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

My account with XXXXXXXX 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 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 on my 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

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

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  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

My check account was locked out and froze by Huntington National Bank on XXXX XXXX XXXX  I was locked out with out any notification.. 
Between XXXX XXXX XXXX  and approximately XXXX XXXX XXXX Huntington National Bank Fraud Department allowed obviously forged counterfeit fraudulent checks to be deposited into my account.Even though I was locked out and froze for suspicion of fraud. I dont know the exact number of forged counterfeit checks that were allowed by Huntington National Bank Fraud Department to be deposited into this froze account or how many thousands of dollars were laundered. I do know that I should have north of XXXX to the good at my disposal today. I am mentally XXXX and a vulnerable Adult.Huntington National Bank Fraud Department took my regular scheduled social security direct deposit and put it on hold sometime around midnight XX/XX/2022. The funds in the amount of XXXX were then placed in to said locked firing foreclosed account somewhere around XXXX am on XX/XX/2022 Huntington National Bank Fraud Department took my check and with held it to pay the negative balance and every line item overdraft fees on the account. 
They were so gracious to allow me to have XXXX of my money out of my Rightful more than XXXX of my dollars. They have embezzled my Government only source of income to pay for their incompetence in allowing XXXX of dollars of obvious known counterfeit forged checks to be funded when I had no access, or alert or knowledge that something was happening. Even today XX/XX/2022 Huntington National Bank Fraud Department refuses to even reverse 1 accessed overdraft fee to bc allow me to bc go bc buy something to eat. I bc went from Monday XX/XX/2022 to bc Saturday XX/XX/2022, with out so much as a crumb to eat due to Huntington National Bank Fraud Department not allowing me access to XXXX XXXX of my missing over XXXX cash.And to make matters worse, when I asked a Huntington National Bank Customer Service Specialist if I could somehow apply for a small loan to pay my rent, I was flat out told no.. Have no right as a human being to try to apply for a small loan
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 48 financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to do a car loan with XXXX XXXX XXXX of XXXX XXXX Fl. Worked with XXXX XXXX, and through verbal communication we where assured our credit pull once was good for thirty days. Hard credit pulled- good for 30 days. One hard credit pull was legally agreed to. They did a hard credit pull three additional times, without consent. 

Ive attempted to have this issue fix since XX/XX/XXXX of 2019. I have attempted to have Experian Creidt monitoring help, their phone service does not allow help via phone. I can not make these changes on my own, through there website. I need help. Ive also contacted XXXX review, voice messaged the general manager XXXX XXXX  XXXX and those three unauthorized hard credit pulls are still on my credit report for three years. I want them removed, please. 


Ive even write a hard felt plea to please help remove those unauthorized hard credit pulls. 
Here are the unauthorized hard credit pulls -XXXX XXXX  -XXXX/XXXX XXXX  -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.
Product: Debt or credit management

Transunion allows XXXX and XXXX to report on my credit report without evidence of providing validation. XXXX and XXXX and Transunion are harassing me and illegally obtained my information and placed me into collections without sending validation of debt. XXXX and XXXX is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to XXXX and XXXX so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. XXXX and XXXX has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. XXXX and XXXX needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.
Product: Checking or savings account

On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. 

XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. 
The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature.
Product: Credit reporting or other personal consumer reports

I spotted NFCU did a soft pull without my permission. 

Address of the inquiry is XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Product: Debt collection

I contacted RS Clark and Associates regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 RS Clark has ignored my request despite it being 72 days since they got the letter. They have not proved this debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

I have reached out to everyone that has inaccurate information reporting on my credit report and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  credit card with Commenity bank in XXXX to XXXX it closed and I havent dealt with this company since then. I filed bankruptcy and it was discharged XX/XX/XXXX, I called and advised them prior to it being filed and after filed given case number etc. They went on my report and filed a inquiry from XXXX as if I applied for an account and made remarks after knowing it was discharged with that causing my credit to be decreased and still having the inquiry on my report today. I have been calling company several times to ask them to remove inquiry she said she doesnt know why that was done and it will be fixed but still not fixed yet. Im calling but keep being transferred and spoken to in a rude manner and hung up on every time I call and put my number in it wont get answered and Im being penalized after doing everything legally.
Product: Credit card or prepaid card

My Barclays credit card was fraudulently charged {$5200.00} on XX/XX/XXXX. When I realized this on XX/XX/XXXX or XXXX, XXXX I went online to the Barclays website and reported it as a fraudulent charge. I received an automatic response that they would look into it. 
The next day my credit card didn't work and I realized that they had canceled it. They emailed me that they were removing the charge. They sent me a new card. 
On XX/XX/XXXX I received a form letter from Barclays ( XXXX XXXX XXXX XXXX XXXX  XXXX ) saying that their investigation had determined that the charge was valid and it had been put back on my account. 
I called the telephone number shown on the letter ( XXXX ) and assured them that it was NOT a legitimate charge. 
The customer service representative told me that I had to contact the vendor and tell them they had made an error and ask for a credit. They gave me a telephone number ( XXXX ) and told me it was an XXXX XXXX store in XXXX, XXXX XXXX 
There was no answer and no voice mail on that phone number. 
I called Barclays again and another customer service representative assured me that it was IN FACT a legitimate charge, for me under my name, at my address, using my credit card ( which has a chip in it ). She read me a list of construction supplies including labor, plumbing and trash removal but refused to send it to me. She said several times that I was probably forgetting that I had made this purchase. And if not forgetting, that I was lying. 
She told me the only thing I could do was file a police report. 
I have filed a police report against Barclays, and also a complaint with the XXXX  State Attorney General 's Office. I faxed these materials to Barclay but have heard nothing from them. 
They have now added an interest charge of {$150.00} to my Barclays credit card account. 
I have had that card for several years and pay my bill in full every month. This is the first time I have had a fraudulent charge.
Product: Mortgage

I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX XXXX XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX XXXX. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help. 
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.
Product: Debt collection

Pressler and Pressler, L.L .P file a motion to turn over funds from my bank account they enter a judgment they say in   XXXX   For the sum of  XXXX  plus cost from   XXXX   XXXX   XXXX   XXXX   XXXX   they already levy from the account  XXXX  on  XX/XX/XXXX  they give false statement to the court that they hold the debt to collect I file a claim before to cfpb the  XXXX   XXXX   XXXX  said they sold the account to  XXXX  and the no longer have the right to collect but they has the civil action against me they said they will continue with collection process