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

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) 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 ( 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Lexis Nexis is reporting a bankruptcy on my credit report. XXXX  claims to have verified this information through Lexis Nexis. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX   or Lexis Nexis. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from Lexis Nexis that means their information is inconsistent and inaccurate as well. Lexis Nexis and  XXXX  are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
Product: Debt collection

This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements
Product: Credit card or prepaid card

I paid My Credit in full twice and they reported it to the credit company as paid in full. They then placed the account back on my account and double charging me for the count and I now have a high credit utilization for both of my accounts, mines and the one I paid off as a authorized user on my Husband account.
Product: Mortgage

On XX/XX/2020, I sold my house and used a Title Company ( XXXX XXXX XXXX in XXXX XXXX, TX ).  They sent a wire transfer of funds to Bank of America in the amount of {$64000.00}. Bank of America has confirmed that they received the wire transfer. My HELOC balance is about {$61000.00}. Yet they have not applied the wire transfer funds to the balance. I spoke with them last Thursday (XX/XX/20 ) and confirmed they got the funds on XX/XX/XXXX. The fed funds wire # is XXXX. I spent roughly 2 hours and 20 minutes on the phone with them today on hold or actually talking to reps in the loan Department ( XXXX ) and the wire transfer Dept. Both parties said they couldnt help me and blamed the other department. I need my HELOC paid off and closed. I am buying a condo in 7 days. I need the overage placed in my Bank of America checking account.
Product: Checking or savings account

Made two payments to XXXX XXXX by mistake on XXXX. I contacted Chase bank the next day and the merchant to let them know a payment was made by mistake as I also paid the merchants what I owed. I immediately called the bank and asked for a return of one of the payments which the merchant was aware of. A k told me funds would be back in my account within 3 business days. After 10 days the funds have not been deposited. I called chase bank theee times and each time they would tell me the funds would I. My account within 2-3 hours, again no return of funds. Called bank back again just run around and terminated call. XXXX Transaction just gone. Funds were returned to chase bank after two days but still not returned my funds into my account
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Im not understanding is why Ive had contact with XXXX several times regarding this account. XXXX XXXX XXXX {$690.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.
Product: Checking or savings account

PNC bank will not allow its customers to link their bank account with the XXXX  stock exchange app. therefore, not allowing myself to invest my money and will need to change banks.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question XXXX XXXXXXXX has been causing me significant stress and XXXX as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX, AMEX XXXX AMERICAN EXPRESS XXXX & AMEX XXXX
Product: Checking or savings account

Me and my husband deposited {$140.00} dollars in cash at a US bank formerly XXXX XXXX atm and the atm timed out. It did not give us our money bank nor did it credit us our money. We immediately called the bank to tell them what happened and were told it will take two days to fix. After two days there was still no money so we called again and were told 7 business days. That came and went and still no money. We called again and are now being told 10 business days. All their lines are recorded so youll be able to get proof of this. It feel like they are purposely pushing back the days and giving no explanation as to why our money is not being given to us. We have tried calling the dispute line they have and no one answers the phone your just on hold forever. We want our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on XXXX ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had one on XX/XX/2023 from a XXXX - XXXXXXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with XXXX and XXXX. So I am confused on how I keep getting hard credit pulls.
Product: Student loan

I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.
Product: Student loan

I am a cosigner for my daughters sallie=mae loan these people should be investigated when she graduated her interest rate went up to 10 percent from 4 percent plus they keep on changing the payment due date even when she was in forberance so they can collect a late fee. I am sure i am not the only one that they are ripping off these students.there practices are criminal worse than loan sharks please help me with this awful company they should be arrested Thank you
Product: Debt collection

I have received calls in the past and each time ask them verbally to not contact me via phone. I have recently received 3 phones calls in the past two months. Each time I have informed them to not contact me again. Today the lady was rude and wanted to argue with me in regards to the law of a verbal cease order. She told me that each time I have asked them to quit calling that they have noted the account? Somehow they didnt stop because I am still receiving calls. I informed her that I was filing a complaint this time because they are repeatedly ignoring my requests to not contact me via phone. The company is Portfolio Recovery and the number that contacted me today was XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan of XXXX dollars. Payments were XXXX a month, I had some medical problems and missed a couple payments now they want me to over XXXX dollars back This is over 900 % interest How is this possible, they are robbing seniors I am XXXX and can not make these payments being on fix income.
Product: Student loan

In XXXX of XXXX I suddenly started getting billing statements from University Accounting Services. This is in regard to a loan I took out from XXXX XXXX XXXX ( a now defunct company ) in XXXX. 

I had last paid on the account in XXXX of XXXX. I had heard nothing from XXXX XXXX XXXX or any of the subsequent owners or servicers of this debt until now in terms of debt collection. 

The attempts by University Accounting Service violate Minnesota debt collection law as the statute of limitations to collect on this loan was under Minnesota law 6 years from the date of last payment or XX/XX/XXXX as the last payment made by me on the account was on XX/XX/XXXX. 

During the near decade since they had last communicated with me, I have lived at the address I had in XXXX as well as two subsequent addresses including my current address that I have resided at for four years. These addresses are in three different counties within the State of Minnesota.
Product: Credit card or prepaid card

A credit card was fraudulently opened in my name on XX/XX/1999. I was XXXX years old. Chase bank issued a credit card to a XXXX year old. I discovered this when checking my credit score for the first time. Today, I received a text from Chase to reset something on the account. I have tried contacting Chase in EVERY way, and they will not respond to me. I have called every number listed on their website, and each one requires an account number to speak with anyone at all. I literally can not talk to the fraud department without an account number that I obviously do not have. I have tried reaching out to them on social media, and they have not responded. I would prefer that I don't have to go to a physical location during a pandemic. 
Chase has an obligation to let me notify them of fraud within their own business! It has been made clear to me that they will only speak to you if you are an existing customer, and they don't care if someone fraudulently opens an account because there is no way to talk to them about it.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Vehicle loan or lease

I have an account with Toyota Motor Account # XXXX, the payment status which is listed isn't accurate. I have reached out to Toyota Motor to question the payment history They sent me a letter which I attached saying that no late pays existed and no other mention about anything negative reported. I am unsure why I am still seeing negative comments listed on my credit profile ( see attached ).
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has transfer an account to XXXX XXXX XXXX XXXX XXXX after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I JUST RECEIVED COPY OF MY CREDIT REPORT AND I FOUND THIS FRAUD CHARGE CARD THAT WERE OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT. THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I SHOULD NOT BE RESPONSIBLE FOR SOMETHING I NEVER OPENED/ FRAUD ACCOUNT.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX the company reported my account as a late payment which is affecting my XXXX XXXX. During that time the company approved me into the program for hardship during XXXX. The company did not follow the XXXX act and still reported my account as past due. I called before and had told me they would remove due to it being incorrectly reported. The company refuse to remove the late payment stated they sent me letters saying I wasn't approved which is not accurate. i am asking them to comply with the XXXX act to have the late payment removed for XX/XX/XXXX.
Product: Credit card

AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run.
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> I was issued {$37000.00} to a Money Network Debit Card by the California EDD for unemployment benefits. After a few days I was told by the Money Network company that my account had been cancelled due to suspicion of Fraud. The remaining balance on the Money Network account was {$33000.00}. On XX/XX/year> I was issued a check for the balance of {$33000.00} from Money Network. When I finally received the check no financial institution, check cashing place or even my personal bank would cash or deposit this check due to suspicion of fraud. It's been 6 months and every time I contact Money Network they still won't tell me what happened to my money or how we can resolve the issue. The last time I called customer service they told me it was nothing they could do. So I'm now lost out of {$33000.00} and all I have is a bad check that was issued to me by Money Network. I hope this gets their attention so they can help me because for months they have done nothing.
Product: Debt collection

I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.