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 and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX  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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Case # XXXX I have been trying to get this matter resolved for over a year to no avail they claim that I have not paid the mortgage, yet they have accepted online bank payments and cashed checks, Then sent delinquency notices for the months that they cashed the checks for. they have repeatedly returned payments and I sent them back. 
There are payments that they did not return nor have been applied. 
They make collection calls yet it is a different person each time and they do not have my full account information. Many time it is very hard to understand them. 
They have falsely reported to the credit bureaus and HUD that I am not making payments. 
..
Product: Credit reporting or other personal consumer reports

The documents below needs to be properly investigated & reviewed. I am a victim of identity theft I would like for the following items to be looked at & escalated.
Product: Credit reporting or other personal consumer reports

I am disputing several items on my credit reports, as I believe they are the result of identity theft. Fraudulent accounts were opened in my name with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX totaling over {$XXXX}. These accounts, along with associated inquiries from XXXX XXXX, XXXXXXXX XXXX, and XXXX, were opened without my knowledge or consent, impacting my XXXX XXXX. The earliest fraudulent account dates back to XX/XX/XXXX, and I discovered these items in XX/XX/XXXX. I have filed an FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and request removal of these items from my reports with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked in XXXX XXXX for 19 years. I was told that the remaining balances on my student loan would be forgiven last year due to my duties in XXXX XXXX. This did not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.
Product: Debt collection

Called paypal on XX/XX/2021 to ask why I was unable to log in to my account. Paypal said I had a negative balance and it was sold to a collection company. I was never told my paypal that I had a negative balance or contacted by them about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary XXXX TransUnion XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX : XXXX XXXX XXXX  XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation
Product: Consumer Loan

Case # XXXX I made a complaint against this company Tide Water Finance hoping that they will stop sending me monthly statement hence they see a Government agency aware of their shady practices. They have not stopped ; the monthly statements keep on coming with charges that do n't make sense. I will send you a copy of this month statement to show you what I mean. It is ambiguous, confused ; I do n't understand the reason for the charge. The account says XXXX balance ; yet there is still a {$25.00} bill due. 
I had concluded my financial obligation with them last month. Their representative on the phone assured me that if I pay my final balance with a live person instead of the machine ( computer generated assistant ) ; for {$8.00} fee, this {$73.00} balance will be my final statement. This is the third final statement I received from them. I had {$100.00} final statement before, followed by {$73.00} which was supposed to be the last. 
Now I have a new statement with XXXX balance and a {$25.00} charge that can not be explained. 
When does final means final. I do n't want to have any surprises later on if I do n't pay and receive a bill for XXXX of dollars a year or so later. Their representative on the phone before I pay {$81.00} [ {$73.00} + $ XXXX {$81.00} ] gave me a confirmation number and the assurance that my transaction with them was final.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed out a dispute letter to Experian requesting that they validate debts from : Name : XXXX  Account # XXXX Name : XXXX XXXX XXXX XXXX Account # XXXX I received notice from Experian on XX/XX/2023 that the debts were verified and accurate. However, they did not provide any documentation with my signature ( which was requested ), and they did not prove in any way that their reporting was 100 % accurate. The only thing that Experian sent to me was an itemized statement which anyone could have typed. On XX/XX/2023 I mailed them out another certified letter giving them 15 days to provide me with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, and a document bearing my signed signature. It has been 45 days and I have not received any documents by mail with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, or a document bearing my signed signature. Experian is causing me a lot of distress by failing to remove these false claims from my file. I am getting turned down for things that I should not get turned down for, such as a car so that I can get my children and I back and forth.
Product: Debt collection

On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015. 
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA. 
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.
Product: Credit card

I have an Amazon XXXX account, and make purchases regularly. Somehow, apparently in XX/XX/year> I was induced to sign up for a credit card with Synchrony Bank, when I made a purchase I was apparently asked if I wanted to use a store credit card, and thinking it referred to my regular XXXX  account I said yes, and that became my default payment method. I never received a paper statement, but began receiving emails and phone messages saying my payment was overdue. It said Synchrony Bank, which I didn't recognize as a bank I had ever dealt with. When I would try to call, the recorded voice would ask for my Social Security number which I did not want to give out, thinking it was a scam. Finally I spoke to a real person and told them to send me a statement so I could confirm the purchases were legitimate, and to close the account. It took a while for them to send me the statement. When I confirmed the purchases were legitimate, I paid the bill which by that time included a large interest charge. Thinking I would never hear from them again I threw the statement away. This was sometime in XXXX. Just recently, I started receiving more emails telling me there was an overdue payment due. I called yesterday and finally reached a human, after declining to give my Social Security number, and not being able to give my account number because, again, I have not received either a paper or an email statement. The person told me the payment was late so I now owe another interest charge and late fee. I told him this was fraudulent, that it was a bait and switch, that I never intended to sign up for the card to begin with, and that I was not going to pay the bill
Product: Debt collection

Debt collection agency is confusing me with someone with the same name. Even after letting them know that they have the wrong person ( when they tried to garnish my wages ) they have continued to try to collect the debt, threatening to garnish bank accounts. The worst part is that the legal notices of the garnishment attempts are going to the correct person, but the actual garnishment attempts are against me -- so I do n't have an notice of the activity until it happens. 

The debt collection agency has ignored all communication from me, and refused to give me any thing official to say that they realize that they are going after the wrong person.
Product: Credit reporting or other personal consumer reports

I have sent Equifax several paperwork showing that my information was stolen through a data breach. I have sent them police report. Also my new address that I have not been living at the address on my license several years. also, I let them know that I had 31 hard inquiries that I did not do that. They need to remove old phone numbers they do not belong to me and addresses. They do not belong to me. They agree to delete it within 72 hours still yet to do so they keep asking me to send them in the same proof of identity, which is my drivers license and Social Security card and lease and also information showing that my information was stolen during the data breach which I have done several times I do not have an active fraud alert on my account with them which I should. I do not know my credit card with them because they would not tell me as well and I sent in the paperwork once again. I have sent it over 100 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. 
The company showing on my report are XXXX XXXX and XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

Burden of proof on a disputed card transaction belongs to the merchant. I reported a duplicate charge to TD Card Services on XX/XX/2022. The amount of the duplicate charge was for an online transaction in the amount of {$23.00}. 

Credit card company is delaying the credit to my account. They continue to utilize mail services to correspond and make requests for faxed documentation to me, the consumer. Every other credit card company has a simple online dispute that can be filed and credit issued within XXXX or XXXX days. 

I explained that the transaction is a duplicate. If I send XXXX receipt to reflect my charge of {$23.00}, this proves nothing. There is no documentation to clear a duplicate that a consumer can provide. 

My complaint is that TD Card Services is not following current laws in providing immediate credit to my account. Consumer does not have the burden of proof in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an account on my file that says " Authorized User ''. I do not recall ever being added onto anyones account. This account is not recognizable to me and you have nothing signed from me binding me to this account. I do not know whos account this is and I must be removed.
Product: Mortgage

The current Mortgage Servicer has an illegal foreclosure against our family home. We were APPROVED and in a loan modification trial period with the previous Servicer ( Resurgent ) when the mortgage was service transferred to a new Servicer ( Shellpoint ) who failed to honor the APPROVED Trial Plan and refused to accept payments from us so the account fell so delinquent that it reached a point where the balance due was to much to pay for us at the time. We reached out and made several attempts to request mortgage relief assistance with Shellpoint to no avail. They just want to take our home. They have failed to assign a SPOC or meet the Conditions and Requirements of contacting borrowers before filing Notice of Default under California Foreclosure Law and HBOR. We submitted several packages and documents on many occasions and they always lost the documents and failed to reply. They simply have us the run around and failed to help save our home. Now they have a trustee sale date of XXXX/XXXX/2016.
Product: Checking or savings account

My direct deposit was placed into an unknown account, that my name, to my knowledge not attached to. 
All statements went to a different address that I was unable to obtain. 
I requested information of my ACH deposits, however, XXXX XXXX does not allow you to speak with their ACH department. 
After long hold times, I am hung up on by representatives and have attempted to reach the employer to learn the banking information and they also refuse to assist. 
All my money for employment was placed into an account and I am unable to obtain it. 
I have also attempted to get in touch with anyone who is anyone in the XXXX company and they are at the mercy of the employer who also refuses to provide the information on the account my payroll was deposited in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a collection account being reported on my Experian and XXXX credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. Experian and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my Experian credit report.