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

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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.

This company 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

In XX/XX/XXXX, I received from XXXX savings bank  a XXXX, cancellation of debt form, for {$3500.00}, which I filed with this year 's tax return and it was reported as income. XXXX savings bank   is still reporting to the credit bureaus that I have a balance of {$3500.00}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with Equifax, XXXX, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX savings bank credit card account as having a {$0.00} balance and as being paid. My problem is with Equifax, XXXX, and XXXX savings bank. Equifax and XXXX wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$3500.00} to the IRS as income, they are still reporting it as the balance I owe them.
Product: Debt collection

ARS Account Resolution has claimed I am in debt for {$110.00} on XX/XX/2002 and flagged my credit account with multiple credit bureaus for " collections '' effectively dropping my credit score by XXXX points. When I was contacted YEARS ago about paying a medical bill, I informed the woman on the phone that the bill was covered by my insurance through XXXX XXXX, and said I needed proof of debt by mail so I could dispute it properly or pay it if my healthcare provider confirmed it was still outstanding debt. I heard nothing back from ARS since then, and never received any proof of debt through paper, or any other mode of communication like I asked for. Years later a collection account is opened and all relevant credit bureaus now have record that I have unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. XXXX. XXXX - TransUnion LLC XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays a Wrong FICO SCORE TransUnion Rates my fico score as XXXX from XXXX, XXXX shows my FICO score at XXXX from XXXX and my XXXX FICO score was XXXX and dropped to a XXXXThis is inaccurate because of all the fraugent items that's displayed on my account. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had several debit card transactions for a XXXX cruise drafted out of my account. I opened up a dispute in XX/XX/XXXX. The reason I booked this cruise was because of the advertisement of famous artist that would be present on the ship and they would also perform.The artist wasnt there, so therefore I entered a claim XX/XX/XXXX with my bank for services not rendered. I personally went to my bank and presented evidence. I called periodically regarding my claim and each representative gave me a different time frame for my claim to be resolved ( XXXX days ) I was advised that if they could not receive a response from the merchant, I would receive my money back. Each time I called, the merchant had never responded. Today XX/XX/XXXX I called and they advised me that they closed the claim because XXXX has a 60 day time frame. But the time frame for services not rendered was immediate after the dated service, inwhich was XX/XX/XXXX. The date was also on the provided evidence. Not only that, I didnt make a visa transaction and visa is not the merchant but the cruise line is. They were so called able to reach the other merchant on my other claim so they gave me the money back for that one because it was a low amount im assuming. But on this one, the merchant wouldnt respond so the found an excuse that doesnt apply under a services not rendered claim. Both claims were entered at the same time and for the same reason.The the excuse they found should would have applied to both claims instantly. The excuse they found after making me wait 3 months to not pay me is worse than fraud and is pure deceit. Nothing was given to me on credit, I paid my money. The last representative stated I can just file a police report against XXXX. She also stated she would have a branch manager to call me, and i never heard from them.Again, this is NOT A VISA TRANSACTION and VISA is not the merchant that took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, XXXX  and Transunion. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. XXXX  and Transunion are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,
Product: Debt collection

My name is XXXX XXXX, I reported an identity theft last year, I did challenged that and it was dismissed, not until one of the 2 identity dismissed sue me to new jersey small claims court after I have contacted there collection agency presler and felt warshaw, XXXX, nj that that was not my account nor transaction, I told him it was identity theft and the next week, last XXXX, they mail an invoice and the transaction of the credit card activities with my info but a different address which I don't live.upon receiving the invoice the address was where my ex girlfriend used to live and I came to the conclusion she was the one who stole my identity, use my info unknowing to me and get 2 credit cards, and both address of the recipients of the card is on XXXX XXXX XXXX and when the card was received she wasn't living in New Jersey then which means someone in New Jersey mail the card to her in North Carolina where she live, and I am looking at suing comnity capital Bank for allowing a third party use my info to get a credit card without my consent. And I will need help on another transaction because the same ex girlfriend while she was in New Jersey, she moved to the address which she used to redirect the credit cards she use my info to get and she need to buy furniture and she said she was expecting some money from an accident lawsuits that she wants me to use my credit card to buy the furniture and she will make the installment payment and I bought the furniture for her with my cards and she starts to make payments as promised and within that period was when as hearless as she was stole my info and got other credit cards, she relocated out of new Jersey to North Carolina in 2019 and she stopped making payments until I received a mail from a collection agency presler felt and warshawXXXX XXXX XXXX XXXX and I told them I owns the card but it was used to buy furniture for my ex and she has been making monthly payments with her debit cards so I don't know nothing about her transaction and we were on conference call together me my ex and the collection agency and lied she has been paying and they ask her to call and mail all her payments to them which she did but she never call and lied to me she called until I was sued by the collection agency to new jersey Supreme Court and to avert any problem, I made a payments of of XXXX for the money she owes, all the proof of the payments is with presler felt and watshaw, and I would want the government to help me.get back my hard earn money.when I call to challenge her she blocked me.this is her name, XXXX XXXX XXXX she lives at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and her phone number is XXXX XXXX
Product: Debt collection

They contacted a third party that is not on this loan. This is the third complaint I have filed. Their last response was that they will no longer contact any of my " references '' but they contacted one by phone today, XX/XX/20. I am currently only 10 days past due. They call and leave me messages daily beginning on the day my loan payment is due. Previous complaint number is XXXX-XXXX
Product: Student loan

I sent well uploaded all documents they told me to upload so they could look into the possibility of discharging partial or full amount the letter was dated XX/XX/year> and said I had 30 days from that date to do it. Well I did and they still have yet to do anything
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card or prepaid card

Discover Bank lowered my balance 3 times without any notice in advance, no letter, no email was never received. This action took about 60 points from my credit score. The last time they lower my balance lower than actual balance I had on my card so the made my account in overspend position.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of 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 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 card

I made XXXX security deposit for my capital one secure credit card XXXX dollars and XXXX dollars and they only credited me for XXXX dollars but my bank shows the charges are both on my account and I have been charged for them
Product: Credit card or prepaid card

I opened the prepaid card back in XXXX I with Td bank with the understanding that they dont charge interest rates on a prepaid card because they would never let me go over and what I spend is only {$300.00} but it was capped off at XXXX I asked for the account to be closed and Im still being charged a interest rate and being reported to the credit bureau as having late payments
Product: Credit card or prepaid card

My wife has XXXX XXXX XXXX for 12 years she has underwent 10 surgeries and has been working with 8 doctors specializing in her XXXX. I contacted The Swiss Colony to  include all their affiliates ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Trying to work a hardship repayment program due to the extraordinary circumstances with medical bills. I have been a customer with The Swiss Colony and all their affiliates for 30 years and they have always been flexible with my monthly payments up to 90 days of payments by accepting payments from me this way has always been agreed and became the standard. Never past due of 120 day until the medical bills. Understanding this is a catalogue store my concerns that never received and itemized statement each month so never sure what I truly owed but paid the required amount on each. When I requested a hardship payment plan they told me only as long as I can provide a letter from my wife 's doctor with medical proof. My wife has never been a joint account holder. My wife refused to provide any medical proof since she was not on any of the above accounts and was very upset due to her privacy. HIPPA ( Health Insurance Portability and Accountability Act is a law that protects medical information from being shared with others. Now my accounts are with XXXX XXXX XXXX XXXX XXXX, XXXX requesting {$4.00}, XXXX no other itemized listing. I will be sending them a Validation Letter of Debt IAW Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a good practice to request medical proof for any family member to assist in a hardship payment program. One would agree that a loyal customer for 30 years should be taken by his word when there is a hardship.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Checking or savings account

XXXX my Wells Fargo debit card to make a purchase on a website that later turned out to be a scam. The website failed to deliver the product, and despite multiple attempts to contact them, I received no response. 

As a result, I filed a dispute with Wells Fargo to resolve the issue and recover the amount, which was approximately {$1000.00}. Unfortunately, Wells Fargo denied my dispute request and did not resolve the matter. 

I would appreciate further investigation and assistance in resolving this issue.
Product: Student loan

To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. 
I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. 

I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. 

During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. 

I want to be able to have the opportunity of some part of my loan to be forgiven. 

Thank you!
Product: Debt collection

My wife XXXX XXXX worked for XXXX XXXX XXXX. They are the same Management company that owned XXXX at XXXX in XXXX XXXX. XXXX gave my wife a apartment at this community while working for them. I never lived at the property or in XXXX XXXX. I lived in our home in XXXX, Texas with our XXXX kids and that is where I worked which Id XXXX hours from XXXX XXXX, Tx. When my wife quit the president of the management company was upset as stated he was going to make her pay for the apartment and if she did not he would put it on her credit. Well, they did not put it on her credit but placed it on mine. The apartment was supposed to be free for the first XXXX months because she was driving back and forth weekly from XXXX to XXXX XXXX. The management knew I never lived at the apartment or in the city. As well she was never sent an account statement to our address in XXXX although that was the address on her employee file, the address her final check was sent to and the address she listed in several emails letting them know she had vacated the unit within 2 days of quitting. My information was used in retaliation to my wife and this debt collection was illegal placed on my credit which is really identity theft of my personal information. I never actually signed a lease and what they have is electronic. As well they do not even have the correct unit number listed on the lease. And again, I would like to add that me nor my wife ever received Final Account Statement to our home with any balances due.