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

My account with 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 60 days 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 XXXX  before the payment due date. 

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 XXXX 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 reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. In accordance with the Fair Credit Reporting act XXXX 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 consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed numerous inquiries on my credit report that I did not authorize please remove these account as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts linked with my account that I am unaware of and want them removed.
Product: Credit card

I have notified Wells Fargo New Mexico, N.A. in writing three times that the replacement chip credit card it sent me was never received. I did not request the card, but WF will not take action to replace the missing card without forcing me to endure endless telephone conversations followed by sales pitches I do not have time for. 

I have spent time on the phone with WF verifying my identity and correctly answering security questions, but WF still will not 1 ) acknowledge my report of the missing card ; and 2 ) commit to replacing the card without requiring me to endure more endless telephone calls and sales pitches. 

Please instruct Wells Fargo to send a new card and stop requiring me to use antiquated, inefficient voice telephone systems to resolve a problem which I did not cause. 

Thank you.
Product: Prepaid card

Usbankreliacard is the issuing bank/company for my Iowa Unemployment insurance money XXXX They sent me a prepaid card originally so my benefits could be loaded. 

On XX/XX/XXXX and XX/XX/XXXX someone had logged into my XXXX account to get a ride and place an order. My card was saved onto my account so I had to dispute these charges and request a new card. 

On XX/XX/XXXX my card was " sent '' to me in the mail. I waited 10 business days and it never came. 

I called on the 13th business day and they seemed very concerned and said they would send me a new one. Again I have waited 10 business days and it has never came. 

They claim to have sent it XX/XX/XXXX. I do not believe they are sending me my card. There is no possible way they have sent me my card and it got lost in the mail twice. 

Now I am going to have to order a new one a 3rd time. They also have the option to expedite my card. The fact that they didn't offer this to me the first time my card was " lost '' is horrible customer service. I have {$930.00} on my account that I can't access. I almost was evicted from my home and had to borrow money from my fianc 's employer in order to pay rent last month. 

I have a XXXX XXXX XXXX child that they almost made homeless. I am livid about this situation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear XXXX, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization. 

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX I contacted them via mail concerning unauthorized inquiries and inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX investigation and re-investigation verified with XXXX and the result is public records are UNVERIFIABLE. XXXX XXXX has disputed with the credit bureaus on my behalf without a response.
Product: Mortgage

I would like to formally dispute a negative credit mark that has been placed on my credit report by the institution, First Horizon, in connection with my mortgage. Also, acknowledge harassment and poor treatment. 

The issue at hand revolves around a severe lack of communication and transparency on their part regarding the maturity of my mortgage. I was shocked to discover that my mortgage had matured weeks before I received any notification from the bank. This complete lack of timely information has resulted in an unjustified credit mark on my otherwise flawless record. 

The bank failed to notify me in a timely manner about the maturity of my mortgage saying, It slipped through the cracks. I was only informed of this critical information weeks after the fact, which left me with very limited options and time to manage my financial situation and secure a refinance. This has been done, and the institution has contacted First Horizon saying a check will be sent to them immediately after closing has finished. Yet, still they call multiple times a day demanding full payment with threats of escalation. 

Despite being a responsible and punctual borrower throughout the life of my mortgage, I received no reminders, notices, or any form of communication regarding the approaching maturity date. This lack of communication is unacceptable and unprofessional. We offered to continue to make payments on the loan till the mortgage was refinanced, or make a very large payment, but this was DENIED by First Horizon.

As a direct result of First Horizons negligence, the credit report for both my wife and I now reflects a negative mark, which will have adverse consequences on our ability to secure credit and loans. This unjust credit mark has the potential to harm our financial prospects for years to come.
Product: Credit card or prepaid card

I ordered electric bikes totaling {$2800.00} on XX/XX/21. By late XXXX I could see the merchant was not going to send me the bikes. I disputed the charge on my Synchrony Bank XXXX XXXX  Mastercard. Due to an error on the amount I indicated in the dispute, Synchrony Bank credited my account {$300.00} on XX/XX/21. I re-filed the dispute on XX/XX/21 with the correct amount of {$2800.00}. On XX/XX/21, my account was credited {$2800.00}. The very next day, XX/XX/21, Synchrony Bank RE-CHARGED my account {$2800.00}. I have submitted a total of FIVE DISPUTES on this issue. Each time Synchrony Bank responds by telling me that they credited my account {$2800.00} on XX/XX/21. Each time I submit another dispute confirming that fact but pointing out that they then recharged my account in the amount of {$2800.00} the very next day, XX/XX/21. I have copies of the statements showing the initial charge as well as the XXXX statement showing the {$2800.00} credit and the {$2800.00} re-charge the next day as well as copies of all letters and documentation I have been sending Synchrony Bank for almost one year trying to resolve this issue. I have attached my latest letter of frustration to Synchrony Bank as well as copies of my statement showing the purchase on XX/XX/21 and the XXXX statement showing the {$2800.00} credit on XX/XX/21 and the {$2800.00} recharge on XX/XX/21.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Subject : Debt Validation Request Dear NCA, LLC. I am writing to formally request that you validate the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request a written verification of the debt and request that you provide the following information : 1.The amount of the debt, including any fees or interest added. 2. The name of the original creditor to whom the debt was owed. 3. Documentation showing that I am the person responsible for the debt. 4.Proof that your agency is authorized to collect on this debt. 5.A copy of the original signed agreement, if applicable. Please provide this information to me in writing within 30 days. Until I receive this verification, I request that all collection efforts be suspended and that no further actions are taken to collect on this alleged debt. Additionally, I ask that you refrain from reporting this alleged debt to any credit reporting agency until it is properly validated. Please note that this is not an admission of liability for the debt, nor is it a refusal to pay. It is a request for proof that the debt is valid. Thank you for your attention to this matter. I look forward to receiving the requested information. XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation
Product: Debt collection

On XX/XX/2019 I was checking my credit report on XXXX XXXX, and there is an account in collections on there. I check the account because I was unaware that I owed this alleged debt. I have never received any written communications nor telephone calls from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to XXXX XXXX XXXX. 

XXXX now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX Resorts that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that XXXX received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new XXXX year period of reporting. This account has already been reported for XXXX years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted XXXX and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted Equifax and filed XXXX disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. Equifax said that the information will remain the same each investigation took a matter of XXXX hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided Equifax with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.
Product: Student loan

I called Sallie Mae on XX/XX/2024 to discuss the fact that my student loan payments were starting in XXXX and they would be {$690.00} a month. I told them I couldn't afford that and I needed some help. They told me I didn't qualify for the XXXX repayment options they have and I can't talk to collections about paying/payment plans unless I miss my payments and go in delinquency. I am trying to get ahead of this and they are unwilling to help. They won't even let me put all my loans together so I have XXXX separate payments coming out each month. 

I have tried handfuls of company to help me refinance ( XXXX, XXXX, XXXX XXXX, etc. ) and none are willing to help without a cosigner. What if I don't have access to a cosigner??? This is all incredibly frustrating and nobody is willing to help me whatsoever.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 

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

XXXX XXXX XX/XX/2018 XXXX, XXXX, and Experian RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXX XXXX XXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely lost as to how they got there. I check my report regularly, and its always been fine, but this time there were unexpected discrepancies. I even refreshed my browser, hoping it might just be a technical issue, but nothing changed. The errors stayed on my report. Im pleading for the documents Ive submitted to be reviewed carefully so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I filed an investigation on my credit report, which caused severe XXXX upon me, as I found inaccurate, incomplete, and questionable items that was not XXXX XXXX reporting accurately. I disputed the bridgecrest account with Transunion due to various inaccuracies and incompletions that were reported. After receiving a response that lacked the context that I requested. I called Transunion only to find that the creditor has now changed the permanently closed charge-off account status ( as of XX/XX/XXXX ) to open, and reported the date of last activity as XX/XX/XXXX! This creditor has also wiped the payment history reported. I fear the creditor is retaliating against my right to dispute and verify the account, and Transunion has not conducted a thorough investigation of this account and supports this illegal activity. This illegal reporting violation has caused a sudden XXXX point decrease in my credit score this month, as confirmed by a TransUnion rep on XX/XX/XXXX, this account should not have reported from the beginning, and the representative encouraged me to file a complaint for the deletion of this account, as no details that I requested in regards to the methods of the investigation was disclosed to me. Other reps refused to disclose what details were verified with the creditor. Transunion and the creditor has violated my rights in the other inaccurate ways ; inaccurate monthly payment amounts, inaccurate payment timelines, {$0.00} high balances, dates of last activity, account status. I have enclosed proofs of their inaccurate reporting as of the most recent credit files that I received via mail. I have also enclosed proofs of the recent fraudulent update that the creditor tried to report ; reflecting the now open status and wiped payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alert by XXXX XXXX that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.
Product: Debt collection

On XXXX XXXX I talked to XXXX XXXX at XXXX from XXXX Debt Recovery LLC DBA Genesis, collection agency representing XXXX XXXX XXXX regarding my liability on the amount owed in the account should be half of it ( {$5200.00} plus interest ) instead of the whole amount ( {$10000.00} plus interest ) since the lease contract was on my name along with my roommate, both being legally financial responsible ( see court documentation attached ). 
I filed a dispute with the credit bureau on the same day and their response were : verified information is accurate and balance reported is correctly ( see attachments ) I would like for this amount to be corrected on my credit report since legally Im financial responsible for half only. Thank you very much for your help with this matter. 
Sincerely, XXXX XXXX