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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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. 


XXXX XXXX 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: Consumer Loan

I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?
Product: Credit reporting or other personal consumer reports

The business information reporting with LexisNexis is old and outdated. The phone number, address my company title and the XXXX codes all need to be updated as some of this information was not reported correctly and other information is outdated.
Product: Credit reporting

I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filled to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX, a XXXX  XXXX XXXX  account open XX/XX/XXXX under account number XXXX, a XXXX  XXXX credit account opened XX/XX/XXXX under account XXXX, a credit account opened at Discover Bank on XX/XX/XXXX under account number XXXX. These accounts have resulted in 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 inquires as reported. The aforementioned accounts, collections and hard inquires 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 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 inquires are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation letter to Credit Bureau Systems INC, addressing my request for validation of the amount listed on my credit report that I recently received from XXXX  and XXXX in XX/XX/XXXX. Upon receiving a reply from " Credit Bureau Systems '', I began to research the company. Because I am XXXX XXXX, I am a legal resident of the state XXXX XXXX, though I reside in the state of XXXX XXXX temporary due to XXXX XXXX. The collections agency listed above, does not have licensing or bonds to report in the state of XXXX XXXX nor XXXX XXXX which is required by law as I researched both. Therefore, they can not request debt in a state in which they are not licensed.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I spoke with an XXXX XXXX representative to set a Promise To Pay starting on XX/XX/2018 for the amount of {$50.00}. The agent agreed and stated the the arrangement would extend through XXXX but will go back to the original agreement in XXXX. 

On XXXX XXXX I paid the agreed upon {$50.00}. I began receiving harassing collection calls including robo-calls at least 4 times per day. On XX/XX/2018 I called XXXX XXXX and asked that the calls stop. The representative was extremely rude and stated that if I were placed on the " Do not call list '' my bank account would be automatically debited for the outstanding amounts. I stated that I have not authorized XXXX XXXX to automatically retrieve funds either by direct debit or ACH transfer and that I am revoking any access to said bank account. On XX/XX/2018 I paid {$100.00} towards my loan. On XX/XX/2018, XXXX XXXX made an unauthorized debit from my bank account in the amount of {$120.00}. 

On XX/XX/2018, I called XXXX XXXX and the representative stated that she can verify that I had an active " Promise to pay '' that had not been broken and that I had asked to be placed on the " Do not call '' list and that I had " Revoked '' any access to my bank account. I was placed on a repeated hold so that she could reach out to the correct agent as she was not in the department that could resolve the issue. 

Because she was unable to reach the correct department, she stated that I would receive a call back. I never received a call. On XX/XX/2018. I once again reached out to XXXX XXXX but once again received the run-around and no one will return my calls. On XX/XX/2018, I was notified by my bank that XXXX XXXX made another attempt to debit my account this time in the amount of {$140.00} but was refused due to insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Delete these Addresses. 
XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Kindly find attached my social security card and passport to proof identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX /XXXX  XXXXXXXX  XXXX XX/XX/2019 inquiry XXXX  XXXX XXXX XX/XX/2019. I call and ask them to dispute both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies ( XXXX, XXXX and Equifax ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EQUIFAX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I requested some enough from the company and they refused to fix the error. The only results I am getting back is update and verification but no proof of verification is being sent to me. I am getting frustrated.
Product: Credit card or prepaid card

I canceled my account in early XXXX because I saw the annual fee had posted and didn't use the card. I received a statement on XX/XX/XXXX with a balance of {$96.00} - the annual fee plus interest. I haven't used the card in months and canceled right after the fee posted. BOA said they would send me a check, but I'm unsure what the amount of the check will be or when I'll even receive it. I also have to spend my own money out of pocket since the statement is due on XX/XX/XXXX.
Product: Credit card or prepaid card

My middle class tax refund card was stolen. I gave have been trying to get the {$700.00} in fraud on my card reimbursed since XX/XX/2023. My claim was denied after an almost 90 day investigation. I have not received any documentation regarding my claim. I have asked numerous times for the denial notice and documentation associated with their investigation be sent to me. I have received nothing. I emailed an appeal on XX/XX/XXXX. When I called and asked for status I was told that nothing is being done with my appeal and no investigation is under way. I have been getting the run around for months. I have talked to several supervisors who have emailed the fraud department asking why my claim is denied and to send the documents to me but they never receive a response or send the documents. I would like the funds refunded immediately.
Product: Checking or savings account

On XX/XX/year>XXXX  following an online banking advertisement, I came to First Horizon Bank situated at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas to open a new checking account which promised me to a {$450.00} cash bonus after meeting the bank advertisement requirements. After meeting all bank requirements on the direct deposit and utilizing the bank debit card or 3 consecutive months, I did not see the cash bonus of {$450.00} in my checking account, on XX/XX/year>XXXX  I wrote the bank inquiring about the expected {$450.00} cash bonus which should have shown up in my checking account. However, time after time the banker refused to honor their marketing cash bonus promotion claiming unreasonable excuses. On XX/XX/year>XXXX  I met with the local branch manager ; XXXX XXXX about this incentive cash issue. XXXX then alleged the requirements were not met as she had switched the account statements cycles. I pointed to XXXX the bank errors. I said a full statement cycle supposed to be 30 days because the date of the account opened was on the last day of the month, XX/XX/year>. XXXX did not resolve the issue and continued to deny the critical facts what constitutes a full statement cycle. Thereafter, a case number # XXXX was created by XXXX XXXX, a special rep who handled this issue. Another 3 months passed and time after time First Horizon Bank continued to dishonor their marketing promise. That gives me no other choice but file this complaint against them for unfairly banking practices and their deception towards the consumer.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed HSBC for a validation of debt, to which they have not responded. The validation also included several violations of the FDCPA and FCRA of which I invoiced them as well. HSBC reported my private transactions without clearly and concisely informing me of their intentions, which is a clear violation Gramm-Leach Bliley act 6802. To date they have failed to produce the requested information and have failed to correct their reporting of my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. As of XXXX XXXX, XXXX at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies. I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ Comenity XXXX XXXX XXXX XXXX OH XXXX, phone XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, issued a credit card using my personal information without my solicitation or application. I have never received any information from this company about this credit card. My first contact with this company was XXXX. 

The amount charged to this unauthorized credit card was {$3900.00}. I have called this company to report this fraudulent card on several occasions to rectify the fraud. My last phone call with this company was on XXXX and I was given the ID # XXXX for this case. It is now 90 days later and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am filing complaint has been filed to request pursuant to FCRA XXXX 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block 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 and false information consists of the following auto loan account XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Mortgage

This complaint is associated with a previous complaint number XXXX regarding PHH c/o XXXX. I discovered from an email from XXXX ( see attached ) that an insurance premium of {$790.00} was paid to an unknown insurance XXXX on XX/XX/year> for my loan ending in XXXX. After contacting PHH/XXXX  XXXX XXXX  XX/XX/XXXX to inquire about who was the carrier. The PHH representative stated that it was XXXX XXXX XXXX. I explained to them that that couldnt be possible because my insurance XXXX for my home coverage is with XXXX Michigan which was paid by PHH on XX/XX/year> ( See Attached ). The PHH Representative provided me with a phone number to inquire further explaining that they would have more information to provide me as to where did this check go. The phone number was XXXX which was answered by a company called XXXX, headquatered in XXXX GA who stated that they sell property, provide home preservation services, and provide inspections for insurance claims. They indicated that they have no information regarding my circumstances and gave me the phone number to their account receivables department XXXX which I attempted on several occasions and no answer. This could be fraud claims on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.
Product: Checking or savings account

{$56000.00} [ approximately ] funds were withdrawn from my chase checking account using applications such as XXXXXXXX XXXX XXXX XXXX XXXX