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

My account with XXXX XXXX & was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 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.

SYNCB/LOWNever 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 8
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX Inquiries in Dispute : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  XXXX Date opened XXXX XXXX, 2022 XXXX {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit card or prepaid card

Due to tort and wrongful interference PayPal who is run by the XXXX. So this complaint is about PayPal and their bank by the name of XXXX has mysteriously decided to close my account with no good reason. I am using my debit card from XXXX XXXX law enforcement force under California 's Attorney General XXXX XXXX and gangs alike can all track/trace my accounts equally~~~~ all I did was buy a drawing and they all act like pigs and bigots! 

Of course PayPal has no excuse for their XXXX XXXX XXXX it's very easy to verify who I am and I'm always having to verify who I am 999 million times! Thats the excuse from the financial system it's called targeting by people who can not be in tech or police! 

This is just pure financial, harassment, discrimination and bigotry by people who should not be able to track and trace XXXX XXXX is a disgrace and so is law-enforcement and neighbors in California!
Product: Credit card

Complaint to CFPB Regarding Discover Card Account Verification Issues Introduction I am writing to file a complaint against Discover Card regarding their account verification practices. These practices unfairly restrict my ability to access and manage my account. 

Details of the Complaint On XX/XX/2024, Discover Card blocked purchases on my account. To unblock the account, I was informed that a verification code would be sent to my phone number. However, Discover claimed they were unable to send the code because my phone number was ineligible due to their policies. 

My Concerns My concern is that Discover 's policy appears to limit verification code delivery to phone numbers associated with mobile plans from a select group of telephone companies with whom Discover ( or their vendors ) have a contractual relationship. This policy has a discriminatory impact on consumers in several ways : Geographic Discrimination : Consumers residing in areas not serviced by Discover 's preferred phone companies are unfairly disadvantaged. 
Socioeconomic Discrimination : Consumers who can not afford service from Discover 's preferred providers are denied access to their accounts. 
Impact of Discover 's Policy Discover 's practice of regularly blocking purchases and then requiring verification through a limited set of phone number providers creates a significant hardship for many consumers. 

Request for Relief I request that the CFPB investigate Discover 's account verification practices. Specifically, I urge the CFPB to determine if these practices violate : The Fair Credit Billing Act 's ( FCBA ) prohibition on unfair or deceptive acts or practices.

Equal Credit Opportunity Act ( ECOA ) regulations that prevent discrimination based on factors like socioeconomic status or geographic location. 
I also request the CFPB to require Discover to implement more inclusive verification methods that do not discriminate against consumers based on their phone service provider. 

Additional Information I am available to provide any additional information or documentation that may be helpful in your investigation. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

The mortgage company PennyMac suddenly increased my mortgage payment by {$22.00} month in XX/XX/XXXX. Without any explanation. On or about XX/XX/XXXX, my monthly mortgage payment increased to {$640.00} with no justifiable reason or explanation. For the past 24 months, I have made additional Principle Only monthly payments in the amount of $ XXXX {$310.00} each month. My monthly mortgage payment should not have increased. This company is gauging customers for additional money. I have requested that my account be reviewed, corrected and my normal payments show as paid in full. Please contact me at the above address regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX to cease this reporting and they continue to simply send me to the other entity.
Product: Debt collection

I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.
Product: Mortgage

In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. 

We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.
Product: Credit card or prepaid card

On XX/XX/21 made online purchase {$41.00}. When products not received disputed charge. Shortly afterwards product received and cancelled the dispute. Citi card adjusted accordingly, however my account was charged twice for {$41.00} as per XXXX statement for {$83.00}. Through numerous telephone calls and written communication I am unable to get anyone to understand this problem. The telephone conversation are dropped or very difficult to understand as the dispute personal are in a remote location based on a island in the XXXX. Inaddition to this problem the credit card company makes payments from my auto pay which are not constant with my original plan. For example my account autopay XX/XX/21 was {$35.00} but my original plan was to pay entire balance. In short I am overcharged {$41.00} by the processing of my statement by Citi Bank and not by the merchant. This is the problem I am having partly due to a foreign language barrier.
Product: Checking or savings account

I was unable to open a Bank Checking account because of some information supposedly supplied to the Bank by an organization called Early Warning Inc. ( Company Consumer Identification Number : XXXX ) When I contacted the organization to find out what adverse information was supplied to the Bank, they went on an unbridled 'information harvesting ' expedition. They wanted every private personal information from me to supposedly verify me before they can divulge the information. 

Problem is that there are no guardrails or restrictions or oversight on how they can use these information. I do not know this organization or under what statute they operate, and certainly do not want to give an unrestricted use of my information to any organization without controls I believe they are collecting my information for sale and for other nefarious activities including generating and selling negative information to other solicitors for profit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH capital 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 card or prepaid card

US Bank 's online account access site, in its Balance Transfer customer flow, states that a balance transfer can not be requested above the cardmember 's total available credit. This is factually false, as US Bank has a secret cap on Balance Transfer requests not disclosed in the CMA and not called out, or even alluded to in the online request screens. This secret cap is known only to customer service agents. When I called US Bank customer service on XX/XX/14, the representative knew about the secret cap but was unaware of how to calculate it. She had to confer with a supervisor for 10 minutes to be able to explain how it worked. She then stated that it would be easy for cardmember 's to figure it out, even though 1 ) it is disclosed nowhere and 2 ) phone agents themselves are unable to figure it out on their own. US Bank should be required to disclose their secret rules for the amount a balance transfer can be requested for. I had to try three times, getting rejected over and over, until someone finally was able to dig up the balance transfer authorization rules used by US Bank.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to contest the inaccuracies in the information provided to XXXX, Experian, and XXXX, unfortunately, the issue remains unresolved up to this point. 

XXXX : XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


Experian : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 11. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 12. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX 1. The following personal information is incorrect Employers : XXXX EMPLOYEE 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

I am writing to file a complaint against CKS Prime Investments LLC for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : CKS Prime Investments LLC has not provided validation information, but yet have placed an account with on my credit report on 8/2024. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account. 12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. It was placed on my credit report without my knowledge. If CKS Prime Investments LLC has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is requiring exposure to identity theft in order to have the security freeze temporarily lifted. I tried to get the security freeze temporarily lifted in order to apply for a new credit card. After providing ALL of the information requested over Experian automated system ( including my social security number and Experian Pin number ) the automated system said that in order to have the freeze removed I would need to send them, via US Mail, my social security number, date of birth, proof of address such as a utility bill. It is absurd to request that people put this information in the US Mail, which is unsecure. It seems that Experians intent is to increase the risk of identity theft. This is probably to mask the breaches in Experians security system. In the event of identity theft ( due to breaches in Experians security system ) Experian would be able to point to the reckless behavior of putting this sensitive information in the US mail. I could not get to speak to an actual person at Experian. So I am in the situation of have no credit report unless I recklessly put myself in danger of identity theft.
Product: Debt collection

Balance {$400.00} Highest Balance {$400.00} Opened XX/XX/2018 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original Creditor Name XXXX XXXX XXXX