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

My account with XXXX XXXX, XXXX & XXXX was never late ! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX
Product: Credit reporting

I had an account with XXXX XXXX XXXX. I lost my job during the economic downturn in XXXX XXXX and my account because delinquent within a month or two. I did n't make any payments except ONE payment in XX/XX/XXXX. XXXX waited until XX/XX/XXXX to report this to the Credit Bureau instead of reporting this when the account first went delinquent. I 've submitted several disputes online and XXXX keeps claiming the dates are correct when they were n't because I was unemployed from XX/XX/XXXX to XXXX XXXX so there were no payments being made. Although this is scheduled to be removed from y credit report late this year, it 's unfair that this is continuing to hurt my score and get me higher rates when it should have already been deleted from my credit report.
Product: Credit card

I closed my account after incurring a hardship and set up a payment plan through a debt consolidation program. Both the App and Website didn't allow me to turn off the Auto Payment feature previously set up on the account. Tried working with their website customer service team and was transferred multiple times only to be told again that I needed to do it through the website. After multiple attempts to get someone to turn of the Auto Pay, they deducted another payment from my checking account. 

I finally got the auto pay feature turned off and was told that the XX/XX/XXXX payment would be returned to me via check. After three weeks, I never received the check. I called again and was transferred three times and got disconnected twice before another representative stated that they issued a stop payment and another check would be mailed to me. After another three weeks and multiple follow ups, I never received the second check that was supposedly mailed. I was then told that they would send the refund via ACH. After two weeks from that request, no funds were received by my bank and my bank stated that we were past the 60 day mark for them to request the funds back from Bank of America. 

I called back again and was told that no checks were ever sent nor was the ACH sent. I was lied to on every call by every customer service rep I talked to. Throughout the two and half months, I called 10 times and spoke to 14 different representatives and was never given accurate information. I asked if the refund was even approved and told it was and the funds were on their way. They were never sent and it wasn't until my final call on XX/XX/year>, that a rep was finally truthful and stated that the funds were not sent, she would submit the return of funds request again, but that I would receive a letter in the mail indicating if it was approved or not. 

This was a very frustrating process with no clear number to call or department to work with. I was consistently bounced around and told misleading information with the intent to delay the refund and prevent my bank from initiating the refund from their end. Bank of America does not have a user friendly website that makes it easy to change features on your account and their customer service is the worst I've experience. Bank of America is unethical in this process and at this point, I don't know if I will ever get a refund.
Product: Debt collection

They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.
Product: Credit card or prepaid card

I had new checking account information that needed to be put on my XXXX XXXX XXXX credit card and when I attempted to remove it, the system would not allow me to so I was forced to UPDATE the checking account. I updated the information and then made a payment. Unfortunately, the Comenity system did not update the information, and the payment was sent to the old account. When I found out about this, I called customer service and four different reps attempted to help me but no one could seem to figure out what had happened and no one seemed to know how to remove the old account. I finally spoke with a rep who was able to show me how to remove the old account, however, I had already been charged a XXXX returned item fee because the system sent it to my old account. I have tried to resolve this with no less than 10 people and no one seems to be able to help. I have now also been charged XXXX in interest on the returned item fee.
Product: Debt collection

I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with mercedes-Benz financial services sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies beginning in XXXX of 2020 til present and yet they refused to remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent count XXXX XXXX showing on my credit reports. This account is not correct.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub>XXXX XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX 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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 : 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, credit repair services, or other personal consumer reports

I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX  XXXX BANK or XXXX XXXX  XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for WELLS FARGO XXXX  and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.
Product: Debt collection

This agency has failed to provide any proof that they have the right to collect this alleged debt. This company can not provide proof that the own or the the legal right to collect this alleged debt. Ive requested proof that they are legally allowed to collect this debt, nothing has been provided. I also requested proof the I was given proper notice again nothing has been provided. This agency doesnt have the right to have accessed or have access to my personal information. I have no knowledge of this company, have not done any business with this company but they claim I owe them money but have failed to proof so, by failing to provide any sign legal documentations from me/consumer or original creditor. This company also identified themselves as debt collectors, but in previous dispute when asked for proof of purchase claim to be lawyers. This is both misleading and deceptive practices. Under the fair credit reporting act any company that regularly attempts to collect debts is a debt collector and must provide proof of purchase upon request which this company can not provide. 
Upon request debt collectors must also provide proof of proper notification which this company has also failed to provide and can not provide because such communication did happen Without this information I can not confirm that this company have the legal right to even pursue collecting this alleged debt. This company also continues to report this alleged debt to my consumer credit report without providing this information which is another violation of my consumer rights.
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 Account # : XXXX, has violated my rights. 
-XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX XXXX  Account # : XXXX, has violated my rights. 

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

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. XXXX, Equifax, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

hello transunion is showing that the account XXXX  XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.
Product: Checking or savings account

I have been a customer since XXXX and since XXXX I have been complaining to the bank about abusive fees charged to my account. few fees were returned, considering that I paid many, many. in addition, they have now decided to charge an additional XXXX dollars a month. they charge a fee of XXXX dollars for a debit of XXXX dollar, absurd, a disregard for the customer. I've certainly paid well over {$3000.00} in taxes alone. and there is no point in calling the bank that leaves you waiting for hours and nothing is resolved. since XXXX charging abusive fees!!!
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission XXXX consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protective Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to Ensure XXXX complies with Federal Law and provides consumers with the necessary proof investigation. 
XXXX XXXX {$820.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1600.00}
Product: Checking or savings account

Banking with TRUIST BANK On XX/XX/XXXXXXXX XXXX XXXX XXXX transaction placed to business checking ( an account I own ) for {$2500.00} - The payment was placed on hold, I called to verify my account and the payment completed successfully On XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Payment placed on hold, removed after calling and verifying. Payment completed successfully On XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Payment placed on hold, removed after calling and verifying. Payment completed successfully on XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Bank does not release the money, returns the payment and locks me out of my account after providing all the same verifications. 

I am XXXX XXXX XXXX  account that I own and moving money to my XXXX XXXX account. The advertised XXXX limit is $ XXXX and I am not able to do this causing hardship with my business. The company will not accept online measures to verify my identity, and because they have shut down many locations/have no locations in XXXX XXXX , they are requesting I fly back which I did not need to do to fund the account. I was not given any notice that my account would be locked after moving my savings into another account.
Product: Mortgage

Our mortgage is with Ameriahome mortgage # XXXX, The XX/XX/2020 mortgage payment was mailed on XX/XX/XXXX and cleared my account on XX/XX/XXXX. Another company cashed the check .... XXXX XXXX cashed the check and and deposited it with XXXX XXXX. I have reached out to Americahome mortgage in writing and via telephone and they have not addressed the issue. I believe that someone in the mail room may have stolen the check. We are in the process of purchasing another home and because the XXXX mortgage payment is being reported late we are being denied approval. Our current home has sold and unless this is removed we will have no palace to live. I understand that XXXX  is the sub-servicer on our mortgage ... .please help!!!
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions.

Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

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

Please remove from my credit report. This company is currently being sued by The federal trade commission for false reporting erroneously reported fees non refundable security deposits trash fees utilities fees and a lot of other rental amounts. I do not owe this company any money. I have contacted them for over a year several times. Just yesterday they advised that they have no information about what is being reported. They also stated that I need to reach back out again they dont know what to do and dont have the information. I have tried to speak to them to get this resolved but been unable too including exborating rates
Product: Debt collection

This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. 

The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute leters to XXXX via mail on XXXX. I have the proof of mailing on XXXX. 
Today XX/XX/XXXX i received a letter stating that the timeframe for response was extended by 15 days due to additional information regarding the dispute being received. The letter states that my original submission was received on XXXX and additional information from me was received on XX/XX/XXXX. As the proof of mailing proves it is not possible that the original mailing was received on XXXX. Moreover, I did not send any additional evidence regarding the dispute. As such, the timeframe to complete this investigation can not be extended by 15 days, and should be completed by 30 days as required by law. 
This same correspondence stated that the proof of address that I sent was inadequate. However based on the list of documents that can be sent, my information was in fact adequate. I sent a copy of my ID and a untility bill dated XX/XX/XXXX - both have the same address, and the utility bill is within 2 month of the mailing date as required. 
I called transunion today and spoke to XXXX. My call was at XXXX. While the representative told me to disregard the extension, she stated that she could not get me anything in writing stating that the timeframe was in fact NOT extended. As such I am contacting this agency regarding the matter to hold transunon accountable to the 30 day timeframe - as they have no grounds to extend investigation by 15 days.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX a formal complaint was mailed to EXPERIAN to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} XXXX XXXX XXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATION/NELN- XXXX Balance - Date opened XX/XX/XXXX 2016