23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/XXXX a purchase of XXXX dollars was made via the internet. not using the internet and only using the card at the store once and then paying it in full i switched to paperless billing. a family member used it for the XXXX dollar purchase and not knowing the paperless bill was going to the spam file. after some investigations on XX/XX/XXXX agreed after spending 3 hours on the phone to pay the XXXX bill they told me that they would debit my ATM card for the original XXXX plus interest and late fees. I agreed and told them to cancel my account and I was done with target. on XX/XX/XXXX i again received another bill stating that i owed XXXX sent out from target XX/XX/XXXX after calling them again and spending 2 hours on the phone they explained that i now owed them over XXXX. 
When i looked at the statement they did not as was explained that they would debit my card the original XXXX and after speaking with the dispute dept said that the target rep made a mistake. when asked if i could just pay as agreed due to their mistake the XXXX they refused and stated that i needed to pay XXXX
Product: Debt collection

After checking my credit report often ; I noticed Oliphiant debt collection agency marked my report earlier this month with a balance owed from a personal loan opened between XXXX. This loan was paid off during a payment plan originated after and per this XXXX company whomever they sold his loan to. The young lady stated " we can work out this plan to prevent negative rating on your credit report ''. Which my credit report shows " nice you've paid off 100 % of this loan ''. I just purchased my new home in XX/XX/XXXX meanwhile credit reports constantly being ran and no collections were noted on my report. Of course when I noticed Oliphiant marked my credit report I called them immediately and they demanded payment and I asked them what is his about and they quoted the loan that was supposedly owed over 5 years ago. I disputed this situation with XXXX and XXXX  because I feel it is wrong for Oliphiant to contact me after 5 years on a debt that is marked on my credit report paid in full. I also asked Oliphiant why I never heard from them and they stated they sent me a invoice in XXXX as to which I responded back XXXX was Covid and majority of Americans were not receiving email properly during this time. Every since I have contacted Oliphiant now all of sudden they are calling and texting me about the old debt. Never no phone calls or mail received until recently. Oliphiant violated the notifications law to the consumer and now they are trying to make it seem like they have been in contact with me before they marked my credit report negatively. XXXX XXXX XXXX debt ; who would allow debt to sit there and never contact the consumer.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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

( CREDITOR NAME ) 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 or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXXXXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. 

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the impact of the XXXX and Equifax data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision. 

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness. 

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter. 

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA. 

Thank you for your cooperation. 

Sincerely, [ Your Name ]
Product: Checking or savings account

USAA canceled my checking account 2 weeks ago XX/XX/XXXX without any notification. I only find out because my card was declined. I called and they said that they needed some docs they never asked for. Turns out they sent letters to my deceased grandmother address ( they cant tell me which address either ) which they didnt have because all the correspondence for her was sent to my address. Last week on XX/XX/XXXX I called to ask for my check and they said I have to wait XXXX days ( would be arriving latest tomorrow Wed ). I ask to speak with a higher up and the person said she would cancel the original check and send an expedited check that would arrive earlier and no later than today Tuesday XX/XX/XXXX. Today I called again and such expedited check hasnt even been mailed! I havent been able to pay any of my bills, my XXXX compensation was returned from direct deposit and MY MONEY is still with this bank after 2 weeks! 

The check I am waiting for is for the amount of {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Product: Mortgage

Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX
Product: Debt collection

I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed
Product: Credit reporting or other personal consumer reports

This matter concerns a dispute regarding a collection account reported on my XXXX credit report by XXXX XXXX XXXX. I contend that XXXX has failed to properly investigate my dispute concerning this account. Notably, XXXX, another major credit reporting agency, has already removed this collection account from my credit report following a thorough investigation. It is important to recognize that credit reporting agencies, including XXXX, XXXX, and Equifax, typically receive the same information from data furnishers such as XXXX XXXX XXXX. 

XXXX XXXX XXXX is falsely reporting late payments on the collection account, thereby falsifying the date of last activity. This manipulation prevents the account from aging off my credit report within the statutory timeframe, artificially prolonging its negative impact on my credit score. This practice constitutes a violation of the Fair Credit Reporting Act ( FCRA ) by disseminating inaccurate and misleading information. Furthermore, this conduct directly contravenes 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that furnishers of credit information, such as XXXX XXXX XXXX, employ reasonable procedures to ensure the accuracy of the information they provide to credit bureaus. 

The Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against XXXX for various violations of consumer financial laws, including the FCRA. This ongoing litigation underscores a pattern of disregard for consumer rights and the critical importance of accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}
Product: Consumer Loan

On    XXXX   XXXX   XXXX   I went online to the my Syncrhony website to make a payment. Upon submitting the payment the website provided an error and the payment did not go through. I then had to close the website completely go to another pc as the website would not work and submit the payment. I received a confirmation the payment went through. Today i received a call that my payment did not go through was late and needed to be made. When i asked if i was reported late the person said i do n't know. I told then this was not acceptable as i made the payment. The person said i do n't know if your credit will be affected. this is not acceptable i made the payment. I then asked to speak to a manager who says she will  waive the late payment charge when i ask about my credit she says you did not login on line on the  XXXX  you tried to reset the pw only. I assure you not only did i login i received an error, went to another pc in my home, reset the pw and made the payment. She says she will open the investigation but no one will tell me if my credit is affected. This is not acceptable. Further, we have another synchrony account and when we tried to login to make the payment today it says the website is down so clearly the website does not work. Something is wrong on their side and they claim i did not make the payment. I have not missed a single payment on either account yet they want to damage the account standing. this is not acceptable. I want resolution. When they said they would open a ticket she said may be 3-5 days but no guarantee it will be that would be longer. This is not acceptable. Please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX Todays Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine Not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
never late XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these accounts ASAP.
Product: Checking or savings account

Chase Bank closed my account on or about XX/XX/2022 the reason they claimed was that i deposited 2 checks with a small amount that was a third party check and they requested that i should bring in the check maker and payee to the branch with identification up to 10 business days and i was not able to do that so they closed my account with all the money in it even checks written to myself and didnt want to release all of the the money which was about {$1800.00} i called them and not got any help after wasting hours on hours on the phone and going into the branches i spoke to a supervisor on XX/XX/2022 and she told me that the money was sent to the state but she can not give me any information to which department it was sent to and what date it was sent so i contacted the state comptroller 's office and they said that they did not receive any funds under my name so I am still waiting for my money to get back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account from my credit files many time transunion has yet to remove it this matter has been longer than 30 days now and needs to be remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 17 hard inquiries on my credit report, 13 of which were for the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with XXXX today ( XX/XX/XXXX ), and they refused to help me.
Product: Debt collection

XX/XX/XXXX I took out a loan with Spring Leaf financial ( Per conversation with Spring Leaf and her consumer credit report ). XXXX XXXX, Spring Leaf, and One Main Financial merge companies. My consumer credit report states the loan was closed on XX/XX/XXXX due to refinance of account. On XX/XX/XXXX there was a civil judgement filed against me stating that I took out a loan for {$5000.00} with XXXX XXXX and it was unpaid. I contacted One Main and they stated they sold the account to Spring Leaf. I contacted Spring Leaf Financial and they indicated to me they had sold the loan to XXXX XXXX. I contact XXXX requesting copies of the orginal loan documents with my orginal signature stating I have a {$5000.00} loan with XXXX XXXX they stated they do not have the file however the original loan from Spring Leaf had been written off. We are asking for a satisfaction of Judgement.