23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$7000.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$100.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX  ) - XXXX XX/XX/XXXX {$2600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I got a notification from XXXX, through XXXXXXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX continue to report incorrect information on the account listed as XXXX XXXX XXXX there are several inconsistencies the biggest being the account listed as a charge off. 

The inconsistencies are as follows : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Furnishing Finance Companies - non specific Account Type : Installment account Secured Loan Furthermore any account charged off with a balance belongs to the consumer so how am I indebted? This account can not have been validated with all the information being different. 

1026.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Product: Mortgage

Hello and please note that this is my second complaint filed with Ally Home Loans. 

I have desperately been trying for months to have Ally follow the law ( SCRA and California Military Families Financial Relief Act ). While they have been in contact with me, I have not gotten any written confirmation that I am on the deferment program. Rather, as of yesterday XX/XX/2023 I was removed from the regular payment program. Today, they are showing I am late on my payments and have reversed my funds. 

This is incredibly stressful. I have an impound account. The means, that although my mortgage is deferred, my property taxes and insurance are not. I am now removed from the program, and no one at XXXX seems to know anything. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Citybank is trying to collect a debt but they was and are in violatio

n of 15 US code 1601, Ch. 41. Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen between us. The first thing is that I made an uninformed decision when I entered into this consumer transaction. Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. Next, in part ( g ) congress says the the person to whom the debt is arisi
ng from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Citybank is in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction since they charged off the alleged debt. I requested that proof and a copy of the 1099C they must have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However Citybank not only reported this income on the Consumer Reporting Agencies, they sold the alleged debt in violation.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation of my consumer rights.
Product: Credit card

I went to Frontier airlines website to get a flight ticket for my family vacation. I was shown the advertisement for Frontier credit card offered by Barclays bank and an offer of XXXX points if i purchase for {$1000.00} in next 90 days. I applied and got approved. When I went to the check out I was show an advertisement for the same credit card with a {$200.00} credit at check out. I wanted that offer and I was trying to find a way to use the newly approved card at checkout because using it for the upcoming vacation was the primary purpose of applying for this credit card and having a hard pull on my credit. when I tried to use the {$200.00} credit offer at check out I got a message after filling the form again saying i applied for the card in the last 30 days. I couldnt find anyway to use the newly issued card to buy the vacation tickets so I called the bank and the response from the bank was super unhelpful. The credit card advertisement felt very deciving as i couldnt get the statement credit offer since i did not apply at check out instead applied XXXX minutes before reaching check out and I couldnt use the card becuase of some security rule which says I can only use the card after getting a copy of the physical card in my hand. This is XXXX century and this felt very predatory and a UDAP violation and an unfair banking practice when they treat customers who coem to the frontier website in unbelievably different ways where some of the approved customers can immediately use the ocard for a ticket purchasing transactions while some other customers have to wait XXXX days to receive the physical card to make the same transaction. They are using fine prints to drown these important information and this is a clear UDAP violation. I want CFPB to look at this issue with the required seriousness since this caused major harm to myself as a credit card customer as i got hit by a hard credit pull and I am unable to use the card for the intent i applied it for.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Billing Error to Remove Incorrect Late Payment Reporting Due to Procedural Error Dear XXXX XXXX XXXX  Support Team, I am writing to formally dispute a late payment recorded on my credit report by XXXX XXXX on XX/XX/2023. I am providing evidence that this action did not comply with federal billing regulations and request immediate removal of the late payment from my credit record. 



On XX/XX/2023, I made a payment through XXXX, a bill pay app, because I did not have the available funds to make the payment through my usual method. This option allowed me to use my credit card to ensure timely payment. Prior to this, I had arranged a payment plan with your team that would last until XX/XX/2023, which included adjustments to my account balance after my car was in the shop and a warranty refund was applied to the principal. 



However, on XX/XX/2023, XXXX XXXX reported a late payment on my credit report. This action did not follow the required procedures as specified under CFPB Regulation 1026.13, specifically regarding Billing Error Resolution, section ( b ) Billing error notice. My request for correction is based on the following points : 1. Failure to Deliver Statements : Federal law under 1026.13 ( b ) ( 7 ) requires that creditors deliver periodic statements to the consumers last known address, provided that address was on file at least 20 days before the billing cycles end. I received no statements via my correct email or physical address, preventing me from having knowledge of the billing error in time to address it. 

XXXX. Incorrect Email for Paperless Statements : Upon investigating the issue, I learned that my electronic statements were being sent to an incorrect email address due to a setup error by the dealership. A recorded phone call with your representative confirms this issue, and I have an email record of when I notified XXXX XXXX of the correct email address. 

XXXX. Timely Payment Made : I made a substantial payment of {$1600.00} on XX/XX/2023, which was applied to my account. Given my payment history and recent activity, I would never be 30 days late under normal circumstances. 



As this error was due to procedural oversights on XXXX XXXX  part, I request that this late payment be removed from my credit report immediately. If this matter is not resolved, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 



I hope to resolve this matter promptly and appreciate your attention to the legal obligations involved. Please confirm receipt of this request and inform me of the next steps. 



Thank you for your prompt assistance. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX XXXX On XX/XX/2019 I decided to apply for Chase Cash Wise Credit Card. After applying for XXXX. Upon resceiving my credit card I tried to activate it and was told that my account was closed ; Supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee which will affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to close it while card is on its way.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I had a HELOC managed by Ally Bank on my former home. I sold that house on XX/XX/2021. My title company got payoff information from Ally and the account was paid in full on the day of closing. Of course, I cancelled my homeowner 's insurance on that date as well, since I no longer owned the property. Ally Bank immediately force-placed insurance on the property. I have spent about nine hours on the phone with their customer service department and corresponded by mail explaining that I no longer own the house. They concede that the mortgage account is paid in full but they are insisting that the HELOC is still open. They claim that I owe them the premiums for two years worth of homeowners ' insurance on a paid-off house that I no longer own. I have contacted the XXXX XXXX XXXX XXXX ( the insurer from whom Ally Bank says they have obtained a policy ) and they have not received any premium payments from Ally Bank. Ally Bank is sending dunning letters threatening to foreclose on the property ( good luck with that! )
Product: Credit reporting

XXXX XXXX offered me a payment plan but continues to report my gold card late. I have been paying XXXX dollars per month, but XXXX has not reported this agreement on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I called they dont give you a chance to speak. They keep lying to me that I got letter from them I never received it. I even ask can you resend they would always hang up. They feel the need to yell and scream when someone asks a question and the hang up in my face.
Product: Vehicle loan or lease

This is NOT a duplicate it is a response to complaint # XXXX. 

I still have NOT received an itemized statement including pay off to date. Extended warranty amount should be subtracted from principle. 

What is the actual amount due the documents attached to the complaint # above have a different amount. 

The 15 days hadnt been allowed per WI cure to default laws. 

XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Lane Bryant XXXX XXXX XXXX XXXX, OH XXXX Dear Credit Department I am writing to you today regarding my credit card account XXXX. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to three credit agencies. During the period of the late payment XX/XX/XXXX. XX/XX/XXXX, I was diagnosed with XXXX XXXX. XX/XX/XXXX. 
During this period, this account was established and had was extremely happy with the service, however not the ideal customer. With the mistakes with my handling of the account, my record-keeping failed to comply with the company and I take full responsibility. When obtaining my credit report, did not realize the impact of my credit score.  At one time I had good to fair credit. 

Knowing payment was my responsibility and I am not attempting to justify this breach of my user agreement, requesting Lane-Bryant to review the circumstances under which this non-payment occurred and reconsider removing the negative trade line associated with this account from all three credit reports. 

As soon as I became aware of the balance, contact was made and will pay the unpaid balance in full. I provided this not to justify why the account became delinquent, but rather to show that the issues with Lane Bryant are not a good indicator of my actual creditworthiness. Please consider working with me on erasing remarks on my credit reports. 

I would like to STRESS the information reported is accurate ( not disputing anything with Lane Bryant am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize this is a unique request. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account of its chooses from the credit report. Im praying this request will be granted for this account. 

Your kind consideration in this matter is greatly appreciated. 
XXXX XXXX
Product: Consumer Loan

In 2011 I moved to be with my XXXX father, a VA Veteran, XXXX. I moved from XXXX to XXXX NV and informed Infiniti via phone to update the billing address on file. So that the payment would work. Apparently the lady that " helped '' me never completed the address change. Once I got the forwarded late payment notice from the USPS Mail Forwarding I had set up, I paid the payment to the car. I called and asked if they could wave it since it was their fault, the refused. I was NEVER late like that. I pay my bills. I have XXXX % credit utilization. Now this late payment is stopping me from getting a FHA/VA Loan for my XXXX house. I want the late payment removed since I was technically helping a VET, who served his country for 30 years. My dad has since passed and he would want me to stand up for what is right here. DO THE RIGHT THING INFINITI. Remove this 5 year old " 30-day '' late payment on a {$42000.00} car I bought and payed off clean as a whistle.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I canceled my internet service with XXXXXXXX XXXX I returned the device- router via XXXX XXXX Company claims they havent received the device and tried collecting a fee for not receiving device. I called to let them know I had returned this device. I received a notice later from collections. My credit score is affected by this erroneous charge.
Product: Mortgage

I got foreclosed on and Sheriff sale was yesterday. I was given a Writ of Removal to be out of my house in 5 days. 
This loan is about 20 yrs old. It was a HELOC loan that was interest only and upon due date I didn't have the {$19000.00} to pay it and they wouldn't refinance or extend it. I didn't have a payment set up so I didn't pay. It was charged off for years then put back in force and the bank files foreclosure. I called the bank and they were happy to set up new payments. I made those payments until they notified me to stop making payments as they were going to sell the loan. The loan seemed to change hands alot and lots of messages to not pay, also during covid. The loan servicer, who is XXXX XXXX servicing XXXX, account # XXXX and in my attempts early on they were not willing to work with me. Also, there has been discrepancies in the amount I owed. The buyer of this loan sent me to foreclosure and I submitted to the courts for a Forbearance and expected to see a new court date that I never got. Got notice of Sheriff sale and tried to get legal counsel but couldn't find anyone. I am current on my first mortgage but second mortgage completed sheriff sale and I got the Writ that afternoon. 

Can you help, I want to save my house. I fell I was not treated correctly and want legal help to get extension or legal help.
Product: Debt collection

I recently received a notice from Phillips & Cohen Associates , Ltd., a debt collection agency, stating that they are trying to collect a debt from me that I owe to XXXXXXXX XXXX  XXXX. This is wrong, as I have never opened an account or had any dealings with XXXXXXXX XXXX XXXXXXXX. Also, the address and name associated with this account is not mine, which clearly indicates identity theft. This situation violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect against false reporting and collection of debts that do not belong to me. I request that XXXX XXXX XXXX XXXX, XXXX stop this issue, stop all collection activities, and remove this fraudulent debt from my records immediately.
Product: Debt collection

Multiple phone calls to my husband, in-laws, myself, and my workplace between XXXX XXXX-current. 

One threatening letter. 

The accusation of debt is false and the account number is also false.