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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This complaint will indefinitely outline Experians ( credit reporting agency ) lack of properly investigation inaccurate accounts on the on my credit file. In result of the inaccurate investigation and inaccurate reporting its causing a financial hardship and burden for me. 
On XX/XX/XXXX I requested in writing for the company to investigate the inaccurate accounts that they are continually reporting on my file. I received a response on XXXX XXXX stating all the accounts were accurate and verified along with a copy of my credit report. I begun to do my own investigation by reaching out to the companies on my file. I later found out those same companies dont have anything accurate or any original contract/agreement with me. On XX/XX/XXXX I again requested on writhing from Experian to please send me proof of the original investigation and asked them their method of validation. I informed them I reached out to the companies and they have nothing accurate or original just bills they claim are mine. I also informed Experian that the amount they are reporting on some of the Accounts owed was different from the company ( s ) bill. On XX/XX/XXXX Experian responded and again stated all accounts were verified and accurate without send me proof or stating how they verified them. On XX/XX/XXXX I expressed to Experian how disappointed I was to know they are not doing the right thing and to please verify my accounts and if they cant be verified to deletes them my credit file. On XX/XX/XXXX I received the same response as before however they told me to call one company and asked them for more information. I began to realize that they are not doing their job accurately because is so I wouldnt be going through this. XX/XX/XXXX I sent another letter requesting them to thoroughly investigate, validate, verify, and not use the EOSCAR system. XX/XX/XXXX I received a letter from Experian stating I can Request a credit report for {$8.00}. They totally disregarded To properly respond to my writing request asking them to not use the infamous EOSCAR system and manually investigate my accounts. Im in complete disbelief that they can get away with this. Im even more disgusted that I pay Experian monthly for credit monitoring and this is the treatment we get as consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/2015. It has been XXXX  years since this account reported. As the FCRA states that accounts XXXX  years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. XXXX has not removed this information as well.
Product: Debt collection

On XX/XX/year>, I logged into XXXX and saw that I had a collections request from Waypoint Resource Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ). 

Waypoint Resource Group had issued a collections request for {$230.00}, and the original creditor was listed as " XXXX XXXX. '' I have never had a XXXX account. I have never had XXXX XXXX, XXXX XXXX, XXXX XXXX, etc., so I submitted a dispute to XXXX on XX/XX/year>. 

This dispute was closed on XX/XX/year>, and when I called XXXX, they said that the collector ( Waypoint Resource Group ) had confirmed they were trying to collect funds from me. 

In addition to me having NEVER had a XXXX account ( voice, internet, cable, etc. ), I have yet to receive a single notice about this supposed outstanding debt. I have not been called, texted, emailed, nor received any piece of mail about this supposed debt. 

On the collections request, XXXX had listed the collections request was originally created by Waypoint Resource Group on XX/XX/year>. I have gone through my emails, calls, and texts, and I do not see any way they would have contacted me. 

Again, I have never had a XXXX account. 

When I looked the address up on XXXX, I saw many reviews stating they were in the same situation as myself. This is XXXX of the reasons I created the complaint. I am concerned they are acting in a predatory manner. 

The reviews say that Waypoint Resource Group contacts them about a fictional XXXX bill, and even after the bill gets dismissed ( or the debtor pays to avoid the hassle of filing a complaint ), the company comes back with another collections request. 

I have never had a XXXX account of any type, and I have never been contacted about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the presence of an inaccurate hard inquiry on my credit report. The inquiry in question is attributed to XXXX XXXX and has had a negative impact on my credit profile. 
Upon reviewing my credit report, I noticed that a hard inquiry from XXXX XXXX was listed, dated XXXX XXXX. However, I have not initiated any credit-related activity or authorized any credit inquiry from XXXX XXXX XXXX or around that date. 
I must emphasize that this inquiry is not reflective of any credit application or authorization made by me. I have taken proactive steps to maintain a responsible credit history, and any unauthorized inquiry goes against my efforts to manage my credit responsibly. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into this matter. I kindly ask that you promptly verify the accuracy of the XXXX XXXX hard inquiry and provide a detailed explanation of its origin.
Product: Debt collection

MERCANTILE ADJMNT BUR Paid-However creditor left on report as open collections. And needs to be removed. 
XX/XX/2019 XXXX
Product: Credit reporting

On XXXX XXXX, 2016 I applied and was approved for XXXX credit cards at XXXX XXXX Bank. XXXX credit cards have the identical credit limit of {$3000.00} XXXX credit cards accounts were opened on the exact same day ( Acct XXXX & Acct XXXX ). Unfortunately Transunion has refused to report XXXX accounts because I was told by a representative that they think the accounts are duplicates. Two months ago XXXX XXXX Bank requested that they add the account to no avail. Both XXXX and XXXX are reporting XXXX accounts the only hold out for 3 months is Transunion. Can you please help me because this inaccuracy is hurting my credit score.
Product: Prepaid card

Purchased the gift card and the card will not allow me to check the balance and spend money from it. Website says I am declined from the server on XXXX
Product: Mortgage

XXXX is the loan Fay Servicing is servicer. 
I was behind on the loan about 3 mths. Explained that a combination of XXXX on my XXXX  and major repairs required on the property. I sold one property on XX/XX/20 and paid XXXX {$150000.00} + out of a previous payoff of {$250000.00} now they are saying I still owe {$110000.00}. Their final should not exceed {$100000.00}. ( 1 ) They fail to give consideration to the waiver of default interest since it was due to illness. ( 2 ) They have failed to refund me for insurance that they bought and should cancel and refund me.
Product: Credit card or prepaid card

The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.
Product: Checking or savings account

On XX/XX/2019 I stopped at an ATM machine outside a bank branch in a grocery store to make a deposit for {$1800.00}. The deposit contained a combination of checks and cash. After the machine received the cash it opened the sliding door to receive the checks and in the process of scanning them the machine froze. I waited by the machine until the screen changed and asked me the total amount of the deposit I was trying to make where I entered {$1800.00} and a receipt printed out detailing the error and instructing me to call the bank to file a claim. I filed this claim while standing in front of the ATM and detailed the deposit as best I could. After not hearing anything from the bank for 10 days I called to follow up since I had to borrow money to cover my bills and the interest was adding up. I was told it could take up to XX/XX/XXXX before I heard anything. Then on XX/XX/XXXX I checked my online banking and see a deposit for {$1800.00}, so I thought it was all done. However, this morning ( XX/XX/2019 ) I received a letter from USBank stating they have completed their investigation and my {$1800.00} deposit was being reduced by {$1100.00} and the debit would be made today XX/XX/2019. I called the bank again since the letter said I could get copies of any of the documentation used in the investigation and was told there was no documentation on my file, and the banker wasn't sure how that amount was derived. I was then told I could create a new claim which could take up to 45 days! At a loss I had them start a new claim and in the process was told to contact the bank branch manager since they may have more of the ATM information, or could possibly have the documentation referenced in the letter I received. After I finished the call with the banker I contacted the branch location and found that the manager has been out on vacation and the ATM machine is due to be counted tomorrow and has not been counted since my initial deposit date of XX/XX/2019. Meaning the bank hasn't even looked in the ATM to reconcile my deposit, but has decided my deposit was short {$1100.00} dollars causing me to have to borrow money and pay interest on that borrowed money from XX/XX/XXXX to the XXXX, and now again with no notice at all will pull the {$1100.00} from my account forcing me to pay interest on a credit line until the next investigation is completed. At this point I have no idea if my deposit is actually being counted or if the bank is just making up totals to see what I will accept as a loss. Meanwhile I'm paying interest on borrowed money while I wait for the next 'investigation ' which may or may not include actually looking inside the ATM to see if the cash and checks are there and adding it all up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX SE 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 an account without my written instructions/consent. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ' Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to formally dispute a fraudulent collection account that has been unlawfully reported to my credit reports by National Credit Systems on behalf of XXXXXXXX XXXX XXXXXXXX XXXX. I applied for an apartment on XX/XX/year>, got denied a few days later, and the fraudulent charge was placed in collection on XX/XX/year>. This collection account is entirely inaccurate, as I have never owed the debt in question. Additionally, National Credit Systems has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempts to collect this illegitimate debt. 

Violation of My Consumer Rights : 1. Illegal Contact by National Credit Systems -National Credit Systems unlawfully contacted me by phone regarding this disputed debt.

-I formally requested a Cease and Desist letter from them, which they failed to provide, violating my rights under 15 U.S.C. 1692c ( c ) of the FDCPA.

2. False and Misleading Reporting of Debt XXXXXXXX XXXX XXXX  XXXX falsely reported an unpaid application fee as a debt in collection. 
-Common sense dictates that my application results ( whether approved or denied ) could not have been processed if my application fee had not been successfully paid. 
-I have documented proof, including email correspondence, confirming that my payment for the application fee was successfully processed and that I later received a denial decision. 
-Reporting inaccurate financial information to credit bureaus violates 15 U.S.C . 1681s-2 ( a ) ( 1 ) of the FCRA, which requires furnishers of information to provide only accurate and complete data.

3. Damage to My Credit, Financial Harm, and my background and tenant screening reports -Due to this false and illegitimate collection account, my credit score has been significantly impacted across all three major credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX. 
-I have suffered financial hardship, including higher interest rates and difficulty securing housing due to this inaccurate and defamatory report. 
-Under 15 U.S.C . 1681n and 15 U.S.C. 1681o, I am entitled to damages, reimbursement, and compensation for the harm caused by these violations. 


This account in violation on my credit report is : National Credit Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME XXXX XXXX REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX  AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER XXXX YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.
Product: Vehicle loan or lease

Between XX/XX/XXXX and XX/XX/year>, I made XXXX advance payments of {$3200.00} towards the principal of my vehicle loan. This payments were intended to reduce the principal balance and, consequently, the amount of interest and future monthly payments. However, despite this advance payment, Santander Consumer USA has decided to charge me the same monthly installment amount along with the same number of months as before the advance payment was made. 

I believe this practice is unfair and deceptive, as it fails to reflect the financial impact of the advance payment made towards the loan. According to my understanding, advance payments should either reduce the principal balance, resulting in lower future payments or shorten the loan term, depending on the terms of the agreement. In my case, neither of these adjustments seems to have been made. A representative from Santander told me that this type of information is not disclosed to consumers and the best to do is to keep paying and they will let me know when to stop when the loan has been satisfied as their discretion. 

I have contacted Santander Consumer USA customer service multiple times to address this issue, but I have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, Account name : # XXXX, Account name : # XXXX, Account name : # onemain, Account name : # XXXX XXXX, Account name : # 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 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 ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Checking or savings account

I had called the bank 's customer service 2 to 3 times last week to close a 12 month CD of my. The reason is very simple, I was forced to transfer the account over by XXXX and the APY is quite low. Their customer service first informed me that I can't transfer savings directly online and then said they can close the CD ( no fees ) and mail the checks to me. They said they need customer service to contact me again by phone to confirm. This process is ridiculous and the customer service is not professional. I waited for their calls for 1 week and did not receive a call from them until today!

So I was forced to file a complaint against the bank and ask for assistance in resolving the issue as soon as possible.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High God. Per the FCRA as a federally protected consumer and child of God. I am formally opting out of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXXXXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. 

Account : XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs due to their so-called " lawful reporting ''. The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX XXXXXXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Product: Debt collection

I am a victim of ID theft and my identity was compromised, I filed a police report with XXXX XXXX division and they have an ongoing investigation for my wallet being stolen along with my luggage, my passport and ss card and I had to get a new passport issued in AZ through the bureau of consular affairs which should be on record along with a new ss card. 
I recently filed a new police report for the fraudulent accounts which I will attach to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with Clarity Services, XXXX and XXXX  but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.