23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!
Product: Credit card or prepaid card

Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.
Product: Credit reporting or other personal consumer reports

My account with 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I ordered an item on XX/XX/2021 for {$42.00} on XXXX from a third party seller known as XXXX XXXX XXXX. Order # XXXX. The seller claimed to have shipped the item which I did not receive. I spoke with an agent from XXXX who stated the address that the item was shipped to was not my home address. XXXX did not disclose the address due to company policy. I then spoke with XXXX who stated the address showing on their end was my home address. They then contacted the seller, the seller responded they would update me with the correct tracking number. I have yet to receive anything. I spoke with a supervisor at XXXX by the name of XXXX who was very rude and dismissive. I told her they should remove this fraudulent seller. She proceeded to disconnect the phone call during mid conversation. I called back and spoke with another XXXX customer service agent who was also very rude and condescending. He stated that XXXX wrote in the notes she disconnected the phone call due to expletives being used. I would like to have those phone calls pulled and assessed. I am requesting corrective actions taken to reprimand XXXX for lying. I would like the seller to be investigated and removed for fraud. I am also requesting an investigation or case created to handle both agents, XXXX the supervisor and the agent who i spoke with after her at XXXX for customer service abuse.
Product: Credit reporting or other personal consumer reports

XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the one off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

On XX/XX/XXXX, I received a notice from my mortgage lender ( First Bank XXXX ) that they were having problems getting proof of insurance and that there was a lapse in coverage. So I reached out to my insurance agent to see what was going on and was told that my insurance agency had sent out a premium notice in XXXX to First Bank. They also sent out another notice on XX/XX/XXXX letting First Bank know that the policy was at risk of being cancelled. My insurance agent then stated that he would send everything over to First Bank again to get it resolved. 

On XX/XX/XXXX, the insurance agency I was using cancelled my policy for non payment. So I worked with my agent to open another policy with a different agency. Because of the notifications there was a three week gap were there was no insurance on the dwelling. 

In XXXX, I received a notification that I was being charged an additional premium to pay for an insurance company that the mortgage lender decided to use. So, I reached out to the lender and they claimed that they never received the correspondence from the insurance company. When I gave the individual the information on the letters they claimed that the mailing address was wrong and that was why they hadn't received notices. After talking to my insurance agent, and verifying previous communication with First Bank over multiple years, it was determined that address had been since the first insurance policy had been enacted with First Bank. There was never a reported communication issue with First Bank to either myself or my insurance company. Also, according to my insurance agent the payments that are received are also from the same address that the premium notices were mailed too. 

When I tried to get into the details on why previous bills were paid using that address over multiple years the agent hung up on me. 

So my insurance agent is showing me where, not only this years bills were sent to First Bank, but where multiple years had been sent using the same address. First Bank has made those payments over the years without a problem and without notifying me that the addresses were wrong, but now I am having to pay for the non payment by my lender from an escrow account that they manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuously reporting erroneous information on my credit report, which I have notified them of these errors which they have NO permissible purpose via my handwritten consent to report this account. Their actions show complete negligence & non-compliance in this matter. I also have proof from the original creditor, that I do not owe anything on the account at all, therefore because this has been injuring my financial credit worthiness, I'd like the account to show/reflect as paid in full & paid as agreed. As well as the invoice to be paid.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan to remodel my home for {$35000.00}. They asked for bank statements to verify my employment and I provided three months clearly documenting my payroll. I make over {$300000.00} per year and have a FICO score of XXXX so I thought I would be easily approved. 

They said that my bank statements were not acceptable since the payroll goes to a trust account like many people in my position being over XXXX. So they asked me to send our 2019 tax return, which I did. After some time I followed up and they reviewed my tax return and then asked for my bank statements which I reminded them that the already had. 

They denied my loan because they were " Unable to verify Income. '' " Documentation you provided is incomplete/unacceptable. '' That's unbelievable. 
They wasted my time and I truly believe they were Phishing for data on me and my family for resale purposes and never were serious with the offer. 

Please help, XXXX XXXX
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 Name : XXXX/XXXX  XXXX  Account # : XXXX Account Name : XXXX/XXXX  Account # : XXXX Account Name : XXXX/XXXX  XXXX  Account # : XXXX Account Name : XXXX/XXXX  Account # : XXXX Account Name : XXXX  XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account # : XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

I looked at my Transunion report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I recently sent a letter to the credit bureau requesting to validate inaccurate accounts reporting to my credit on XX/XX/2024 since then I have not received anything. This is impacting me in my life from being able to move forward.
Product: Debt collection

In XX/XX/XXXX, I open an account with XXXX XXXX a light company. In XX/XX/XXXX i was aware that my contract was over, so i switch light company because to my knowledge I was done with them, and i need something to cheaper. My husband and i were working at the time, my husband was just going to start his new job. So anyways after i switch light company thinking my contract was over. I never got a called, nor a later from them ever again. But now is XX/XX/XXXX and the last week of XXXX i received a called from Credit Management control company. Saying that i owe money, but i wasnt sure if it was my account because this had my old last name. The rep said she would look into and call me back, but i NEVER got a called back. Just recently i notice the put this on my credit as a collection, so as soon as i saw that i gave them a called. Ive spoke to a rep, that was completely rude after i ask if i get a deletion letter if i paid them off. Which if is my account Ill take full responsibility and pay for it, but i NEED this delete it off my credit. I ask to speak to a manager, same thing he was rude and disrespectful. Would not help ONE bit.. i called again and same thing spoke to a supervisor and again he was rude and even threaten to hang up on me. Was giving me false information that is up to the credit bureaus to delete this account after i pay it, which is a lie. I know is up to them to delete it, because they are the ones reporting. This company is very unfair and treats people very rudely. Ill take full responsibility and pay for the account if is mines. But all i ask if for them to get deleted of my credit. The way the spoke to me was very wrong. It can really mess with someones mental health, the way the abuse their power is very wrong, and it should not be permitted for a company to talk to anyone the way this company does.. and another thing they said they have send me letters so i can know about this matter and is a lie because even if they send it to my old address, i have not gottten anything because i had all my mail forward to my new address and i get everything else to my new adress BUT this. How come? Because they have send me anything. They just lie.. its not fair to us..
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I noticed numerous accounts that are being reported with inaccurate information that is damaging my credibility. The accounts are as follows : XXXX Account # XXXX this account was opened XX/XX/year> and is reported as 30 days late, but showing on time payment history. 
XXXXXXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX Account # : XXXX this XXXX Date Opened, No.of months ( terms ), date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX Account # XXXX the account status is PAID, and should not be reporting as a collection XXXX. XXXX XXXX XXXX Account # XXXX this accounts No.of months ( terms ), date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this accounts Date Opened, last reported, and l date last active,, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX this XXXX XXXX Opened, high credit limit, last reported, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account XXXX XXXX XXXX this accounts Date Opened, and l date last active, are reported with different information to all XXXX credit reporting companies and has missing information XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date XXXX active, XXXX reported and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all XXXX credit reporting companies.
Product: Checking or savings account

For background this is regarding a XXXX XXXX XXXX checking account, we mailed check number XXXX to XXXX XXXX XXXX in XXXX, XXXX  for {$3000.00}. This check was mailed from inside the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. When the statement arrived in mid XXXX, XXXX  it showed the check cleared for that amount. 

On XX/XX/year> XXXX XXXX notified us that they had not received payment ; at that point we reviewed the statement which showed the check had cleared ; however, when we pulled the check image to send to XXXX XXXX we discovered for the first time that the check had been altered. At that time I called BMO and notified them of the fraud. They put a hold on the account and gave us additional instructions including to come into the branch to file an affidavit of fraud which we did. 

When we filed that affidavit with the branch on XX/XX/XXXX, they stated that we would be contacted after an investigation regarding the next steps of having the stolen funds redeposited into our account. 

After several weeks of not hearing from the back we contacted XXXX at the branch and she indicated that we should have received a letter from BMO denying our claim. We never received that letter and finally after multiple attempts to contact the bank, XXXX finally forwarded us a copy of the denial letter via email on XX/XX/XXXX. 

There are several issues with the letter. First it indicates that we did not take reasonable care in examining the statement. I do not believe you have taken into account the circumstances where the fraudulently modified check was the same amount as the original check but the payee was altered, this should have been taken into account because it is a frequent structuring tactic to prevent the transaction from being flagged by a customer. Second you state we did not notify BMO in a reasonable time which you define as 30 days ; however according to the XXXX  adopted Uniform Commercial Code ( UCC ) 4-406, you must report any unauthorized alterations or signatures on your bank account within one year of the statement or items being made available ; not 30 days that BMO says we have to report the fraud. Finally, the letter states that " in addition, prior counterfeit checks have been processed on the account in the past. '' This is not accurate. We have never had any fraudulent activity in the 17 years the XXXX has banked with BMO or its predecessor ( Bank of the West ). 

I dont understand why BMO has not recovered the funds from XXXX XXXX XXXX who appears to have accepted the fraudulent check.
Product: Credit reporting or other personal consumer reports

I have tried contacting this company several times through mail and see CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE INCORRECT NUMBERS BACK ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ... HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Attn : This is a new complaint, please do not discard as a duplicate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Equifax Dispute Department Subject : Formal Dispute and Request for Rectification Dear Equifax Dispute Department, I, XXXX XXXX, am writing to bring to your attention a critical matter regarding my credit report that requires immediate resolution. 

I vehemently dispute the presence of a XXXX XXXXXXXX XXXX XXXX account ( # XXXX ) on my credit report, opened on XXXX, last reported on XXXX, and charged off on XXXX with a balance of {$4800.00}. I want to clarify that I have neither authorized nor been associated with any business card from XXXX XXXX. It has come to my attention that this account may be inaccurately linked to my name, as I have never sanctioned such a joint credit arrangement.

Moreover, I am filing a formal complaint regarding the potential discriminatory and XXXX impact on my credit score by Equifax. Despite a commendable historical loan history, including payments exceeding {$100000.00} over a decade and maintaining nine open seasoned accounts with impeccable payment records, my credit score remains lower than justified. I request a thorough investigation into this matter to rectify any systematic biases affecting my credit score. 

Furthermore, I demand the immediate removal of hard inquiries made by XXXX XXXX. I find it unacceptable for a creditor, which I did not authorize, to access my personal information and credit profile. I have filed an FTC complaint ( # XXXX ) to address this issue, understanding that Equifax should recognize the significance of such government complaints in safeguarding consumer rights. 

As a consumer, I expect Equifax to honor my rights by expeditiously removing these inaccuracies from my credit report and protecting my standing. I trust that you will undertake a comprehensive investigation and take swift action to address these concerns. 

Sincerely, XXXX XXXX XXXX XXXX
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 
The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I als
o have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.