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

My account with ( 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 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

XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, XXXX AND EQUIFAX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXXThe agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion datedXX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

1.I have never had an account with this company WF BANK NA XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK NA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I request an investigation from the TransUnion company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By XXXX, financial Injury. 
Protection under the FCRA, FCRA Section 623. 
Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). 
The Credit bureaus, " TransUnion '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 
I gave them all the original information of the companies, TransUnion did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. TransUnion refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. 
As the FCRA and TransUnion do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and TransUnion . 
You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. 
I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information
Product: Debt collection

On XX/XX/2020 I disputed a collection through XXXX  for IC Systems which is a collection agency for XXXX XXXX which was resolved on XX/XX/2020. I reported the issue as an unauthorized account opened in my name which was removed off my credit XX/XX/2020. Today which is XX/XX/2020 I received a phone call from I C Systems about a balance of {$110.00} which I informed them that the account wasnt mines that the address reported was actually my sister address who had the bill placed in my name. I was told to fill out a form which I attached to this statement and if I couldnt get a police report to report it to FTC.
Product: Checking or savings account

My parents passed away in XX/XX/XXXX and XX/XX/XXXX respectively. We created estates for both of them and received letters of testamentary. The State of NC provided us with a .PDF copy of the legal documents because they use ink seal notary. 
This is a Marcus by Goldman Sacs savings account with over {$54000.00} in it.

Marcus requested my mom 's death certificate, letters of test., and a letter of intent. We provided all of that to them by mail because they don't take anything by email or have a secure portal. Several weeks later they sent a letter stating they needed the original letters of test. which we told them we sent. We then sent another copy and they then questioned the legitimacy of that copy. Then they requested a call with the court to verify the estate. After several months of back and forth with them, they asked for a copy of my father 's death certificate. All of this via mail. Each time I call them, they say the account is under review and will not give me a status of the account. The last request was that my sister and I sign on the same piece of paper a new letter of intent that we want the account closed. I am stationed in Washington XXXX DC and my sister lives in NC. This just seems like a ridiculous request and a way to stall closing the account for no good reason. 
When i last had access to this account online ( XXXX XX/XX/XXXX, the account had {$54000.00} and was earning 4.50 % APY ). I want to make sure the money is still earning that interest until the day the account is actually closed and paid out. 

Can you please help us get this closed and paid out to the estate as this is the only account that we have been unable to close? Thank you.
Product: Checking or savings account

American Express National Bank informed me that my Traditional IRA account was being closed. It is no longer earning interest. I can rollover my account to another institution. However, 2 other institutions have informed me that I must have a Brokerage DTC number in order to rollover my IRA. American Express National Bank 's customer service chat agent, XXXX, was unable to comprehend what a DTC number even was. American Express National Bank 's customer service agent on their call on XX/XX/year> at approximately XXXXXXXX XXXX e.s.t. informed me that American Express National Bank does not have a DTC number. This requires me to take an IRA Distribution ( that I don't want to take ) and forces me to pay a penalty for an early withdrawal.
Product: Checking or savings account

I have been charged multiple multiple overdraft fees when there was clearly money in the account. This apparently has been an ongoing issue with Wells Fargo Bank and its account holders. I have been with them for many years and never had an issue until a few years ago. Many fee charges were charged to my account incorrectly and my money was taken when my account was very visibly funded and not in fact overdrawn by any of the transactions that they showed overdraft fees being charged for.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a deposit for services to a Cash App user named XXXX XXXX ( $ kimberlypenalver ). She did not provide the service so I requested a refund on XX/XX/XXXX. She has not granted the refund and I would like to report her for suspicious activity. Cash App has provided zero support to report this user, review their account for abuse, or restrict this users ability to continue her scams. It would be appreciated if Cash App would do more to protect users like me from rampant fraud.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that weren't authorized.
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.
Product: Mortgage

I previously entered a modification in the past and no one explained to me that there would be a balloon payment due for XXXX. Currently the balloon payment is due and I do not have the money to pay for it. They are currently threatening me that my house will enter foreclosure on XX/XX/2020. I am worried I will be losing my home.
Product: Debt collection

I received a letter from Cedars Business Services trying to collect roughly {$460.00} for creditor " XXXX ''. The letter appears legitimate. 

The letter reads as follows : " Your account has been places with our firm for collections. We previously sent you important information about your rights. Our request for payment does not deny your right to dispute the debt. 

The amount referenced is seriously past due. We would like to hear from you regarding how you intend to resolve the outstanding balance. Please contact us if you like to make a payment or if you need additional information. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The account says I owe from a declined ACH Deposit however I went on my bank statements from said date XX/XX/year>, and there is no declined transactions on my bank statements. I opened the account with intent to use it, but never ended up using due to me using a different account on another app. However I never closed the account but did sign out shortly after. This has affected my credit score tremendously, when this wasnt my doing. I have proof to show it. 

I also went back into the account to look up previous pay request and history and put the date of said transaction and says theres no history.
Product: Mortgage

In XXXX of XXXX I discovered that I could no longer continue in my employed profession due to suffering a XXXX XXXX and the following surgeries. I applied and was approved for XXXX. However, I was advised that my pay would not start until much later. 

My wife and I contacted our mortgage company and explained our situation. We requested a deferral, an adjustment, or any relief to aid us through this situation. Not only was nothing offered to us ; we were not allowed to make any payments that were not the full amount. This continued for almost a year. 

In XXXX of XXXX ; I received my first XXXX check which included past months of eligibility. Excited I contacted the mortgage company to apply the entire amount to my past due amount. I was informed that they could not accept the amount because it was short of the entire amount of delinquency which included late fees and penalties. During XXXX conversation my wife had with a service XXXX ; she was informed " Well, you could always file for bankruptcy ''. Frustrated, and at my wits end, I did not know what else I could do. 

The mortgage company foreclosed on the house, and it was scheduled for auction in XXXX of XXXX. My wife and I filed for bankruptcy which stopped thefi sale. Unfortunately, we filed XXXX XXXX ( stupidly ). We were able to rescind that motion and stop the bankruptcy. During this time frame I discovered an article stating that the CFPB settled with the same mortgage company with a consent order. 

I am in contact with the mortgage company trying to be fair. Here is the recommendation from them : Short Sale-approved, Deed-In-Lieu-approved, Home Retention-denied. I do have a law firm on retainer in case I must file bankruptcy or take them to court. 

I do have documentation I can send to you via overnight mail.
Product: Credit reporting or other personal consumer reports

DELETE XXXX  XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX owner of XXXX XXXX XXXX used Acsi debt collection company to fraudulently obtain my social security number and personal information to incorrectly report an {$8000.00} debit as real-estate related which is completely false!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXX XXXX Account # XXXX  Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

Account # XXXX Legal Basis for Dispute : The continued reporting of this account violates 15 U.S. Code 1692e, as highlighted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the prohibition against misleading debt collection practices. This account must be removed immediately. 

Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 

Account # XXXX  Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is being negatively affected by 13 total late payment indicators on 3 separate student loans I have with XXXX XXXX XXXX. The loans were always in good standing for years before these reported months and are in good standing now since 2016 when these payments were reported late inaccurately. Its my belief that the loans should have been in deferment at that time or if they were not, I was not properly notified that the payments needed to be made. Even though fed loan servicing is reporting the late payments they refuse to remove them but suggest that I ask the credit bureaus to remove them as a courtesy. But they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # 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, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them update the months in question to paid as agreed for this account or remove the entry from my credit report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my free annual credit reports. On Transunion and XXXX, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, XXXX, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX XXXX XXXX and had a terrible experience. XXXX refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not XXXX.