23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX  get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to XXXX XXXX.
Product: Mortgage

XX/XX/20 Cease and desist letters to XXXX  and XXXX XXXX Loans Payment Plan XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX Total amt paid XXXX XXXX XXXX also doing business as Alliance Financial XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Promise was to modify 1st mtg and to totally alleviate the 2nd mtg. Was told not to make any payments during the process to either com. I was days away form sheriff sale and had to contact my attorney to file bankruptcy so I wouldn't lose my house. Now I am in a predicament that the 2nd mtg is so far behind I may not be able to save the house after all. 
XXXX aka Alliance let me to believe they could help me and did not. Total Scam. 
We got behind due to a tragic event in our family that jus continued to snowball and then I thought I was on the right track with these people and it turned into a disaster. 
I have all the emails and copies of checks that were sent to them. I was instructed to send the checks all at one time and they would deposit into their acct on the specified dates. I
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : 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 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 I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Experian for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least XXXX XXXX  of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Product: Credit card or prepaid card

I'm confused and I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports on the grounds that, as you would see it, you accept that I host utilized a third get-together credit fix the office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to agree to my unique solicitation, yet I trust it to be an outright infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by ensured mail ( COPY ENCLOSED ) that I scrutinized the exactness of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are manhandling your capacity under the FCRA to get away from a total examination. 
As indicated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to confirm, through the actual check of the first marked buyer contract, all records that you post on a credit report. Else anybody paying for your detailing administrations could fax, mail, or email in a false record. I interest to see evident evidence ( i.e. : a unique purchaser contract with my mark on it ) that you have on the document for the record recorded beneath. 
Your inability to decidedly check these records has harmed my capacity to acquire credit. Under the FCRA, inaccurate and unverifiable information must be deleted from a consumer 's credit report. 
Moreover there is NO law that expresses a customer can't utilize an outsider, so utilizing that as your reason is an immaterial. Truth be told, the United States Congress has discovered the entire cycle so overpowering that they bear the cost of buyers the option to utilize an outsider for their sake in the event that the shopper so decides. This is the reason your assertion is so disgraceful.
Product: Debt collection

I have a negative item on my credit report. It shows up from General Business Rec # XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ) It was placed for collection on XX/XX/XXXX. The balance is {$500.00}. The original creditor is XXXX- XXXX XXXX XXXX ( XXXX/XXXX  XXXX ). 

In XXXX I was at the XXXX  Arizona VA XXXX XXXX XXXX. I was transformed without a choice to a private medical facility in XXXX XXXX, Arizona. I was charged for the ambulance ride. I contact the Veteran Affairs 800 number yesterday, to which I explained the VA is supposed to cover transfer expenses in these types of situations. 

As the debt is almost 7 years old, it will clear eventually. However, I should never have been issued a bill for this, and this company does not have the legal right to collect on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, on XX/XX/2019 I have made a complaint toward my account with Ann Taylor credit card ending XXXX. Ann Taylor credit card was issued by Comenity bank. They disagreed with me, sent me a letter stating my account has been closed on XX/XX/2019 and has reported to credit bureau to damage my credit rating. Until today, Ann Taylor still send me statement on my late charge adding another late charge on top of it. I would like to know is it legal to charge late charge on late charge? the principle amount has been paid plus one late charge. 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX, 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 in months that are 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 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, credit repair services, or other personal consumer reports

Global Lending Services placed a fraudulent inquiry on my account on XX/XX/2020. I contacted via mail with a written letter to ask them to remove the fraudulent inquiry. Their first response on XX/XX/2020 stated they pulled my report based of a credit application submitted by XXXX XXXX XXXX, in which I did not give consent for them to run my consumer report. On XXXX XXXX they sent another letter stating they would remove the fraudulent inquiry. They are in violation of several FDCPA Laws which govern them and protect me the consumer against their piracy and predatory actions. They had no right or consent to use my consumer report. I also sent these documents and affidavit to their Registered Agent. The affidavit I sent was actually notarized, I can not make a copy of a notary signature so this copy in this complaint will not have the notary page filled out.
Product: Credit reporting

Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.
Product: Vehicle loan or lease

I had a Bank of America Car Loan for a XXXX XXXX. The car was totaled as a result of flooding by my Insurance company ( XXXX ). XXXX paid the amount they valued my car replacement at which was around XXXX dollars less than what the loan amount was with Bank of America. I was never advised by Bank of America that I needed to pay the differential immediately or my account/debt would be written off and sent to collections. Bank of America continued billing me for my monthly car payments which I continued to pay on time. My impression was that I would do so until the loan was paid off. I had a perfect payment record with them. 

This weekend as I reviewed my accounts with bank of America Online and also to make a payment I noticed my account was no longer available and showing on the online portal. On Monday I received a notification from XXXX indicating that there had been a change to my credit report. I checked it and it was as a result of Bank of America charging off my account in the amount of XXXX dollars and sent to collections. My credit was damaged as a result, I called bank of America and after being able to get a hold of the correct department, I was treated in the most condescending manner, pretty much as a criminal that does not pay his debts and was told that they needed to collect on the loan. When I explained to them the situation and asked them why I was not made aware of this action prior to it being taken as i would have gladly paid off the remaining balance I was told that a letter was sent three months prior. I never received such a letter. The collections personal at Bank of America have refused to help me or tell me I have to speak to a supervisor. I have left my number but no one will call me. Bottom line I have been told that even if I pay the amount owed my credit report will remain damaged. I find this unilateral decision made by them with no prior notice troubling as they will not negotiate and will not accept any wrongdoing. I am more than willing to pay the amount owed ... as stated before I was paying them monthly since they were billing me ... .however, I think its fair that they reverse those entries into my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and handling of my accounts ending in XXXX, XXXX and XXXX that have been marked as charged off. I am currently making payments on these accounts as agreed, and per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting a review and correction of the reporting status. 

According to the FCRA, information reported to credit bureaus must be fair, accurate, and fully substantiated. Since I am actively making payments on these accounts, I believe the charged-off status is misleading and could be inaccurately impacting my credit profile. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of the reported debt status.
Product: Credit card or prepaid card

On XX/XX/, my Chase Sapphire card was charged {$1900.00} from a company called XXXX XXXX. I immediately checked my other credit cards and notice an identical charge of {$1900.00} had been charged by XXXX XXXX on my Chase United card on that same day. I called Chase to inform them about the fraudulent charges on both of these credit cards. Chase reversed the charges and began an investigation. 

In the last week of XXXX, I received communications from Chase that they had concluded their investigation and I would be responsible for both {$1900.00} charges. I called Chase to discuss this investigation. They informed me that they had received an invoice that was sufficient for them to determine that I had received the services. I then called the merchant on the invoice and talked to him. He stated that he had previously closed his XXXX account because of fraudulent transactions by scammers. But he could not provide me with documentation. 

On XX/XX/, I called Chase again and was connected with their Fraud Recovery Team. I spoke to a XXXX XXXX who again stated that their investigation found that I was responsible for those charges based on the invoices and proprietary information that he could not disclosed. 

I told XXXX that the company was based in Georgia, and I'm based in XXXX, NY. The company provides power washing services which I would not need since I rent. I told him why would I charge identical amounts on the same day on two different credit cards for the same services. He stated I could have rental properties and that they are multiple reason someone would do that. I stated why isn't my physical address on the invoices or where the services was rendered. I asked him why aren't there any state taxes being charged to me on these invoices. He stated he isn't a tax expert. I told him there is so much wrong with these invoices that they couldn't possibly think these weren't part of the scam. I asked him if my credit card numbers were on these invoices? They were not. There is nothing on the invoices to link my respective credit cards to them. Only my email address and my name, which can be gleamed from my email address is found on the invoice. 

XXXX stated he would send this for additional review. I am not confident given their secrecy, limited contact, and poor logical reasoning that I will not be forced to pay {$3900.00} for these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX   XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT