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

I made a payment on my XXXXXXXX XXXX XXXX  from XXXX XXXX on XX/XX/XXXX. The due date was XX/XX/XXXX I was only about XXXX weeks past due and I made it a payment. 

The payment showed in my account as a posted successful payment. It said " Payment Thank you '' {$230.00} ( See attached screenshot ) On XX/XX/XXXX I received an alert from the credit bureau that I received a late payment from XXXX  credit card. Upon further looking into it, I was advised by XXXX XXXX  that the payment account was not good and payment was not successful in which I made another payment again on that same day. 

However, it is still reporting as 30 days late on my report when in fact I made a payment on XXXX. My XXXX  XXXX account showed the payment posted. And more than that, I do not have even one piece of communication from XXXX that there was any issues with my first payment. 


This is highly damaging to me and I think it is completely wrong, illegal, and unfair. How would I know there is a payment issue without any communication and when my account reflects a posted payment. Also they sent me a email on XXXX when I made the payment stating " Thank you we received your payment " and no no other communication after. 

I have credit cards for the past 8 years with big banks and I do not have a single late payment on my credit report other than this small XXXX XXXX XXXX  which I am new too. It is very said that they can not consider a customer for what it is and give me a chance to actually build a relationship and rather making me never want to use this ever again. 8 years with XXXX, XXXX XXXX, XXXX and more and not a single late payment. 

What's more sad is that I was actually responsible to make the payment before its 30 days late and they sent me confirmation it was received. The account transactions showed a successful payment posted and Noone sent me any any communication. It is wrong
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute through XXXX, XXXX, and XXXX  to receive physical verification of my original instrument of indebtedness via certified US mail on XX/XX/2018. I received an electronic response from XXXX   XX/XX/18 through my credit monitoring account that this account has been updated without sending me any physical verification. Credit Acceptance has placed erroneous late payments, an inaccurate account status, and an inaccurate loan balance on my XXXX  credit report. XXXX has asked me electronically " why I want to dispute this account '' electronically when I specifically told them I want all correspondence to be by US mail. The question also makes no sense as I already told them why I was disputing this in the letter that I sent : " According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract, or MPN with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please also remove all non-account holding inquiries over 30 days old. ''
Product: Debt or credit management

I received an email saying that I can receive an instant XXXX dollars for finishing up my sign up session. After I finished signing up, I waited to receive my XXXX dollars and when I didn't not I reached out to customer service and they gave me misleading information The fine print does not state any extra requirements for receiving this XXXX bonus other than finish signing up and I fulfilled that requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX credit bureaus XXXX, experian, XXXX about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681
Product: Checking or savings account

On XX/XX/XXXX charges yo my account where done without my authorization. These charges started increasing until I noticed them. These charges where performed overseas. My initial claim. Was denied. I then sent proof of my expired passport and work time sheets to prove these transactions was not done by me. Since chase claims they are indeed mine.
Product: Credit card

There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.
Product: Checking or savings account

XX/XX/2024 My virtual debit card number ending in XXXX was charged XXXX $ through XXXX XXXX that i did not authorize. I proceeded to file a dispute and notified the bank and had my dispute opened for two days, they proceeded to close the dispute with no information and will not explain why.
Product: Mortgage

My mortgage was transferred to a new servicer and the auto draft did not transfer, I have made the payment several times and their system is having problems processing, they have acknowledged that and assured me they would not be charging late charges or negative credit reporting. and this is their issue, I am calling them daily to get this resolved and now there is a negative report on my credit report
Product: Mortgage

I applied for a trial loan modification which I was approved for. I was instructed that I would need to make 3 trial payments and the modification would then become permanent. In the paperwork I was sent, the payments must be made in the month they are due or the trial would be terminated. I made the first payment on the XXXX of the first month without issue. I attempted to make the second payment on the XXXX of the second month and was told that the agreement had been terminated on the XXXX. I know for a fact that payments are accepted until the last day however I have been told there is nothing they can do and I will have to reapply for modification and hope my home doesnt go on sale before then. I would like BB & T to honor their word and reinstate my modification so I can resume making payments.
Product: Mortgage

Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer inges to privacy and confidentiality under 15 UC 1681 The accounts below have violated my rights 15 USC 1681 section 602A, States I have the night to privacy 15 USC Bar Section 004 A Section 2 : It also states a consumer reporting pency camot Sumish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may maka any consumer report containing any of the following items of information Any other adverse em of information, other than records of of convictions of crimes which antedates the report by moe than seven years 15 USC 1681-2 ( A ) ( a ) A person shall not furnish any information relating to a consumber to any consumer reporting agency if the person knows or has reasonable cause to believe that Information is inaccurate.

Delete the accounts bellow : 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: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  during the period of opened accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.
Product: Debt collection

Dear Portfolio Recovery Associates, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. 
Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail.

In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added.

2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt.

3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction.

Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested.

12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation.

15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report.

Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian knows that my dispute with XXXX XXXX  for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX  pushes the date back so that I would contact their debt collector, XXXX XXXX, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXX! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!
Product: Checking or savings account

What Happened : Bank of America account got closed with a balance of {$2500.00}. Multiple supervisors assured me during separate calls that I would receive an update on accessing my {$2500.00} within XXXX business days. The XXXX business day is Friday, XX/XX/year>, and I have not received any update via phone, email, or Online Banking, nor have I received the {$2500.00} owed to me. I relied on these repeated promises from supervisors to expect my funds or clear communication by today. Bank of Americas failure to follow through violates their own commitments and has left me without access to money Im entitled to.
Product: Checking or savings account

This was a case of Banking While XXXX I entered the Truist location on XXXX XXXX XXXX, XXXX Tx XXXX. I went to open an account for my business, however, the banking manager has different plans, he 1st asked for the documents for my business like normal, then upon review, he tells me my office is showing up on XXXX as a different business well this is because its a shared space, and any of those other business also have the right to list it as their principal address, however, this is where I pay a monthly lease to conduct business therefore its not some virtual space that doesnt exist. The Banker XXXX XXXX, refused to open the account at that moment, stating my address isnt valid without providing ( physically or verbally ) any published information stating this to be fact. He just told me if I dont want to open an account with truist then I dont have to Very rude, extremely combative, I work 50 % from home and 50 % in office. Even if this were the case where my business address cant be used to open the account, I should still be able to open the account using my home address. However, this option was never presented.This is illegal to not present all options and against their policy. I believe I was discriminated against simply because the XXXX of my XXXX. I filed a complaint with truist the complaint numbers are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized 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. 

I did not perform or authorize these inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit card

On nov. XXXX 2024 i was the victim of a car burglary. The criminals stole my phone and wallet and used them to access my bank of america XXXX account and also make purchases at an XXXX XXXX in downtown XXXX XXXX with my cards and drivers license. They were able to change my online banking password and transfer funds between my accounts. They also attempted to make multiple purchases with XXXX bank of america XXXX XXXX and XXXX bank of america debit card and ultimately were able to verify the purchase on a bank of america credit card using the cell phone they stole. The purchase amount was {$5900.00}. And when the bank sought to verify the purchase the criminals used the phone to authenticate it.
Product: Payday loan, title loan, personal loan, or advance loan

US BANK gave me a loan a few years ago for an RV they sent me a statement just this week with a balance of XXXX but on their web site it says i owe them more money and they offer no logical explanation, web site says XXXX and they are reflecting my payment for last month and that is not the difference.
Product: Credit reporting

I had contacted experian to remove a account from XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me. I have documentation from my XXXX account sign in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.