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 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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and Corelogic not verifying the information that they are selling to people
Product: Checking or savings account

On XX/XX/2019, I called usaa customer service line at XXXX. I specifically told Them, I want to close my checking account cause XXXX XXXX has compromised the integrity of my accounts at Usaa. I said close my account now. 4 times they transferred the call and hung up. They refused to close it. I wasnt it closed now.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JP Morgan Chase Bank Re : Civil theft from XXXX XXXX XXXX  XXXX Dear Sir or Madam I am XXXX XXXX and I am the owner of XXXX XXXX XXXX and this message is regarding your theft and/or defalcation of the sum of {$50000.00}. The events leading to this theft and/or defalcation are as follows. 
On XX/XX/XXXX, XXXX XXXX Materials XXXX opened Chase account # XXXX. On XX/XX/XXXX, XXXX empire Materials deposited XXXX  XXXX XXXX Cashiers check no. XXXX, in the amount of {$50000.00}, into the account. 
I have enclosed the copies of the companys registration certificate, the Chase depository certificate, the XXXX  XXXX XXXX Cashier 's Check, and the receipt for the deposit. 
For the XXXX months since the deposit was made, you have denied my access to my money. Chase representatives offered up a variety of vague justifications during that time as to why they refused to release the funds to me. These justifications are completely lacking in substance or merit and are purely pretextual in nature. Chase representatives have attempted to suggest that the check is somehow fraudulent ; in XXXX phone call, a representative of XXXX  XXXX XXXX was brought on the line and specifically verified to the Chase representative that the XXXX  XXXX XXXX Cashiers Check was authentic and legitimate, yet Chase representatives thereafter made more excuses and continued to block me from accessing my funds. 
Due to the lack of evidence of fraud, and the continued pretexts made by Chase representatives, your failure to release the money appears to be intentional and potentially criminal theft of my {$50000.00}. 
Sincerely, XXXX XXXX.
Product: Mortgage

TWO ESCROW CHECKS CASHED AND I MADE POLICE REPORT XXXX NOW YESTERDAY ON AN CALL WITH XXXX XX/XX/XXXX AT XXXX XXXX MINUTES SPOKE TO THEIR IDENTITY THEFT FRAUD DEPARTMENT CLAIMS XXXX HE CONDUCTED IDENTITY THEFT CLAIM AND ASSIGNED CLAIM NO. XXXX. FIRST AMERICAN TITLE COMPANY AND XXXX ALONG WITH ALL PARTIES PLEASE STEP UP AND PAYOUT THESE CLAIMS AS YOU HAVE STOOD ON FRAUD 20 YEARS AND MY MORTGAGE ACCOUNT PROPERTY WERE STOLEN BY AN FAKE SSN NUMBERS XXXX AND XXXX WHICH IS PAID UP IN FULL TO XXXX  XX/XX/XXXX FOR XXXX AND XXXX XXXX XXXX XXXX XXXX ATTACH LOAN NO. XXXX TO MY LOAN AT XXXX  TO XXXX XXXX XXXX  AND ARE TOLD ALL OF MY 20 YEARS OF MISSING SSI AND 15 YEARS OF UIA BENEFITS ARE WHERE XXXX XXXX PUT TWO CHECKS INTO THAT XXXX XXXX XXXX ACCOUNT IN XXXX, AZ SAME AS XXXX XXXX MOVED HER OFFICE TO A YEAR AGO AND HE WERE FOUND TO BE USING MY LAST NAME AS XXXX XXXX. HE STOLEN MY IDENTITY AT XXXX XXXX XXXX MY PROPERTY AND WERE SUCCESSFUL FILING TO CLAIMS WITH XXXX XXXX FOR XXXX EACH XXXX AND XXXX LEGALLY FILED WITHOUT AN ANSWER. ON OR AROUND XX/XX/XXXX SPOKE TO XXXX  XXXX XXXX INTERNAL AFFAIRS FRAUD INVESTIGATION  XXXX AND HE SAID FOR THE 15 YEARS YOU HAVE NOT BEEN ABLE TO GET YOUR UIA BENEFITS HOW MUCH WOULD YOU SAY YOUR CASE IS WORTH AND I SAID XXXX AND HE SAID XXXX IT WILL BE AND I AM PUTTING IT IN THE SYSTEM. HE DID SO BECAUSE ON MY NEXT 10 CALLS TO XXXX  THEY CONFIRM THAT THEY COULD SEE IT IN THE SYTEM POSTED.
Product: Checking or savings account

As of XX/XX/XXXX, Im still being charge XXXX  dollars for a XXXX  dollars charge over the limit. If you go back into my accounts which I had 3 different bank account because of fraud, I was paying as much as XXXX  dollars in over draft fees. I have total my over draft fees in 1 year I have paid Bank of America about XXXX  thousand dollars in just fees. The answer that they gave me was to OPEN A NEW ACCOUNT AND PAY OLD ACCOUNT OFF, but I have 3 different police reports of identity theft and I have a affidavit from the gov
Product: Checking or savings account

Capital One has failed to deposit my money which has caused detrimental issues for me. Due to this I am unable to satisfy court ordered and personally made payment agreements. I have seen people complain about not being able to buy food and or medicine and it is in the middle of the winter. Capital one never offered any resolving plan and continuously patronized their customers. I have never had an issue with this bank but after this situation I am reconsidering the relationshop
Product: Debt collection

I would like to receive validation of the debt, Portfolio Recovery is seeking to collect from me. 
I'm asked if Portfolio Recovery, could provide the proper documentation in accordance with Section 809- Violating Debts of the Fair Credit Collection Practices Act. 

Portfolio Recovery Account # XXXX Balance : {$1400.00} Open Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

They are claiming that they mailed me a letter saying they were going to repossess my car. I never received a letter. They also say that I told them to put my number on the do not call list which is not true but that was their excuse for why they didn't call me once leave me a single voicemail. It is the middle of a pandemic I suffer from XXXX XXXX my medication was in that car all the masks that I need was in that car I can't even walk to the grocery store right now because I don't have a mask how is it that during a pandemic they have the right to take my car without calling me once like I said don't claim they mailed it to me but that does not prove that the letter ever got to my mailbox that is a fact They repossessed my car without even notifying me once here 's the kicker I'm now paying {$500.00} to get it back plus paying the loan off because not having money was not an issue I only Mr. XXXX it because I thought I made one apparently I didn't so they didn't even notify me I had money the entire time the loan is now paid off in full I am waiting for them to release it and do all the nonsense involved with getting my car back but I would like to take civil action against this company and recover the {$500.00} that they are trying to charge me after taking my car without notifying me. Wilshire consumer credit is corrupt. Unprofessional and since they didnt notify Me that means they did not repossess my car they actually stole it!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to get a loan for about up to XXXX they told me Ill get approved but I was denied.False advertisement then I went to the bank and filed a complaint.I was told its nothing we can do!!! you was denied cause account was open long enough
Product: Credit reporting or other personal consumer reports

Dear XXXX.Equifax, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Mortgage

I have complaint that was closed Mr Cooper has destroyed! my XXXX check or lost it between the time I called on XX/XX/XXXX covid informing that they had received my certified letter containing my certified checks one for XXXX from XXXX XXXX XXXX XXXX and one certified check from XXXX XXXX for XXXX I was told on the phone that it was received at XXXXXXXX XXXX in XXXX, TX but that I owed XXXX in escrow shortage witch I played the person on the phone told me to turn off auto pay so they couldn't take a payment out when I e d that the statement said I owed XXXX dollars a week later I got a statement in the mail witch the never send since I have an online account starting I only played XXXX and they applied it to the account I called they denied getting the XXXX check they suggested that I call and cancel the check witch I did and the bank told me that it will take 90 days to do that meanwhile for 3 months they will charge me interest and continue to charge me mortgage payments I am XXXX XXXX XXXX and I think they are taking advantage of old people who want the security of paying off their home the woman I spoke to on the XXXX of XXXX congratulated me on doin that and now here I am paying interest on a loan I was told was payer off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts, names, and addresses from my credit report in accordance with Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. Upon careful review of my credit reports, I have identified multiple accounts, names, and addresses that are invalid and have been wrongly reported. These inaccuracies are significantly impacting my creditworthiness and financial well-being. I kindly request your immediate attention and assistance in resolving this matter and ensuring that my credit report remains equitable to me.

Account Information, Names, and Addresses to be Removed : 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 I understand that resolving disputes may take time ; however, due to the urgent nature of this matter, I kindly request that you take immediate action to remove the disputed accounts, names, and addresses from my credit reports within 4 business days. It is crucial that my credit report accurately reflects my creditworthiness and financial status, as mandated by Consumer Law 15 U.S. Code 1601 and 15 U.S. Code 1681s2. 

I have provided supporting documentation, including proof of my correct address and any other relevant information, to aid in the swift resolution of this dispute. I implore you to review the evidence provided and expedite the necessary actions to rectify these errors within the specified time frame. 

Furthermore, I remind you that according to 15 U.S. Code 1681s2, 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. It is imperative that accurate and up-to-date information is reported on consumers ' credit profiles, and any violations should be promptly addressed to protect consumers ' rights. 

I appreciate your immediate attention to this matter and expect a written confirmation once the disputed accounts, names, and addresses have been removed from my credit reports within the requested timeframe. It is my expectation that my credit report remains equitable and reflects accurate and valid information. 

Thank you for your urgent cooperation and assistance in resolving this dispute. I look forward to your prompt response
Product: Mortgage

LoanCare is not offerning deferments on customers mortgage loans. Instead they are offering forbearance on loans for 60 days. And will double the amount of payments to place customers in a position to be foreclosed on their homes. They're practices is illegal and needs attention too. I have called them several times on this matter from XX/XX/20 to XX/XX/20 to tell me they are too busy to accept calls at this time form their mitigation department. This company is not following the federal guidelines for this emergency situation that's going on with Covid19 pandemic. This will hurt people lives, families that are going to become homeless with this companies cruel practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of a debt ( bankruptcy ) listed on my credit report, as I believe it may be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the validation of any debt that is reported to the credit bureaus. 

Please provide me with the following information regarding the debt in question : 1. The amount of the debt. 
2. The name of the original creditor. 
3. Documentation that verifies my obligation to pay this debt, including the original account agreement. 
4. Any additional documentation that supports your claims. 

If you are unable to provide this verification, I request that this debt be removed from my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These acts require that all information reported to credit reporting agencies be accurate and verifiable. 

Please send your response to my address listed above within 30 days of receiving this letter. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Please see attachment for all details. I have tried many times to get this fixed and no one wants to do anything. Citizens has been caught before for not handling disputes properly. They keep claiming they researched these claims from years ago but i have followed up and it is not valid. They will not refund my for the transactions. I have been trying for years but they are still not taking disputes seriously. Please help get this fixed and do not listen to them when they respond " we looked into the transactions and they are all accurate ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate addresses and employer. I have attached a letter detailing the disputes along with supporting documentation. Thank you
Product: Checking or savings account

There were a lot of dates so many days I cant count they had me for over XXXX XXXX  in over draft fees and it was no way possible even after my checks were still going to my account and I still had lingering over drafts and they closed my account
Product: Credit reporting or other personal consumer reports

I have been resolute in my efforts to rectify the presence of these unrelated accounts on my credit report. Despite my repeated attempts to dispute them, these erroneous accounts persist on my credit history. Furthermore, I've proactively lodged several reports with the FTC concerning these accounts, which have no legitimate association with me. 

Regrettably, these companies have chosen to disregard their legal obligation to address these disputes, a requirement mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my XXXX XXXX to make sure everything accurate XXXX   is reporting on XX/XX/2019 I made a hard inquiry with Brclysbankde. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX   If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a barclays credit card and am very happy with that. Just want to fix this inaccurate information. Thank you
Product: Credit card or prepaid card

This happened with Chase. I was in the process of moving and missed two payments which i promptly paid the day after. Since i was late a second time because of the entire moving process they said i was late past 30 days which was false. This was for the statement of XX/XX/XXXX and XX/XX/XXXX. I would like this corrected or to be removed entirely. I have not missed a payment since and the derogatory mark is messing up my credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.
Product: Debt collection

I was a customer of XXXX for over 15 years. I purchased my own phones outright. I transferred my service to XXXX XXXX in XXXX of XXXX. I paid the final T-Mobile bill and did not receive any additional mail, calls, or email from XXXX. 

In XXXX of XXXX, Receivables XXXX filed a collection account in the amount of {$270.00} on my credit report without contacting me. I sent the attached letter to Receivables XXXX and they did not respond. 

XX/XX/XXXX Credence Resource Management reported the debt to the credit bureau without any previous notification. 

Both Credence Resource Management and Receivables XXXX are debt collectors from XXXX. I wrote XXXX on XX/XX/XXXX and have not received a response. The letter to T-Mobile is attached. 

I am in financial services and this collection account has caused damage to me for a recent job offer. 

T-Mobile, Receivables XXXX, and Credence Resource Management has not responded to any of my letters. I do not owe XXXX any amount. I am requesting immediate removal of the collection account from all reporting credit bureaus.