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 XXXXXXXX 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.

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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Discover ( XXXX ) is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a signed contract for the credit card account. Discover refuses to send me the request signed contract. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I will continue to document my efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to original case number XXXX. 

M & T guaranteed to remove the incorrect information from my report. I have the letter in which they indicated that they would update all credit bureaus in regards to fixing this issue. 

In XXXX of XXXX, my XXXX XXXX was totaled by a large truck on XXXX. XXXX deemed it as a total loss and paid off my car with the exception of about {$300.00} or so. I advised M & T that I was waiting on the GAP insurance to be processed, but because I kept getting threatening calls, I paid them off. Eventually they sent me the reimbursed amount in XXXX for about {$300.00}. The account was closed with a XXXX balance with a good standing. It was removed from all reports, but I received an alert from XXXX   that it was back on my report. My installment loan was for an account that is identified by the following XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two bankruptcy public records on my credit report that are incorrect. My name is misspelled on my credit report. My legal name is XXXX XXXX XXXX but the apostrophes arent listed on my credit report. Also, the bankruptcies were submitted without the apostrophes in my first and last name which is inaccurate. I want these two public records removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to Lexis Nexis after being quoted excessive premiums/denied for Auto Insurance coverage by several different auto insurance carriers while shopping around for a better rate. When I contacted Lexis Nexis, they informed me that I had entries or recent " auto insurance '' claims in the past 5 years with XXXX XXXX and XXXX XXXX XXXX totally > $ XXXX. After informing me of this information, I filed a dispute with Lexis Nexis to have these incorrect ( fraudulent ) entries removed. Lexis Nexis proceeded to investigate and based on their limited investigation, they returned to me a written response on XX/XX/XXXX stating that the entries were " accurate ''. When I reached out to XXXX XXXX to confirm Lexis Nexis investigation results and verify that XXXX did in fact report that I had an " active '' policy in XXXX when the claim was supposedly paid out by XXXX, they confirmed that I DID NOT have a policy with this company, which is what I informed Lexis Nexis. Same conclusion was determined when I reached out to XXXX XXXX regarding an " active '' policy in XXXX when that claim was supposedly paid out. XXXX XXXX confirmed that I DID NOT have an active auto insurance policy with them in XXXX. In addition, the vehicles involved in these auto accident claims, as provided by Lexis Nexis to me, have never belonged to me ; this was confirmed by the registration details within the State of Michigan. To date, I have NOT been successful at getting Lexis Nexis to remove these fraudulent entries. In addition, my concern is that Lexis Nexis is continuing to report fraudulent information to the public regarding my automobile insurance status because they refused to actually " investigate '' the information they have in their profile for me and that does not match the reporting entities ( XXXX and XXXX XXXX ) information. I informed Lexis Nexis at the time of my inquiry on XX/XX/XXXX that the only automobile insurance policy I had between XXXX and XXXX was XXXX and this was confirmed by Lexis Nexis at stated on my profile maintained by XXXXexis Nexis. Based on these facts, Lexis Nexis decision to continue to report this, fraudulent at worst/intentionally inaccurate at best, information is merely because they lack proper procedures/protocols within the Lexis Nexis organization to confirm the information they report BEFORE they report it and after a consumer complaint/dispute of incorrect/inaccurate information.
Product: Credit reporting

XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor
Product: Credit card or prepaid card

{$520.00} unauthorized charge from XXXX XXXX ( for the 3rd time ) appeared on cc XX/XX/XXXX, and was immediately disputed. Original charge ( {$500.00} ) disputed on XX/XX/XXXX and a 2nd one ( {$510.00} ) on XX/XX/XXXX. Both first and second charges finally resolved and a credit given. The third charge was disputed immediately, and I have worked over 50 hours to resolve with Citi Bank. I have mailed letters, spoken on the phone and worked tirelessly since XX/XX/XXXXtrying to get a permanent credit on this issue. No charge was authorized, no mdse received. I have had 56 separate touch-points with merchant and cc company to resolve ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminal background check has an address in Florida, I have never resided there and a felony conviction that was in 2010 has and continues to affect employment for me. I have been a law abiding citizen since. I need this looked into so that I can get better jobs in my future. Thank you in advance.
Product: Student loan

XXXX is the most recent loan servicer for our accounts ( 5 ) and took over in XX/XX/XXXX. Prior to that, since XXXX, we were serviced by XXXX, XXXX and XXXX. We have been making on time repayments with no problems until XXXX assumed the liability. We have bank statement proof that the payments are being made. XXXX is misapplying the funds and terrorizing me with threats of ruining my credit ... every month. They do not listen. Eventually they acknowledge the debt is current via email and the very next day the collection calls begin again. 

The problem is THEIR mismanagement of the payments being applied to the accounts. It was never a problem with the prior loan servicing companies. I can not tolerate being threatened every month by this hostile and overly aggressive company when I have BANK STATEMENT PROOF the accounts are being paid as agreed. 

Without YOUR intervention I will be forced to file a civil action to force them to stop. This is nothing short of financial XXXX and I will not tolerate it. 

XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Details Account # XXXX Accounts pull date XXXX XXXX 1st year XXXX 2nd year XXXX 3rd year XXXX 4th year XXXX 4th year
Product: Credit reporting or other personal consumer reports

I was going over my consumer report and saw a few hard inquiries that I did not recognize can we please have these removed this is fraud! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I refinanced some of my student loans with XXXX. They sent checks to all of the lenders that we are paying off. All of the checks were received and cashed by all of the lenders except ACS education loans. After realizing its been a month and they have not cashed the check I began to investigate this issue. I tried calling there customer service line which is impossible to get through to. It says my account number and social security number are not valid and wo n't let me call. If you do n't have either of these then you can not get through on the phone. So now I can not contact my loan company via the telephone so I try to email them from there automated emailing system on the website. I get a reply 6 days later that is completely inaccurate. They stated that my last payment wasXX/XX/XXXX for  {$150.00} when my last payment was actuallyXX/XX/XXXX for {$300.00}. XXXX sent them a check XX/XX/XXXX to pay off the remaining balance. So I attempt to call them again after I received a reply 6 days later. Still not able to access them via the phone because its claiming my account and social are not correct. So I do some research and find another number to call. This number accepts my social security number and I am able to select options to attempt to talk to someone about my issue. After selecting the correct options I was on hold for an hour. After ONE hour of waiting for someone to answer the representative answers the phone he notifies me that the system is down and they are not able to answer any questions or access my account. When I asked if there was another number to contact them he said there was not. And that there was no email to reach them other than the automated service on the website. I asked him what the policy if they received a check from a lender and he said it would be cashed within 7-10 business days. I just would like to be able to contact someone that I am giving THOUSANDS of dollars to. It is impossible to get ahold of them and I do n't know if they received a check or not. Also, my account is still open and accruing interest so I can not make payments towards it if they are going to cash a check for the full amount. But once the account goes past due then I am going to be responsible for these fees. I also started to look up the company and found hundreds of people in worse situations with this company. It seems like this may be a trend that this company is XXXX people over to get as much money as they can while making it virtually impossible to get ahold of. Who do we have to protect us and help us out when this is happening? Some of these people are spending every dollar they make to make payments to this company and we ca n't even get an answer or response from them. Then they can report us to credit agencies and ruin our credit. This company needs to be investigated and we need advocacy when this is occurring. Who do we turn to when this company bullies us for our money and it is not fair?
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXXEquifax Information Services XXXX XXXX XXXX XXXX, GA XXXX whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 
15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes.Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies.Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Checking or savings account

This noon ( around XXXX PT ) on XX/XX/2023, I was trying to deposit a check with joint recipients ( my wife 's and my names ) to my Bank of America XXXX at XXXX XXXX XXXX. XXXX, XXXX, WA XXXX ) checking account since we do not have a joint account. And a staff whose name is XXXX XXXX refused our deposit request and the person told us it's an exception and told us it's risky to take our check. I feel I was discriminated as my request is pretty normal per this article from you : https : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I had went in to the Wells Fargo Bank in had put a check in my account and 2 days later the bank takes the check in say we sorry the check was not real. Did not give me the check back or anything. {$4000.00} Dollars from a business.
Product: Credit reporting or other personal consumer reports

I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( Experian, XXXX, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : 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 XXXXXXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.
Product: Checking or savings account

To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.
Product: Debt collection

I live in XXXX XXXX XXXX  for a short period of time. The unit I had was infested with bugs. Myself along with the property manager agreed that it was best for me to move out. The property manager at the time waived all fees. They said I was good to go because I had a guarantor called XXXX XXXX where I paid a double deposit. They have now sent this balance to a collection agency that threatened to sue me for a balance thats older than three years old. I want this balance closed out and this collection removed from my credit report. This balance has prevented me from being able to get an apartment or purchase a house. This company is now illegally threatening to sue me when I can not be sued because I am a nc resident. XXXX XXXX needs to remove these charges because they agreed to allow me to break the lease. XXXX made an agreement and this should be waived I dont owe anything the unit was not livable.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Demand for Immediate Account Removal FCRA Violation To Whom It May Concern, I am formally demanding that you cease all reporting and collection activities regarding the account listed below and immediately remove it from all credit bureaus under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 
Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Reporting : XXXX XXXX XXXX, XXXX XXXX : Derogatory/Closed FCRA Violations & Demand for Deletion Upon reviewing my credit report, I have identified inaccuracies and misrepresentations regarding this account, including : 1. Inconsistent Reporting The payment status, high credit, and comments are not accurately reported across bureaus. 
2. Resolution Not Reflected The account is marked as paid by dealer or credit grantor paid by company, indicating I am not liable, yet it remains derogatory.

3. Dispute Not Properly Investigated Under 15 U.S.C. 1681i ( a ) ( 1 ), you were required to conduct a reasonable reinvestigation of this account, which appears not to have been done adequately.

Under 15 U.S.C. 1681s-2 ( b ), you are required to only report information that is accurate and verifiable. Since this account contains factual errors and does not reflect my liability, you are in direct violation of federal law.

Cease and Desist Order Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately : Cease all collection activities, including calls, letters, and third-party transfers. 
Remove this account from XXXX, XXXX, and XXXX within 5 business days. 
Provide written confirmation of deletion. 

Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Potential legal action for violations of the FCRA and FDCPA, including monetary damages under 15 U.S.C. 1681n and 15 U.S.C. 1692k. 

This is your final notice. If this account is not removed, I will escalate accordingly.
Product: Mortgage

My loan was sold from XXXX to NewRez LLC and i had no idea until XXXX notified me on XX/XX/2019 that my loan was sold starting XX/XX/2019. All the letter said was send money to address in XXXX and new customer service is in XXXX SC. It is now XXXX XXXX and I have got no notice from NewRez or bill or account number. I am very upset I should have been given ample notice in case I wanted to switch companies myself but also no contract no info what happened with my loan. I demand a statement including all info of my loan with this new company. I have read horrible reviews and do not want my credit ruined!!! 
i want to complain about XXXX where they kept saying I needed more money in my escrow yet my taxes did not go up or home owners insurance, they always gave me the run around saying I was short. Now all of a sudden my mortgage is sold and no notification yet they sent me about {$400.00} refund from escrow. The exclamation of my escrow report, what I have etc. I feel they are shady and just kept taking my money and now they sold I got half of it back?