pay this service fee to use their program that's elsewhere on their paperwork so for a {$500.00} loan I end up paying {$1000.00} that's just plain robbery and then when you call them out on it and try and pay your loan off they XXXX you over and hold your escrow and just give you XXXX   excuses about the escrow and how long it actually takes to clear. this company is praying on those with week credit and should bee looked into. when I told the supervisor XXXX that I planed to file a truth in lending violation he was nonchalantly like ok that's fine because I can't do anything for you. that is just bad business all around.