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

My account with XXXX XXXX  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 those account 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 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 was the co signer on a XXXX lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted XXXX for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.
Product: Vehicle loan or lease

I am writing to follow up on my previous complaint regarding the unlawful repossession of my vehicle and the improper handling of my account by XXXX XXXX. I have received your response dated XX/XX/XXXX, which included an assertion that the Notice of Intent to Sell was sent via certified mail on XX/XX/XXXX, but the tracking information is no longer available due to XXXX retention policies. 

Key Points of Contention Lack of Official XXXX Certified Mail Stamp : The provided XXXX Certified Mail tracking slip lacks an official XXXX stamp. An official XXXX certified mail receipt must bear a postal stamp to validate that it was processed through the XXXX system. The absence of this stamp suggests that the letter was not sent via the proper certified mail procedure. 

Inconsistencies with XXXX Retention Policies : While it is true that XXXX retains tracking data for certified letters for XXXX years, the absence of an official stamp on the certified mail slip itself raises concerns about the authenticity of the mailing process. The lack of proper documentation indicates potential mail fraud. 

Violations and Legal Implications By failing to provide proper documentation and evidence that the Notice of Intent to Sell was sent via certified mail, Roadrunner Financial has potentially committed mail fraud. According to federal law : Mail Fraud ( 18 U.S.C. 1341 ) : Mail fraud occurs when there is a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises, and the scheme involves the use of the postal system. 
Given the lack of an official XXXX stamp and the inability to track the certified mail, I am led to believe that the notice was never sent, or was sent improperly, thus violating the aforementioned statute. 

Demand for Resolution I demand the immediate waiver of any remaining deficiency balance and the deletion of this tradeline from all my credit reports. If Roadrunner Financial fails to comply with this request, I will proceed with the following actions : Filing a report with the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) for potential mail fraud. 

Initiating legal action to seek all available remedies, including but not limited to {$30000.00} in damages for the unlawful repossession and the mishandling of my account. 
This is my final attempt to resolve this matter amicably. Please address this issue urgently to avoid further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes online from my credit report with TransUnion. None of those disputes appears in the history in TransUnions Online Dispute Service. 
The sites homepage states To submit a new investigation, click on the New Investigation link above. But there is also no New Investigation link. It is very frustrating as TransUnion has made it impossible for consumers to dispute, thus creating an unfair advantage for information furnishers who can easily report anything with impunity.
Product: Money transfer, virtual currency, or money service

1. I made international money transfer transaction through https : //www.remitly.com/ 2. There was an error in Account number which did not match the recipient name. 
3. The recipient bank rejected the transaction & sent confirmation to recipient that the transaction was rejected. ( {$500.00} ) 4. Remitly showed transaction was completed. While recipient never got the money. 
5. Contacted customer care the voice service is just a Voice message box. 
6. chatted with customer service online. They said money is delivered correctly to recipient. 
7. After providing them all evidence that recipient bank rejected the transaction and no money was delivered. 
8. They told me their system ( remitly ) shows they have refunded me the money. 
9. I shared my bank statement, showing nothing was refunded to my bank. 
10. Since then they have blocked me from contacting customer service, not sure even if its legal to block a customer from contacting customer service. 
11. can't do anything, feel helpless 12. TERRIBLE CUSTOMER SERVICE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with PenFed Credit Union and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called PenFed to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XXXX XXXX, 2019 I got an alert that PenFed has sent a delinquent alert to XXXX and it has been posted on my credit. At this point I feel I have to escalate this situation because Penfed, who assisted in an Identity Theft crime, is now turning to the victim to collect.
Product: Credit reporting or other personal consumer reports

I'm anxious and stressed about these inquiries in my credit report which I don't recognize, this is not authorized and I did not give consent to these companies to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 Loans on my equifax that do not belong to me these need to be removed I have reached out to the bureau and the funrisher and they have not responded back. I need to know why this is still on my credit report and how this can be removed. 

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

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for JPMCB CARD to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account JPMCB CARD - XXXX Last XXXX digit SSN :
Product: Mortgage

Due to unforeseen circumstances, I have fallen behind on my mortgagepayments. I have been trying to get a loan modification with my lender ( Select Portfolio Services ). Unfortunately, It 's almost impossible to do so. 
I have submitted all required documents to them for a review. However, every time I call for a status, someone will tell me they 're missing several dodocuments and can not review my file, so I email and fax them again and aagain. They continue to call me and threatened me that my investor hasbegun the foreclosure process abd I will lose my house of 15 yrs if I don'tcooperate with them and submit the documents. I have submitted the samedocuments over XXXX times just in last month. 
I respectfully ask your agencies help with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate and inconsistent reporting by XXXX XXXX Account Number : XXXX to the credit bureaus, specifically XXXX and Experian. Despite my diligent efforts to rectify this matter, I have received no resolution. 

On two separate occasions, I have disputed the erroneous information with XXXX XXXX Providing Evidence of the inaccuracies. Regrettably, these disputes have yielded no results, leaving me frustrated and increasingly concerned about the impact on my creditworthiness. 

In addiction to disputing the reported information, I have repeatedly requested the original contract with the original creditor from XXXX XXXX and that demand still stands. As a consumer, I am entitled to verification of debts under the Fair Credit Reporting Act ( FCRA ). However, my requests for this essential documentation have been ignored or denied by XXXX XXXX and the Credit Bureaus. 

Given the gravity of this situation and the failure to provide accurate information and documentation, I am left with no choice but to demand a escalation for this matter for a thorough investigation. I expect that the investigative body will provide the necessary proof and results I am demanding, in accordance with the FCRA and other applicable consumer protection laws. Failure to provide me with proof should result in removal of this account from my credit report. 

I urge XXXX XXXX to take immediate action to address these issues and to cooperate fully with the investigative process. Failure to do so will leave me with no option but to pursue further legal remedies to protect my rights as a consumer. 

Please provide a response to this matter on XXXX only within 30 days, confirming receipt and outlining the steps XXXX XXXX will take to resolve this matter. Additionally, I request that all future communication regarding this issue be conducted on XXXX for clarity and documentation purposes. 

I also would like the investigation to correct any and all inaccuracies that have been reported on my consumer report WITHOUT proof. 

Accuracy of information ( 1681e ) ; Debt collectors must ensure the accuracy of the information they report to credit bureaus. This sections REQUIRES them to have reasonable procedures in place to ensure the ACCURACY of the information they furnish to consumer reporting agencies.

Investigation of Disputed Information ( 1681i ) : If a consumer disputes the accuracy of information on their credit report, debt collectors are required to conduct a reasonable investigation into the matter. They must correct, delete, or verify the accuracy of the disputed information with a reasonable period.

Disclosure of Information to Consumers ( 1681g ) ; Debt collectors must PROVIDE consumers with certain disclosures, including the right to obtain a copy of their credit report and the right to dispute inaccurate information. They must also inform consumers if adverse actions are taken based on information in their credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I had a lease with my apt XXXX complex and paid all of XXXX rent and had a termination fee due at the end of XXXX. The asst. manager contacted me and said if I would move out within 3 days all fees would be forgiven. The people wanting the apt needed it immediately. I received a letter from National Credit Systems Inc for {$2100.00}. for failure to pay the apt XXXX company National credit acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting false information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are TransUnion, XXXX  and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Product: Mortgage

We had major damage to our home from a storm that came through. Our home owners insurance covered all the damage to the property. When the insurance company sends checks for the damage, they also have the mortgage company listed on them. Citizens One appears to have smooth process that should go quickly to send them the check from the insurance company, the paperwork from insurance with the damage claim, the invoices from contractors who have done the work. We had done all of these items. Citizens One Mortgage  said they release the initial {$40000.00} without an inspection but with invoices. We had invoices totallying over {$40000.00} submitted. The check was for {$42000.00}. We never saw the {$40000.00} released and sent back to us. The inspection was scheduled for XXXX XXXX. We spoke to the inspector. He came took photos and submitted his findings. Fast forward weeks to XX/XX/XXXX when we call once again, and they say they haven't gotten the inspection reports. However, the {$40000.00} should have been released prior to any of that because they said they were releasing it. It's XXXX XXXX and we still have not seen any of the funds released back to us. Citizen One said the check will be overnighted. Our contractors are waiting to be paid. The roof damage that was invoiced at $ XXXX was FINISHED by XX/XX/XXXX. I have been lied to, led to believe things were getting taken care of on the end of the Mortgage company so that we in turn could pay our contractor, yet here we are months later and still no payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a Federally Protected Consumer rights have been violated. Equifax Consumer Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ). Accuracy & fairness of credit reporting.I did not benefit nor consent to these notated accounts being furnished.I value my consumer report and only a natural living person can do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.