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

My account with XXXX XXXX XXXX XXXXwas 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 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 AND XXXX 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
Product: Credit card

I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed mymEquifax credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Credit reporting or other personal consumer reports

Improper Reporting of Canceled Debt and Failure to Provide Form 1099-C Dear CFPB, I am filing this complaint to address two issues : ( 1 ) the inaccurate reporting of a canceled debt on my credit report, and ( 2 ) the failure of the creditor to provide me with the IRS Form 1099-C as required by federal law.

Facts of the Matter : 1. The creditor has reported the debt as a charge-off ( or settlement/repossession ) on my credit report. Under IRS guidelines, a charge-off or similar action is considered evidence of debt cancellation, triggering the requirement to issue a Form 1099-C for debts of {$600.00} or more.

2. To date, the creditor has failed to provide me with a Form 1099-C, despite IRS regulations requiring that it be issued by XX/XX/XXXX of the year following the debt cancellation or charge-off. 
3. Reporting the debt as a charge-off on my credit report implies that it is still owed or collectible, which contradicts its classification as canceled income for tax purposes.

Relevant Laws and Regulations : Internal Revenue Code ( IRC ) 6050P : Requires creditors to issue a Form 1099-C for canceled debts of {$600.00} or more and provide a copy to the debtor by XX/XX/XXXX of the following year. 
Fair Credit Reporting Act ( FCRA ) : Requires furnishers of information to ensure that all information reported to consumer credit reporting agencies is accurate and not misleading.

Issues and Impact on Me : 1. The continued reporting of the debt as a charge-off on my credit report is misleading and inaccurate, violating FCRA requirements. 2. The creditors failure to provide me with the required Form 1099-C
has created additional confusion, as I am unable to confirm whether the debt has been properly canceled for tax purposes.

3. This inaccurate reporting and lack of documentation have caused harm to my creditworthiness and financial planning.
Product: Credit reporting or other personal consumer reports

2nd NOTICE : The first CFPB report number # XXXX I stated that Kikoff is reporting different information to the big 3 credit bureaus and I requested a factual investigation. Instead of a factual investigation and removal of the non-factual and accurate up to date information Kikoff sent me " validation '' of this debt. FCRA requires companies to report accurate, up to date and factual information.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for unfair and deceptive practices regarding my tenancy. Initially, I was charged {$500.00} for damages and cleaning fees, but XXXX later charged my credit report {$700.00}, an increase of nearly {$200.00} without explanation. Additionally, they used aggressive collection tactics, threatening a 40 % increase and sending the charge to a collection agency, damaging my credit. 

The property had pre-existing issues, including a cockroach infestation, and I have an invoice from the previous tenant confirming ongoing pest problems. The previous tenant, XXXX XXXX, confirmed she left behind belongings and furniture, which XXXX is attempting to charge me for cleaning and removal. I paid {$1700.00} in rent, and based on the charges applied, I should have received some of that money back, after accounting for rent and late fees. 

XXXX from XXXX never conducted a move-in inspection, so he can not prove I was responsible for light bulbs or the air filter, especially when the AC unit was repeatedly malfunctioning. I have video proof that the home was cleaned before I returned the keys, as well as text messages confirming that I removed the trash cans and any bulk trash I had. 

Moreover, I should not be held responsible for the previous tenants belongings left behind, including furniture and trash. I also have a statement from the previous tenant acknowledging that she left her belongings in the property. 

Given the circumstances, I request the following : XXXX. The removal of the fraudulent {$700.00} charge from my credit report. 


XXXX. Reimbursement for the ceiling fan ( {$60.00} ) and curtains/rods ( {$100.00} ). 


XXXX. The return of the portion of my deposit that was wrongfully withheld. 


XXXX. A cessation of further collection attempts by XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX. A full investigation into their practices to prevent future tenants from experiencing similar issues.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

CitiMortgage paid our 2017 property taxes of XXXX my wife and I paid them back in full and paid our winter taxes on XX/XX/XXXX2017 and they told my wife that they would return our mortgage back to normal of XXXX a month and they lied like they always do, now they are trying to foreclose on our house they raised our monthly payments to XXXX a month through all this we have never missed a payment and they are still going ahead with foreclosure on us and we have never missed a payment in sixteen years we less than half the time to pay off our house please help us keep our house. I have put a lot of our money in the house to keep it up just to lose it to a big back even after we lost half of its value in the house after the market crashed we stayed when everyone else left there house we stayed and continued to pay for it. They have damaged our credit so we ca n't refinance with another bank.
Product: Student loan

To whom it may concern, I would like to document a recurring issue I am having with my student loan servicer NELNET. I graduated in XXXX with the total original amount awarded {$150000.00} and to date {$140000.00} Paid Off. Yet my current balance remaining/owed is {$38000.00}. In the original payment plan that I applied for when I entered the graduate XXXX XXXX at the age of XXXX XXXX XXXX, my understanding is that I would have a total of 10 years or 120 payments. And there was no clear explanation that interest on my loans would be capitalized ( compound interest vs simple interest ). 
On several occasions over the years I have reached out to NELNET regarding different payment amount ( s ) due. One recent example is on XX/XX/XXXX my amount due was {$330.00}, then on XX/XX/XXXX my amount due was {$310.00}, and as of today 's date XX/XX/XXXX my amount due is {$530.00}. The mass fluctuations appear to be intentional and misleading in nature, an attempt on behalf of NELNET to practice predatory lending and provide misinformation. 
The offices at NELNET have taken over 45 days to process an income driven payment application ( submitted on XX/XX/XXXX and as of today 's date XX/XX/XXXX it is still processing ). This timeframe is not reasonable. Of note, I even have an IDR application dated XX/XX/XXXX that is still " in review '' which makes zero sense. 
Additionally, as per the federal department of education, payments were supposed to be readjusted by NELNET in a recount for borrowers. However NELNET has yet to inform me of what my readjusted payment count is, despite my previous complaint. I hope this can be resolved not only for me but for many student loan borrowers who have been misled and misinformed for too long.
Product: Checking or savings account

Hi, my problem is on last Sunday ( XX/XX/year> XXXX ), I went to the citi bank ATM to deposited cash, after I put money into the ATM machine, I checked the balance I found out the XXXX dollars didnt go through to my account, I called the citibank right away they give me a claim number, they said let me to wait a couple of days, but until now they didnt solve the problem for me. Could you guys help me to find out where is my money, bc this is not a little money, Im really scared the money will never back to my bank account. The ATM number is XXXX. And I have two claims number one is XXXX, and other one is XXXX. bc I called them two times and they gave me two different claim number.Thank you so much and pls help me!!!!!!
Product: Debt collection

Have been receiving letters for a debts they acknowledged was time barred. Ive asked via telephone and in writing for them to longer contact me and remove from my credit reports. Last letter dated XX/XX/19.
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. 

Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX XXXX 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 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 report.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries, nor do I have any ties to the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline. 

I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX. 

I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX 

I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by. 

I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ). 

I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account. 

XXXX 's process is deceptive to the consumer, not listing updated deadlines. 
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had. 

Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a copy of my Experian credit report I noticed a total 5  unauthorized credit inquiries being reported. The companies listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did not receive any type of authorization from me prior to doing so.
<P/><P/>
XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) I am requesting that the above unauthorized inquiries be removed immediately from my credit file. Again, I did n't authorize anyone employed from any of the above companies to make these inquiries or access my credit report. Please remove the inquiries from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. This is a serious breach of my privacy. I have sent letters to the above companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. I have also placed a credit lock on my Experian report which will hopefully help to avoid these type of un-authorized inquiries in the future.
Product: Debt collection

Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the dental office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX XXXX I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had dental office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. Dental office states it was fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/ I received results from Experian as accurate from my dispute filed on XX/XX/ requesting deletion of Bankruptcy on my Experian credit report. Experian stated that the furnisher verified the XXXX, however XXXX XXXX has no record of a Bankruptcy on my consumer report. In addition, Experian has listed on my credit report that the US Bankrupcy Court XXXX XXXX Furnished the information. There is no such court with the name of " Bankrupcy Court of XXXX '' that exist with the address listed on my credit report and Experian has lied and violated my consumer rights. The United States XXXX court with the address listed on my Experian credit repory was contacted by me and their response is in the attached letter. It is clear in the response attached that they do not report to Experian or any other credit reporting agency, therefore Experian 's response is a lie. These reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the Bankrupcy must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I have a PayPal Credit account. I am able to use it to make purchases with special financing where I get six months to pay the balance on a specific transaction without incurring interest. I pay balances within the special time period but often do not see a balance that is accurate. The way purchases and credits or payments are shown is incredibly confusing to the point of being misleading and even untruthful. Often I think Ive paid a balance but then a later statement will show interest without showing a matching transaction. I have asked for explanations from PayPal in the past and do not get them ; however I have been advised that what I see online is not up to date. I can not say enough about how confusing PayPals method of accounting is.
Product: Credit reporting or other personal consumer reports

My information was compromised during the Equifax Data Breach. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.