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  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 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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Product: Credit 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 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this document because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
BRIDGECREST XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I attempted to deposit {$1200.00} ( wedding gifts ) into a Truist ATM XXXX XXXXXXXX. The ATM displayed an error message and did not deposit or return the cash. It gave me a receipt and requested that I submit a claim, which I did immediately. After a month the claim was denied and no information was provided as to why. I was informed to submit another claim which the claim itself is under investigation. No information as to when this will be resolved or why it is under investigation in the first place has been provided.
Product: Credit card or prepaid card

I had been receiving promotional letters by mail and email from Citi Bank for about 2 months. Promotion term were to switch or apply for a new Citi AA Advantage card spend XXXX $ or more to get the benefits and bonuses. I had a different Citi credit card already. Finally in XX/XX/2021, I decided to call Citi agent to find more about the offer. During the conversation I asked and clarified that if I SWITCH from old Citi card to new Citi AA Advantage card then I will receive promo bonus miles in amount of XXXX for spending qualified amount of money plus 1 year free from membership fee which was XXXX $ and XXXX $ for another qualified spending and she said YES to everything. I met the requirement in 1 month and after 90 days I did not get any bonus miles but instead they charged me XXXX $ membership fee. I called them to complain about the charge and missing bonus miles to what they did is they refunded XXXX $ fee and said that I did not qualify for bonus miles because according to promo terms I had to be a new customer. I escalated the case to executive office manager who called me twice and I requested the phone conversations with agent happened in XX/XX/2021 to be mailed to me as a proof. Last time she called to inform that she listened to my recorded conversation with agent in XX/XX/2021 and that during the conversation we talked about everything except bonus miles which is total lie, we spoke about every single promo detail. I insisted on getting my bonus miles for the last time over the phone but unfortunately they declined my kind requests. 
It is absolutely insane how they can treat their valued customers but I bet we are just numbers for them. They did not honor their own promises, advertisements and guarantees. 
Please be aware. 

PS : When I called Citi Bank for the third time about my bonus miles they switched me to XXXX XXXX line and when I explained the situation to XXXX agent she shockingly replied saying Citi did awfully wrong for pushing the responsibility for bonus miles to them. They did not provide me with my phone conversation with a Citi agent that happened in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2 . 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Product: Credit card

I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.
Product: Bank account or service

As of XXXX XXXX, I have not been able to pay on this Wells Fargo Acct # XXXX, the interest and late fees, just keep adding up, I would make weekly payments and it did not put a dent in this acct., I have tried to consolidate with Wells Fargo XXXX and was denied, I went with another Consolidation Company who has helped me consolidate my accts and have all been paid off including another W.F. acct .witch has been paid off, this W.F. acct is the only XXXX holding me back to start a better future, attached I have a statement that shows all the late fees and interest, what the problem is, that W.F. will not work with my consolidation company because on XXXX XXXX, XXXX they took a payment of {$960.00} from my daughters account, witch they have returned to us after I made a complaint with your bureau, when they took the money they said it made my account courant, but now no one knows how to adjust this problem to make my acct. past due since the money was returned to me, this has caused me a lot of stress because this is something I can not pay on my own, I am asking that you please help me to help them resolve this problem and work with me and the consolidation company, every time we call, they have been rude and say they do not know how to resolve this problem, if they would have never taken that money they would have excepted the payoff, I hope you can help me with this matter.
Product: Debt collection

Repeated calls, also calls to my parents. 
On the weekends calls at XXXX. As late as XXXX. Non stop, when I return calls they either dont answer or threaten, with garnishing wages. 
They immediately demand my SSN # and banking information. Never identify themselves until I ask numerous times. Its a debt collection services, Theyve put negative remarks on my score before speaking with me. Harassment and invasion on privacy.
Product: Debt collection

Dear CFPB Complaint Department, I am writing to formally request your assistance in removing an inaccurate collection account reported on my Experian credit report. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$16000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$16000.00} ( Updated XX/XX/XXXX ) I believe this account has been reported inaccurately or is unverifiable for the following reasons : 1. I have no knowledge of this account or its association with me. The balance or status information is incorrect, or the reporting violates the Fair Credit Reporting Act. ) 2. Lack of Verification : Despite disputing this account with Experian, XXXX, XXXX no satisfactory evidence has been provided to validate its accuracy or legitimacy. 

I have made every effort to resolve this matter directly with Experian and the creditor but have been unsuccessful in achieving a resolution. This unresolved issue is negatively affecting my credit score and causing financial hardship. 

I kindly request that the CFPB investigate this matter and work with Experian and the reporting creditor to : Verify the accuracy and legitimacy of this account, OR Remove the account from my credit report if it can not be verified. 

Please find attached the following documents to support my claim : 1. A copy of my credit report showing the account details.

2. Copies of dispute letters and responses ( if applicable ).

3. Any additional evidence to support my claim.

Thank you for your attention to this matter. I trust that you will investigate this issue thoroughly and assist me in ensuring the information on my credit report is accurate and fair. Please feel free to contact me at the phone number or email address
Product: Credit card or prepaid card

unsolicited calls on my cell phone that I did not sign up for as I am on the National do not call registry. Many times a week
Product: Debt collection

I have been receiving daily phone calls from multiple different CBE phone numbers as I have called the numbers back. I have blocked several numbers already, but they keep changing which number they are calling from. They call and do not leave a voicemail. 

I know that there are no debt collections against me. Yesterday I pulled my credit report and nothing is listed. In addition, I know a debt collector is required to send a letter regarding the debt collection and I have not received any. I have no problem correcting a misdirected debt collection as I called a collector who sent such a year ago for the former owner of my house. I called and provided the corrected information. 

My complaint and reluctance to work with this collector is they do not leave a voicemail. That is slimy to say the least. Typically a collector will leave a voicemail with reference info to call back. As such, it is difficult to discern if this is a scam. I am reluctant to call back and possibly get suckered into a scam.
Product: Bank account or service

Pnc bank did not utilize my overdraft protection when a check that I wrote to my daycare posted to my account on XXXX/XXXX/16. Even though I had enough in my overdraft account the check was returned. I was charged {$36.00} by PNC for NSF. I had to pay {$35.00} to my daycares bank for the check being returned and {$13.00} to my daycare because they also have a return check fee. PNC only refunded the {$36.00} that they charged me. I requested the additional fees be refunded but they never paid me back for the {$35.00} and {$13.00} fees. I am attaching statements for my checking account and overdraft account. The last page will show my daily balance on XXXX/XXXX/16 which will prove there was enough money to pay that check. The {$35.00} and {$13.00} were both processed as checks so pnc should be able to view and verify that I was charged those additional fees. I am confident that this was a banking error and need help getting a refund for these additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact 1st Citizens Bank. I contacted 1st Citizens Bank and they also stated they never attempted to pull my XXXX credit report. 

Either CIT Bank and / or 1st Citizens Bank are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or 1st Citizens Bank and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX According to the IRS, This XXXXXXXX XXXX  credit card is canceled, forgiven or discharged and it is taxable income to me, they refused to send me Form 1099-C, " Cancellation of Debt, '' for this debt that was withdrawn and written off, This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced and PHH Mortgage purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. PHH asked me to mail in something to place me on autopay, which I did and my autopay started. PHH mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with PHH Mortgage. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX XXXX to the XXXX XXXX. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that PHH mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XX/XX/XXXXWITH PHH!!!!!!!!! On XX/XX/XXXX, I called PHH AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX. After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), as I am a victim of a recent XXXX XXXX 
Below are the accounts and inquiries I request to be deleted and blocked : Accounts : XXXXXXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm reaching out to you all about an account that is showing on my report but is not mine. I thought it would be some error that could be fixed so I called XXXX XXXX and spoke with a lady name XXXX. She ask for all my information including my social and was not able to find any type of account for me in their system. XXXX advised my to send in a letter to their disputes department. I received a letter from XXXX XXXX the other day and they are pretty much saying the same the same thing XXXX said and they were unable to find an account but is asking for my zip code of my address which I included in the letter and its even on the return address on the envelope. They received my letter because they responded to my in writing. The post office is not going deliver mail if its not a complete address. Please have XXXX XXXX removed from my credit report immediately. I have attached the letter received from XXXX XXXX and I have also attached the exact documents to verify myself that I sent to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX EXPERIAN FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX I have attached a copy of my SSN card , Valid IDs , and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX or XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Experian. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX