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

My account with 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 by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living. 

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 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 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.
Product: Mortgage

I entered into XXXX during XXXX - 18 Months. at the end I was told to start my regular payments on XX/XX/2021. I resumed making Payments I am in the time frame of 18 months to now move into deferral and my mortgage company is dragging their feet not to mention is now reporting that I have not made payments to credit bureau which is false reporting. They have dropped my XXXX credit score to below 500 due to their incorrect reporting. I have called 3 times a week to check on the paperwork which has not been completed only to be told it takes 30-60 Days, meanwhile I have made every mortgage payment for the past year on time. They are destroying my Credit.
Product: Debt collection

CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ). 
I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.
Product: Credit card

The attached documents warrant an investigation into accounts reporting late payments, despite my punctual payments.
Product: Student loan

Requested options to lower payment and was told no options available, no forgiveness and rates higher than my current rate.
Product: Credit reporting or other personal consumer reports

Harassment and Inaccurate Credit Reporting by XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding harassment and inaccurate reporting of an account I have no knowledge of. The details of the account are as follows : - **Company Name : XXXX XXXX XXXX XXXX XXXX  **Account Number : ** XXXX - **Account Type : ** Collection - **Balance : ** {$750.00} - **Date Opened : ** XX/XX/XXXXXXXX  - **Status : ** Collection account reported as past due {$750.00} as of XX/XX/XXXX. 

This account, linked to XXXX, has been reported to my credit file despite my having no awareness of its existence, no knowledge of the alleged equipment, and no associated transactions. My efforts to resolve this matter have been met with continued harassment and negligence by the company. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2**, it is unlawful for any company to furnish inaccurate or incomplete information to credit reporting agencies. Furthermore, the harassing communications from XXXX XXXX XXXX may constitute a violation of the **Fair Debt Collection Practices

Act ( FDCPA ) - 15 U.S.C. 1692d**, which prohibits abusive, deceptive, and unfair practices by debt collectors.

I respectfully request the following : 1. Immediate cessation of all harassing communications regarding this account.

2. An investigation into the legitimacy of this account, including validation of the debt.

3. Removal of this account from all credit reporting agencies if the claim is invalid. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My wife and I opened accounts ( checking and savings ) with Wells Fargo in XXXX. We eventually added credit card accounts, a business account and a business line of credit. Wells Fargo, for reasons unknown to us, closed all our accounts in XXXX of XXXX. To the best of our knowledge, these account were all in good standing from their creation to when they were closed. 

We have made several efforts to resolve this issues or at least get an explanation to why this action was taken, even suggesting to them that this may have been an issues of a mistaken identity. Our last complaint to Wells Fargo was in writing dated XX/XX/XXXX. We received an unsatisfactory response dated XX/XX/XXXX. 

We want an explanation as to why they closed our accounts. Copies of these correspondences are attached to this complaint.
Product: Credit card or prepaid card

I made a dispute with a charge with city and the process has been far from a process of arbitration. The merchant 's " evidence '' was nothing more than the receipt and the websites ToC. The merchant provided no proof that the service promised was provided. I have attempted to contact the merchant for a month as well as the subcontractor and am at a wits end at the lack of response from XXXX or XXXX. They appear to have little to no people manning their customer service lines which makes it hard to get any documentation other than the emails sent to them attempting to contact them which lead to run around responses that provide no resolution or help. I was not able to fly due to coronavirus COVID 19 epidemic and am just trying to get the original airfare back for a service I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letter out certified over 30 days ago and have not been notified. as a consumer I feel like this ignored, I feel like these clowns are taking advantage of normal people
Product: Checking or savings account

I have over {$2000.00} in my savings account with chase. The total amount should be {$2500.00}. I woke up one morning tried to withdraw my money and my accounts were closed. No notice was issued and no one could tell me why my accounts was closed. The money in my saving was for my rent the money I was behind. They have been giving me the run around being rude having me drive 1 hour to the bank for false hope and I cant take it anymore. Im going to lose my house if I cant get the money from my account to pay. I have not been able to buy food or put gas in my car all my money is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion by phone in XX/XX/2023, also XXXX XX/XX/2023 to remove incorrect names and addresses from off my consumer report and they stated they couldn't remove such information. On XX/XX/XXXX I sent TransUnion a letter requesting it to be removed and letting them know this information is inaccurate and doesn't belong to me and they have failed to respond. I also submitted an FTC report and attached it to this file.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX and I am disputing adverse credit information that was incurred as a result of my trafficking situation. Under the Debt Bondage Repair Act ( Public Law 117-159, Division W ), I have the right to have this information removed from my credit report. I have submitted a formal dispute to the credit bureaus ( [ list bureaus, e.g., XXXX, Equifax, XXXX ] ) but have not received an appropriate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were created or used without my consent under duress while I was under the control of traffickers. I am requesting the CFPBs assistance to ensure these items are removed promptly. I have attached supporting documentation, including proof of my initial dispute letter sent to the credit bureaus
Product: Debt collection

1 ) On XX/XX/XXXX, I filed a dispute with XXXX when I noticed that someone had opened up an account with XXXX using my information, in XX/XX/XXXX, and that XXXX XXXX XXXX was the agency doing the collections. The bill is for {$1500.00}. This has ruined my credit! 

This fraudulent account that was opened with my information was not even possible to have been made by me, because at that time, I was in the process of moving out of state, already had a phone through another carrier, and certainly did not need another. I did not have a XXXX account, nor did I open up one in XX/XX/XXXX. I did not make any purchases with XXXX, nor was I making any payments prior to XX/XX/XXXX, as I did not have any XXXX products. 

2 ) My husband and I suffered identity theft when XXXX, the national company that parents XXXX XXXX XXXX XXXX of XXXX, was the victim of a massive cyber attack. We were notified by XXXX that we were also victims of the attack, and that their " XXXX ''  company was going to monitor our credit. This was supposed to be a 24-month protection. ( I found out later that they had been lax in their service, and that there was no credit monitoring for about a year. ) 3 ) I've had identity theft problems some years before that with : a ) someone who had opened up a phone account in the state of XXXX with another carrier.  This took months to clear up. 
b ) someone who bought a dining set in my name. I was able to have this cleared up thanks to my bank. The perpetrator, a woman, was caught and put in jail. 

4 ) I received a report back from XXXX saying that the company declares the information to be accurate. The details they state on the report actually prove it could not have been me. 

5 ) I have read that I have the right to ask that this information be blocked from my file, and will be taking action for it to be blocked. 

6 ) I suggest a new way of doing business, because with all the cyber attacks going on, American people are being victimized right and left, with no real means of protecting themselves.
Product: Credit card or prepaid card

I opened an account with Comenity Capital BankXXXX in XX/XX/2022 and then later set up my online account and enrolled in paperless statements on XX/XX/2022. To date I have yet to receive my statements via email like I requested, and they haven't posted my statements on my online account. Now I'm in the process of buying a home and have no access to my most recent statement. I called the company to get an online statement or resolve my account issue and their only solution was to mail a paper copy of my statement to the address on file. I feel as though I have a right to receive my statements the way I signed up to receive them, and am now in jeopardy of losing the home due to their delay in posting my statements to my account. I should also mention that the account has now been open since XX/XX/XXXX and has yet to report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter stating i owned this company money, First time hearing from this company and about this debt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + National XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood to trade cryptocurrency, They restricted my account over XXXX  days ago and said it was for my safety and asked me to provide via their app, a photo selfie and my ID and bank information. I provided all the information and account still restricted and they keep pushing the day of resolving iin the app, it is impossible to get a hold of them Via phone call email or the app I need access to my funds. 
I did some research in the Internet and it looks like many people have the same problem I have around {$1500.00} locked in on their app and I am losing money as I couldnt enter a trade that was making me money
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Looks like my mortgage was turned over to a 3rd party, which I do not recognize. I do not have a contract with, but yet they continue to try and take my property. 

They returned a payment last month to look like I'm defaulting and asking for payment for this month. 

Looking at the document I provided you, they are not applying my payments property. And the fact NewRez is whom my mortgage is with tells me we have some criminal activity here and it needs to be investigated for fraud. 

ALL licenses of ALL parties are to be revoked to stop them from continuing this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are a lot of credit inquiries recently from XXXX to XXXX that I didnt authorize.
Product: Payday loan, title loan, or personal loan

XXXX XXXX at website XXXX XXXX XXXXXXXX gave me a loan that I paid off completely account # XXXX. After I paid off the loan I received a congratulations message 2 times from the company and they offered me 2 times more money and a new loan amount. I accepted the new loan and began sending in payments before the due date of XX/XX/XXXX for the new loan. I payed the 1st payment of XXXX in XX/XX/XXXX and suddenly they began sending messages that I owed them a payment and a late fee of XXXX by email all of a sudden. I showed them every email that stated XX/XX/XXXX was the payment due date for the 1st payment although I payed XXXX in advance of that date. I forwarded all the emails ever sent to me about all the dates and payments and receipts of payments to the consumer advocate on their website as well as XXXX to prove that I knew what I was talking about and that they are messy with their books. They reccommended that I call some number and speak with someone who claimed they waived the fee but she never admitted to the mistake. I told her I would email proof and go even further as to file a suit if necessary for them trying to mess with my credit score by denying me due process. She reassured me by phone but not by email which I found to be very suspicous because they add on fees which they magically construe without explanation and then lie about it until you prove that they can be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  a XXXX XXXX  credit card was fraudulently open and used in my name. I was not even aware of this card until XXXX or XXXX of XXXX  when applying for credit. I HAVE NOT opened this card Ive disputed with XXXX XXXX  as well as trans union. They do an investigation where basically they called XXXX XXXX  and XXXX XXXX  told them oh yeah this is verified as accurate. I have not been furnished any paperwork or documentation explaining why its verified as accurate or how its verified as accurate after asking several times several emails to both companies and sending two letters through the mail to XXXX bank as well. Ive still received nothing, Ive disputed multiple times they will change on the TransUnion. Theyll change a payment history on it but then the very next day they change it right back to what it was before theyll remove a comment from it that I never made a payment and then the next day theyll put it right back on there Because I get alerted every time theres a change on my credit report now because of this situation it is ruining my credit I have a 100 % payment history of anything Ive had credit on in the last seven years explain to me why I wouldnt pay one lousy {$1000.00} credit card off. This makes absolutely no sense and in my book its criminal what theyre doing
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX