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

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX  days 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. 

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: Credit card or prepaid card

On XX/XX/2021 I order an airline ticket thru XXXX of the amount of {$1200.00} I attempted to open a disrupt thru my credit card company to get refund, but I wasn't properly serviced by Chase. 
Chase refused to fully investigate the incident and issue refund as it should. 
I attempted to dispute the charge with XXXX which agreed to refund my money according to their policy and federal regulation rules during COVID. 
I was approved by the US DOT to order justly to refund my money still merchant is not willing to refund my money. 
Chase is also neglecting my request to get refund as I am entitled.
Product: Debt collection

Last week I received a phone call from Reliant capital solutions LLC informing me that I had a debt to XXXX XXXX in the amount of {$24000.00}. I called the school to verify that this was correct and was informed that I owe nothing. I financed my schooling through XXXX XXXX using private and federal loans with the servicer XXXX XXXX all of my loans are being paid on. I do not own this debt. I believe they have a mixed credit file. I XXXX XXXX XXXX XXXX XXXX XXXX and would not be allowed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the statue of limitations to collect is XXXX years in Florida. This is not my debt.
Product: Student loan

I submitted a complaint to FedLoan Servicing in XX/XX/XXXX demanding they review my account and phone call recordings because I was given the wrong payment estimate when I called in XX/XX/XXXX and asked about enrolling in a plan that would be eligible for PSLF. They failed to account for my family size and spouse 's student loan debt and said my payments would be way higher than I could afford, so I didn't enroll in that plan. When I spoke with a rep in XX/XX/XXXX they estimated my payment under an eligible plan and it was almost exactly the same as the payments I had been making all along. 

Ever since my complaint, I haven't received any updates on whether or not they will count my payments towards PLSF or not. And even now that I have been in a REPAYE plan for over a year, the number of " eligible '' payments reported on my account for PLSF is 4. Just 4. I've been repaying on these loans and working full-time for a XXXX XXXX XXXX for 5 years. I should be half way done with qualifying for PSLF. 

I have notes from a call I made to FedLoan on XX/XX/XXXX where they informed me I was and had always been on a Standard repayment plan. I spoke with the following reps : XXXX, rep ID # XXXX XXXX, rep ID # XXXX What's worse is that the REPAYE is horrible. I'm looking at my payments and only {$30.00} of my $ XXXX/monthly payment is going towards principal. If I'm not going to ever get PSLF, I want to stop paying {$370.00} in interest to FedLoan every month and refinance with a better company into a standard repayment plan to just get it paid finally. 

I've called FedLoan 2-3 times per year and everyone has said " they are still reviewing/researching your account ''. Well, 2 years later I'm not going to wait any more. I want answers.
Product: Debt collection

I sent a debt validation letter via certified mail they received on XX/XX/22. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.
Product: Credit card

Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.
Product: Mortgage

The company LoanCare LLC failed to pay my property taxes in a timely manner.
Product: Checking or savings account

XX/XX/2021 Received email that my application for a Wells Fargo Checking account had been approved. Later on I received another email stating a checking account had been opened in my name. 

Called Wells Fargo XXXX  they closed the account.
Product: Credit reporting or other personal consumer reports

My account with ( 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 ) 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

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

I have tried to get and apartment and score went from a XXXX to a XXXX. Someone has used my information. I need another social security number. Only tried apartments.. credit cards may be made up as well. Check all credit cards and apartments thats not in my name. My social security number is being used on security systems with one of my emails XXXX and a telephone was just purchased in my name from XXXX
Product: Credit reporting or other personal consumer reports

UPON ME REVEIWING MY CREDIT REPORTS I DISCOVERED AN ACCOUNT ON MY REPORT THAT IS NOT MINE. I NOTICE ON XXXX I GOT A FTC REPORT XXXX DISPUTE ITEM.
Product: Mortgage

We received a letter dated XX/XX/2019 on XX/XX/2019. The letter indicated we have been approved for a trial modification and the first payment is due XX/XX/2019. This trial modification was done unexpectedly because we had not made any request since XX/XX/XXXX. The response we received in XX/XX/XXXX from SPS stated there were no options or programs that could assist our financial situation. The lates modification did not provide us a 30 day time period for trying to make a payment. We contacted our relationship manager numerous times ; however, we never had the opportunity to speak with her/him. We always get a representative who states they have to send our request to the relationship manager. The letter we received clearly stated contact your relationship manager. On this past Monday, we spoke with a representative again requesting the trial modification be amended and allow us to start XX/XX/2019. The response again from the representative, I am not able to approve your request, but I will notate your account and send your request to the relationship manager. We received several calls from someone who we can not understand and the message left is vague. Who ever is calling is not the relationship manager. The name we were provided with on Monday, XX/XX/2019 was XXXX is our relationship manager, whom we yet to hear from. We have been seeking assistance from SPS almost 2 1/2 years, and the response is always there are no options or programs to meet your hardship request. We do not want to loose our home and we have continued to acquire assistance from SPS. We sent a letter to the owner of the property requesting them to donate the property to our XXXX nonprofit organization since this is our residence and ministry. However, no response received. Please provide us with assistance and help us to prevent foreclosure actions. 

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

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I believe my escrow analysis was incorrectly calculated in XXXX of XXXX, causing an escrow shortage of {$220.00} for XXXX thus increasing my monthly payment from {$1200.00} to {$1200.00}. 

In XXXX of XXXX, I was issued an overage refund of {$140.00}, and my monthly payment was lowered from {$1200.00} to {$1200.00}. The total difference in payment for the year was {$320.00}. The overage refund and the lowered payment amount together equal {$470.00}. Had the XXXX analysis been done correctly, there would not be a projected deficit for XXXX. 

Additionally, my property tax went down from {$1600.00} to {$1500.00} and therefore is not the source of the projected deficit. However, my mortgage company paid this tax late and therefore incurred a 10 % fee. I do not believe I should be penalized for this negligence. My insurance premium only increased by {$120.00}.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

I ATTENDED A XXXX NC NIGHTCLUB WHERE MY WALLET WAS STOLEN. I MADE A POLICE REPORT WITH THE ON DUTY POLICE OFFICER AND WAS TOLD TO MONITOR MY PERSONAL INFORMATION MOVING FORWARD. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH.. I CONTACTED THE CREDIT REPORTING AGENCIES 11/2023 AND 12/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$590.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect
Product: Credit reporting or other personal consumer reports

Disputed Account : AMSHER COLLECTION SERVICES, Account Number XXXX I noticed an unrecognized account on my credit report while doing a cursory review of this years credit reports on XX/XX/XXXX. The collection company above has an erroneous debt associated with my account in the amount of {$150.00}, from XX/XX/XXXX. I do not know what the source of this debt is. I can tell you that I XXXX XXXX XXXX just shortly before XX/XX/XXXX and requested an XXXX deferment of my federal student loans from my loan provider, XXXX, that month. That deferment request was granted and my account on their website does not show any missed payments or any need for a payment until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have not been paid yet Unemployment money of XXXX $ from Bank of America for the period XXXX XXXX  to XXXX XX/XX/2023 Been going back and forth between EDD and BoA and each person puts the ball in the others court. 
Finally I lodged a complaint with XXXX  - XXXX XXXX XXXX FDIC XXXX Federal Deposit Insurance Corporation FRCH - Federal Reserve Consumer Help ( FRCH ) But the above Institutions have not been helpful either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX  XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Hello Please correct my Name XXXX XXXX NOT XXXX XXXX XXXX, never had a XXXX XXXX XXXX XXXX XXXX Please remove all phone number off my credit report account On XX/XX/year> my credit score went down XXXX points XXXX. Reason late payment on an account, I never paid an account late.

The funniest thing is there no late payments listed on my credit report for me to dispute.

2. How can you report are say I have been late ; all my account say never late does not make sense.

I have reached out by phone because that what the instruction says but no one will answer are respond # XXXX