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 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 XXXX  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 XXXX  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: Payday loan, title loan, or personal loan

In XX/XX/XXXX I borrowed {$700.00} from target cash or target finance is what it says on my bank statements. I got the loan over the internet. For a loan of {$700.00} starting on XX/XX/XXXX they 've taken XXXX at the beginning of the month in which I 've paid {$890.00} at an interest rate of 742.63 % I 've paid them beyond what I borrowed and may owe a little more but they are expecting a total payment of {$1900.00} in total by the time I 'm done which wasnt expected and I ca n't afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$8.00} ; XXXX XXXX Balance Owed : {$160.00}
Product: Credit reporting or other personal consumer reports

I came to find out after checking my credit report that there have been fraudulent accounts opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. 

There are accounts which are UNAUTHORIZED and were not opened by me! 

The following accounts MUST be removed from my credit report as they are fraudulent and incorrect : XXXX XXXX XXXX, XXXX {$450.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} SOS XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00} XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXXXXXX XX/XX/XXXX {$4600.00} XXXX XXXX XXXXXX/XX/XXXX {$640.00} XXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX ( though it said XXXX on my caller ID ), and it went to voice mail. I have the message sent to me in text ( a paid service from XXXX ) wherein the company says the following : " Good afternoon this is XXXX XXXX debt collector with Cawley & Bergman 'following-up on previous calls and letters ' [ no such calls or letters exist ] about an 'important PERSONAL business matter ' [ what does that even MEAN??? ] that has been palced in my office. This is not a sales call. Please return my call as soon as possible at XXXX. I will be in the office today until XXXX XXXX  Central. Your prompt attention to this SENSITIVE matter is appreciated. '' I called the number back, livid that a company would leave such a message and having my own attorney on standby ( a friend who specializes in debt collectors practicing bad business ) whereupon I explained that I would like to know what they meant by a " personal business matter '' and said that I had an attorney so to please give me a straight answer. She talked over me entirely and only kept asking about my attorney 's information. I explained I needed to know what the call was about and she said she needed to " verify my identity '' before explaining. I asked her to " go for it please, because I would like to know what you are calling me about. What do you need to know? '' It was then her " supervisor '' got on the phone and everything went south. I wish I had recorded the call but I can not recall a time being treated with such disrespect - talking over me, not letting me say a thing, yelling .... 

PLEASE give some attention to this matter. I know my rights, and I am very comfortable with the laws around this sort of thing. I could not just let this go by without filing a complaint. A personal business matter that's apparently sensitive?? Please. 

Again, please kindly pursue this as I really hope nobody else has to endure such bad business and skirting the law. My friend/attorney would surely find that they are breaking several laws, I just know they need to be stopped. 

All my best, XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureau TransUnion to do a verification with everything on my credit report and they did and stated everything was accurate. I did a thorough research myself and found improper, inaccuracy on the credit report even after they did the thorough research. 

Trans Union credit Bureau XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions l
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i XXXX like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX XXXX and transunion have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the XXXX act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Product: Credit card or prepaid card

Netspend charged me too many fees .they refused to dispute a transaction fraudulently made in another state. Then they closed out my account and told me they sent a check that I never received after almost 2 yrs. They also informed me that they sent a check to an address that doesnt belong to me and told me theres nothing else they can do. These reps are rude, they hang up on u and when I ask to speak to a manager they say they are the manager or no speaking to a manager wont make a difference. This prepaid card Netspend and bank is a disgrace. Even their advertisement is wrong. They over charge fees and they dont secure your money as they should and are not willing to give back when they XXXX up. I just want people to have a heads up about this company because they are a legit scam
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXXXXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.
Product: Mortgage

Today XXXX XXXX, 2016, I tried to make my primary home monthly mortgage payment to Wells Fargo Home Mortgage and they would not accept it. I presently an behind by 3 mortgage payments. By them not accepting today 's mortgage payment I will be 4 months payment behind.
Product: Debt collection

My company, XXXX XXXX XXXXs, XXXX received a business loan from LoanMe, LLC on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. LoanMe, LLC charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX District court on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.
Product: Checking or savings account

Submitted a complaint a while ago and my statement was clearly twisted. " Your company ALLOWED '' someone to steal my money and make revisions to my account and transfer it out. This is the absolute only way it could of been taking is to be transferred via a dtcc or acat transfer. This large amount of XXXX could of not gone in one large batch. It would of required a medallion signature and occurred somewhere in XXXX Who ever stole it which I believe is the same person who did it in the past, probably switched the tax id number and name. Please check your records for large amounts that total XXXX  from a particular account. I would bet it is my account. XXXX XXXX and their fraud team will be able to search. 

Case XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Account Number ( last 4 digits ) : XXXX, XXXX, & XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing you on behalf of FNBO, in response to your complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) . We received the complaints on XX/XX/XXXX and XX/XX/XXXX. As we understand it, you expressed concern that you have been unable to locate your account and your assets with FNBO. You stated another individual was allowed access to steal {>= $1,000,000} from your account and then transferred the account to another financial institution. We appreciate you sharing your feedback with us and hope the information below will help to address your concerns. Our records show you have two open deposit accounts with FNBO, a sole owner checking account ending in XXXX and a savings account with XXXX XXXX XXXX listed as the minor account holder ending in XXXX. Your most recent account statements for your checking account and savings account are enclosed. The statements show your account balances as of the statement closing dates. You also had a checking account ending in XXXX that was closed on XX/XX/XXXX. That account had a zero balance since the close of your XX/XX/XXXX account statement ( enclosed ). You added a verbal password to your above-referenced open accounts on XX/XX/XXXX. For the security of your accounts, that password will be requested each time you call. Additionally, your accounts do not have an associated Power of Attorney ( POA ) on file as of the date of this letter. We searched our records and were unable to locate an account in your name or in XXXX name, containing the dollar amount referenced above. Thank you for giving us the opportunity to reply to your concerns. Sincerely, XXXX XXXX Office of the President, FNBO  XXXX Enclosures ( 3 ) CC : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

I have notice an unauthorized inquiry on my credit report on XXXX XXXX that was XXXX bank. I contacted XXXX XXXX and they put a fraud alert on my account. On XXXX XXXX I got an email from capital one saying that XXXX XXXX 's has added me as an Account user on her account that is actually my account. Super confusing. I was on the phone with capital one all day they were unable to help me so I have decided to check XXXX just to make sure there wasn't any suspicious activity. When I long in I found out that they have my address changed to some California one. I live in XXXX XXXX, CO. 
here is the address that was on my account that is not associated with me -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
I called XXXX fraud department and they removed the address from my account. But they told me to file a repot with you. I also put a freeze on my account.
Product: Mortgage

I was trying to obtain a loan modification was the new loan servicer -- Selene Finance. They took over the service of the loan in XXXX of 2022. The prior servicer was XXXX. 

Selene Finance LP ATTN : Customer Service XXXX XXXX XXXX XXXX XXXX, PA XXXX I also have a trustee sale date on XX/XX/2022. So I have also requested information to eiher a reinstatement of a pay-off quote. The main issue I am having is their accouting. By my calculations, the alleged reinstatemt amount ( and all prior resinstatement letters ) appear to have miscalculations and are off by {$35000.00} to {$60000.00}! I have sent requests to clarify this alleged accounting errors, but I have not received a reply from Selene. 

And, the reply I received from XXXX made no sense. Below are some question I provided to Selene 's Customer Service Reseach department. If you follow the request for clarifications and the prior amounts allegedly due to the lender, you will see the problem I am having.
Product: Debt collection

Allied/ Nevada XXXX XXXX Inc dba XXXX XXXX put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.
Product: Credit reporting or other personal consumer reports

I have requested for an full update of my account or removal for over 4 months and still have not receive neither.
Product: Credit card

I closed my credit card account and was told there was no balance and no pending transactions ) They even refunded a membership fee ) next month I get an email showing I had charges and a late fee. I called citibank and spent an hour on the phone. I'm willing to pay the balance but I feel the late fee is unwarranted because when I closed the account I was told there was no money owed and there would be no more charges on the card. I spoke to XXXX different representatives asking for the late fee to be removed since I feel it's not my fault since I was told the account was closed and no money was owed.
Product: Debt collection

I received an email for a settlement offer on XX/XX/2020 from AmerAssist in the amount of {$270.00}. On XX/XX/XXXX, I mailed out a money order for the settlement offer of {$270.00} at the United States Post Office.  This was scheduled to be delivered on XX/XX/2020 before the due date of XX/XX/2020. However, due to COVID 19, there must have been a delay in mailing. I have no control over the post office mailing. This payment has not been honored and does not reflect as settled on my credit report. AmerAssist is still sending harassing emails for payment when payment has been received according to the tracking information. They are refusing to honor the settlement.
Product: Mortgage

Simply can not find anyone in this company who can provide any level of customer service. Sadly, multiple decades of great service with the company that serviced my mortgage - but New Rez took over my mortgage and since then zero meaningful assistance. The worst mortgage company I have ever dealt with and they just appear to make things up as they go. Every time you call it's a different story. They should change their name to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the XXXX Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all XXXX credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, XXXX XXXX XXXX Transunion now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Product: Debt collection

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

Debt Collectors do not have any lawful right to be in possession of my identifying information. 

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. 

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Personal Loans {$4100.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$4100.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$5400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4100.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Remarks Charged off as bad debt. Profit and loss write-off.