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

My account with XXXXXXXX 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 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. 

XXXXXXXX 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

Equifax has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

XXXX XXXX Ss # XXXX PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XXXX XXXXXXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm writing this complaint today because XXXX student loans from XXXX are currently being inaccurately reported on my consumer report. I have reached out a multitude of times in regard to the matter and XXXX  still to this day refuses to be in compliance with the law. I have attached the necessary correspondence below that outlines the violations XXXX is currently exercising against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason
Product: Credit card

I've consistently upheld XXXX payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Checking or savings account

I opened a Checking account with Citibank ( around XX/XX/23 ) to avail relationship discount on my mortgage application that was serviced by Citibank. I was asked to move all my funds for mortgage closing to my Citibank account. The loan officer told me I had to hold $ XXXX in my account post closing for 7 days after which I was allowed to move my funds back. 
Some of the funds I transferred was money I borrowed from one of my friend who wire transferred {$15000.00} to me. I was supposed to return the money after the loan closing. At the time of my incident I had approx. {$56000.00} in my account. For some reason, Citibank flagged my account for fraud and closed my account. No communication was ever provided to me about account closure or the reason behind it. I was told their F & P dept will do their due diligence within 60 days and return all my funds in 60 days. I did get a check but for approx. {$41000.00} - exactly {$15000.00} short of the total amount. Ive tired following up with Citibank 20+ times but Ive never heard any update. They keep raising service requests but no one ever responds or provides any update. Ive offered to provide all documentation to show the money trail but no one has looked into it. Its been 6 months since the account was closed and Citibank has till date provided 0 updates. According to a bank officer, the money is in a sub-ledger account but that money is still with Citi. They never tell me what is going to happen to it- either they should sent it to the original sender ( my friend ) or to me, hopefully after establishing that the wire transfer was legit. This has caused a lot of mental stress and financial hardship. Im hoping someone can help me get a worthy response from Citibank and return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

We changed our homeowner 's insurance carrier effective XX/XX/2024. The Certificate of Insurance was mailed to the mortgage company at that time by the new insurance carrier. I also uploaded the new Certificate of Insurance on XXXX website. We received a letter from NewRez dated XX/XX/2024 that we did not have insurance on the property so they had bought insurance on our behalf and added the cost to our mortgage loan account. The cost was significantly higher that the new insurance that we had already purchased. On XX/XX/2024, I followed the directions in the letter that was dated XX/XX/2024 and uploaded the new insurance 's Certificate of Insurance. Then last week, we received a XXXX Notice from the new insurance company because NewRez has failed to pay the insurance invoice in the amount of {$880.00} which is due by XX/XX/2024. The insurance has always been escrowed by NewRez. At that point, I called NewRez and spoke with XXXX XXXX on XX/XX/2024 and she opened a case regarding insurance documents and nonpayment. She gave me an email to which I could forward the invoice. I did that and once again included the Certificate of Insurance. I have checked NewRez 's account detail on this property every day since then and the insurance has not been uploaded in account details. We have had problems in the past when we have had to pay the insurance ourselves because NewRez has not paid it and we never received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. Equifax and XXXX have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : Experian 2 ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by Experian has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied to  TD Bank N/A o n or about    XXXX   XXXX   XXXX   for th eir   XXXX   XXXX   XXXX   XXXX   XXXX  since I have an   XXXX   XXXX   accounts. Attempted to contact them several times between  XXXX   XXXX  and    XXXX   XXXX   XXXX  . I  was able to get an recording that my application was denied. A few times I tried to reach an representative I was disconnected. I still as of toda y,   XXXX   XXXX   XXXX   h ave not received an official letter stating I was declined and as to why I was denied. This is a major violation of banking rules and regulations. I have an right as an consumer to know why I was denied. As an result of this I will be filing an BBB and Attorney General complaints as well! I have an right to legally know and receive an letter! My address is still the same as listed on the application and listed in this complaint!
Product: Payday loan, title loan, or personal loan

this is not my debt. this was opened online with stolen information. i had to close my bank account due to this matter because someone gathered that information also. Im not sure what more to do here.
Product: Credit reporting, credit repair services, or other personal consumer reports

first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff
Product: Credit card or prepaid card

I applied American Express 's Premier Rewards Gold card in the beginning of XX/XX/2018 ( Reference #  XXXX ). I have never had such a harassing, convoluted experience in my 50+ years of experience with financial institutions. I have released very personal information to American Express in the form of my taxes and am absolutely horrified at the lack of professionalism with which they request and handle this information. I am filing a complaint 2 months after the initial application due to the following events : I received a letter shortly after filing my application requesting a XXXX and a letter from a bank stating my home address. I provided both of these items in a timely manner. This is in spite of the fact I was told by my bank that it is not in their practice to provide such letters. I eventually was able to obtain a " Deposit Account Balance Summary Request '' that included every single item they asked for ( bankers name and number, branch name, my address, etc. ). At this time I called American express within the next 2 days to confirm timely receipt and processing of these document. This time I was told that they were attempting to contact the banker and were not able to do so ( apparently trying consists of calling- who knows which and at what time of day- number two times ). I was informed that because American Express was informed the banker was out of the office that he would need to call them. Now, I'm no expert but it seems that if the banker ( whom you have now confirmed works there ) is not in the office you could confirm my information with the banker that was speaking with you. During one of my subsequent trips to my bank I did ask my banker to make this call to American Express -- and he did with great difficulty. The first time he called the number provided on the notice from American Express did not connect with the correct department handling my case. The second time I went to my bank specifically to make this call ( after I did research to locate the correct number -- note this is absolutely absurd ), My banker was told the department was not in ( had left for the day ). I asked the representative of American Express to notate on my account that the banker and I had called again and he did. I assumed this was the end of this 2 month fiasco with such a " reputable '' company. Alas, I called back a few days ago and they asked me to go back to my bank a third time and call again. This is absolutely unheard of -- this banker is not my personal assistant and I should not have to make a third trip to my bank for the ineptitude of your employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, my travel agent submitted a substantial charge for an upcoming cruise for payment via my Chase credit card. The charge was made on the same credit card with which I had made the cruise deposit and was made some 10 days before the due date for the final payment. When I contacted the travel agent several days later, but before the due date, to arrange for payment, I was informed that it had been made already with the Chase credit card. Although I was uncertain whether the charge exceeded my credit limit on that card, I was assured by the travel agent that there had been no hesitancy by Chase in accepting the charge. However, I was notified on XX/XX/XXXX by a credit monitoring company that notification had been received that I had exceeded my credit limit on a card by over {$6000.00} and learned that my XXXX score has correspondingly dropped by XXXX points, from " exceptional '' to " good ''. Complaints to Chase that I had received no notice from them or requests to rectify the situation between XXXX XXXX and XXXX XXXX, when they prepared my monthly statement and simultaneously notified the credit reporting companies were .to no avail. And, even on my statement, received on XXXX XXXX, I was required only to make a payment of some {$290.00} by XXXX.
Product: Money transfer, virtual currency, or money service

I also sent the following to Ally on XX/XX/XXXX, received an email stating I would hear back from them within 3 days, but it's been four and I have heard nothing. 

I opened an automated investing account with Ally at the beginning of XXXX. The initial investment of {$5000.00} was transferred to the account on XX/XX/XXXX. Sometime between then and the XXXX I became aware the new account was marked restricted due Ally 's inability to verify the address I provided. I was unable to provide the supporting documentation requested, as I had provided a mailing address and apparently a residential address was required ( there was no indication of this when I opened the account ). I contacted Ally support immediately and they lifted the restriction on the account temporarily so I could transfer the money out of it, which would close the account. I did so, and received an email from Ally on XX/XX/XXXX stating that they would review the request that day, liquidate the funds and make the transfer. The funds were not invested yet, and still aren't according to the dashboard, so they should have been available immediately. 

It has been a month and the money still hasn't been withdrawn from the account account, and it still hasn't been closed. I have not had access to the account for this entire time, as it is " restricted '' due to not being able to provide the requested supporting documentation. 

I have spoken to support over the phone twice now to resolve this issue. The last time, which was last week, the support specialist removed the restriction on the account so I could try to withdraw the money again. However, I was unable to do so at that time. The error Ally returned was that there was already a pending transfer. 

I am becoming deeply concerned, as Ally is currently holding {$5000.00} in limbo and has not provided an explanation as to why, or a path to resolution. I have made it *very* clear that I wish to withdraw all the money and close the account, but so far Ally bank has not complied with this request despite the fact that the money is not, and certainly should not, be invested.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : 1. Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX 2. Creditor Name : XXXX - Account Number : XXXX 3. Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. Creditor Name : XXXX  XXXX - Account Number : XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of our re-investigation. 

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed activity years ago and it was settled, but since then my account has been sold to other collections agencies : Acct bought : XXXX ) XXXX by XXXX XXXX XXXX ) XXXX by Diversified XXXX XXXX Currently open date : XXXX ) XXXX by Jefferson Capital System This was not my activity in the first place!