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

My account with ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 ( 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 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 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

XXXX XXXX Date of Inquiry XXXX XXXX XXXX, and XXXX XXXX Date of Inquiry XXXX XXXX XXXX To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.
Product: Money transfer, virtual currency, or money service

In early XXXX of 2024, I ( XXXX XXXX XXXX, applied for a Personal Loan from XXXX XXXX. XXXX XXXX operates an invitation only 'apply to see if you're selected ' type of Personal Loans which have competitive interest rates.

I am a current XXXX XXXX credit card member, XXXX XXXX ( credit cards ), and XXXX XXXX Personal loans have the ability to share information with one another, making the process very simple and straightforward. I applied for {$17000.00} and was subsequently awarded said amount.

During the distribution process, I was asked to select an ( existing account ) where the funds should be distributed to. I selected the only account available an account ending in XXXX an account that unbeknownst to me, doesn't belong to me. At this point, I did not realize that my XXXX XXXX account had been compromised. 

Subsequently, all {$17000.00} from XXXX XXXX was distributed to this mystery account. I noticed the error in less than 24 hours, and contacted XXXX XXXX XXXX XXXX and explained the issue. They acted swiftly, and initially worked with me by zeroing out my payments, and contacting XXXX XXXX  ( where the mystery account is held ). They have been working on this issue since XX/XX/year>, and I have now received word that they are no longer willing to work on this issue, and that I am responsible for the entire amount due ( despite never receiving the funds ).

I have spent dozens of hours on the phone with XXXX XXXX personal loans, including their fraud department explaining this issue. I have been yelled at, screamed at, and, as of today, have lost their assistance in this matter despite calling XXXX XXXX  ( with XXXX XXXX on the phone ) and confirming I do not have any accounts with XXXX by using my, and my wife 's SSN. I have reported my account hacked, and compromised without avail. I need your assistance resolving this matter.

Please assist me resolve this critical issue. 

Thank you very much, - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mr.XXXX XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX  XXXX account # XXXXxxxxxxxxxxx opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX  XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit card

After I noticed that I was being charged an outrageous interest charge of 24.99 % on my XXXX XXXX XXXX Citi Card ending in XXXX, I paid off the balance due on the card by making a payment of {$1800.00} on XX/XX/XXXX  which left a balance of {$0.00}... 

As if the usurious 24.99 % interest rate being charged on the money I owed on this card wasn't enough of a disgrace for this thieving company, they fabricated a {$490.00} charge that I DID NOT OWE, applied a 24.99 % interest rate to this fictitious {$490.00} charge and showed that I owed these thieves {$10.00} for the {$490.00} that XXXX XXXX XXXX Citi Card fabricated. 

Not only is this company engaging in predatory lending practices by charging 24.99 % interest, but it is also engaging in outright fraud by fabricating fictitious charges after my card was paid off and applying their predatory 24.99 % interest rate to the fictitious charge.
Product: Debt collection

This complaint is for Rock Creek Capital , LLC, and XXXX  : XXXX XXXX XXXX XXXX XXXX. In XXXX I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called XXXX. The leased vehicle was returned to XXXX according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from XXXX XXXX, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. that there was any deficient balance or any balance owed. I do remember, even though this was almost 4 years ago, after I returned the vehicle, calling the leasing company to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with them that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost 4 years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX which complies with 15 U.S.C. 1692g, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Tx. XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX  is trying to comply with the federal statue but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, XXXX who later bought them out and is now also out of business. Since XXXX is out of business I have no way contacting them to get access to my customer account. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the one notice I received XXXX almost 4 years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint agains XXXX who is representing a company or a debt or both falsely, or that they simply do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX .... I called Experian about this matter and mailed in a dispute but Experian failed to make sure ACCURACY of this account was 100 % AND THE investigation wasn't fair
Product: Credit card

account was paid off company has no knowledge or information regarding this account but has a negative report on my credit
Product: Credit card

On the XX/XX/2022 some body used my card to purchased {$960.00} at home depot
Product: Credit reporting or other personal consumer reports

Hard inquiries not approved by me are damaging my credit. Remove them now.
Product: Checking or savings account

A series of charges was made to my Wells Fargo checking account dating as far back as XX/XX/year> that were not authorized to be debited from my account where my hard worked for funds were trusted to be held by WELLS FARGO bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXXXXXX XXXX Account Number : 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Paypal i do not understand what happend with your system. 
i already received the email for withdraw my money, But the problem was after i try with the agent to withdraw the money to my account, the system limited again the account. 
So i just made one change into the account and your system blocked me again. 


i just want you help me to fix the issue with my account. 
i already explaind to you what going up, at the time when i try to withdraw the fund. 

I hope you really try to help me becouse i feel really depress with this situation. 

i upload the document and screen shot about my account. 
my email addres is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my XXXX XXXX and it told me i had a collection i had never seen before from Connecticut. When i Disputed With Experian they told me that it came back as mine when i asked them to verify the information they refused and told me they did not have to dispute my case over again. 

please help
Product: Credit reporting or other personal consumer reports

XXXX credit keeps reporting my account and Good standing Trans Union will not update my balance to XXXX  every month have to file a dispute. I paid this account off and XX/XX/2023 XXXX XXXX, numerous of disputes and complaints and numerous receipts. Keep my balance to XXXX I have not used this card here or the receipts of my payments my account even I paid over I have a negative because I paid over on my credit card account heres proof Im tired of sending you proof over and over again and you guys keep putting my balance back to {$400.00} when it should just stay XXXX. 

And this is according to the late payments I have on this account accordance with the fair credit act XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a XXXX card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT
Product: Debt collection

In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.
Product: Credit reporting or other personal consumer reports

My information was exposed on Equifax and I am a victim of that
Product: Mortgage

I am asking and have asked Shellpoint before to remove late fees because they can not prove when the late payment was made. Shellpoint still has not checked the loan history for errors. I have found more errors and these need taken off. A prior loan service has tried to go in and make the number add up and they do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting these accouints XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute to XXXX, Equifax, and XXXX  on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I opened my mother`s estate, as she passed away on XX/XX/XXXX. I went to M & T Bank to obtain her checking/savings account information, spoke with a relationship banker & manager at the XXXX XXXX XXXX XXXX XXXX, DE. When she and the manager pulled my mother`s account they both advised me that there were XXXX checks that were fraudulently signed ( mother`s name forged ) totaling {$160000.00}. Therse checks were signed when my mother was on XXXX with XXXX XXXX XXXX. Both the manager and relationship banker advised me to go to the police and to XXXX XXXX ( the bank where the money was deposited ). On XX/XX/XXXX I returned to M & T Bank, per my attorney request to file a fraud claim. Speaking with the same representatives, they advised a claim should be filed, and they did, indicating it would take a week for a response. Less than 24 hours the same representative called to state " That they were unable to process the claim as the account was closed, the account closed due to the fraudulent activity that made her account balance XXXX. These checks should have been flagged/rejected, since the signature is not my mothers and does not match her signature on M & T Bank`s file , and my mother was the sole owner of the account. In addition, to it not being her signature, she never wrote checks that large of an amount and these checks were deposited using a mobile app. These actions should have alerted M & T Bank to flag these transactions. I have been to M & T Bank several times and have not been helped at all, I feel my issue is just ignored and they do not want to help. But I will not give up on trying to resolve this fraud activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been falsely furnishing my report stating that i have a bankruptcy on file.

I have documentation from the US BANKRUPTCY COURTS OF SOUTH FLORIDA stating I DO NOT HAVE AN ACCOUNT ON FILE NOR DO THEY FURNISH ANY DATA TO THE CREDIT BUREAUS OR THIRD PARTIES! REMOVE THIS FALSE INFORMATION IMMEDIATELY 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 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.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXXXXXX
Product: Student loan

I logged into my AES Success account, where my student loan is held, on approximately XX/XX/17 and noticed that my interest rate had gone up. I am on a variable rate plan but the company did not notify me of this rate change as they have in the past and I have no idea what my new payment amount is going to be, which is due to be automatically withdrawn from my account in three days ( XX/XX/17 ). I contacted the company to ask for a notification of the new payment terms and twice received the response that my rate is subject to change with the market rate quarterly, but still have no documentation of my repayment terms with my new payment amount. Under my loan payment details I can find a monthly payment amount for XXXX of the XXXX loans, which appears to be the same as my previous monthly payment amount, and the other XXXX has dashes where that amount should be. I sent a third request today, XX/XX/17, asking for details of my new repayment terms and new monthly payment amount and am awaiting the response, which is first come first serve so it could take days. I would like to be notified in advance the next time my repayment terms change as I just happened to notice the new interest rate after signing into my account, without any notification from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Identity theft there are fraudulent entries listed on my credit report. I have notified the credit bureaus and I've provided a police report, however the matter has not been addressed by Experian. 

Addresses to be removed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts to be removed : XXXX XXXX  / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TBOM H CARD can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge