23daVinci/CFPB_Complaints huggingface dataset:
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 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, AND XXXX 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: Vehicle loan or lease

My credit report says Santander Charged off a car purchased in 2015. I was XXXX  in 2015 in XXXX in the XXXX XXXX. This can not be my account.
Product: Money transfer, virtual currency, or money service

I was recommended for investing in bitcoin mining through bitcoin app. I invested about XXXX $ the further to next day i logged into the account all of the money wasnt there anymore. I reached out to the merchant XXXX that authorizes the transfers from your bank to the application and they were unable to help. They told me to contact my bank. Several days later from reaching out to my bank ( capital one ) my claim was denied and then reopened with pictures of the money in the app and conversations from the person i was investing through. I waited again and my claim was still denied for fraudulent/ scam transactions because they found that i made the transaction to the app. They are unable to get my money back and help me further the situation because i authorized the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, Virginia upon getting an approved auto loan for the vehicle from N.C. State Employees Credit Union. Including with the price of the vehicle the auto loan included {$1200.00} for an extended auto protection package. The owner of the dealership did not submit payment and extended warranty application to XXXX XXXX XXXX. The FBI launched an investigation into the dealership for fraudulent activity and numerous reports of obtaining money under false pretenses in total of 81 indictments and was sentenced to 3 years in prison in XXXX. Upon his release he is court ordered to pay Restitution to all victims of his crimes. As stated in his promissory note his first payment of {$450.00} was supposed to be made to me XX/XX/XXXX. I have not received this yet. However, my vehicle is no longer in working condition and I am not financially able to pay for the repairs and make the payments to SECU on the auto loan. I am currently unemployed. This has caused an enormous amount of stress on my behalf because this is causing derogatory remarks and late payment history to be noted on my credit report. Even with reporting what happen with the money for the warranty, XXXX State Employees Credit Union has not been able to offer me any help in getting this matter resolved without defamation of my credit.
Product: Mortgage

In XX/XX/2021, I experienced an issue with my mortgage payment. As a result, I failed to make the month 's payment, but upon notification, I paid it immediately and kept the mortgage current. 

In XXXX of XXXX1, I we served a legal notice unrelated to this issue by my ex-wife. In the document, reference was made to my payment history, including the event mentioned above, as well as the exact payoff, etc. This contemporary information would only be available with access to my account. I realized then with Suntrust 's automated phone system, with my social security and property zip code, anyone could access my account for protected financial information. This access is available to my employer, creditors, educational institutions, and any other entity with access that data. 

In talking with Suntrust, they stated there is nothing they could do to resolve or prevent future access by any unauthorized person. I even offered a current post office zip code which is different, but they stated it had to be the same as the property location. The customer service representative told me not to worry that many people have this problem. After demanding to speak with a manager, he stated he would research it and contact me today. I have not heard from them and my personal information remains exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States 604 A Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason or purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX FACT ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Checking or savings account

On XX/XX/2021 Credit Karma deactivated my debit card due to a fraudulent charge. After I asked them to not do that until I could pull my funds out they said the card was already shut off. I have been going round and round with them so I can have access to my funds. Almost a week later I still can't access my money. I've tried linking my external bank account to them so I can transfer the funds and I can't link them. They keep telling me that they are working to solve the problem. I feel at this point they are holding my funds hostage by not allowing me access to my money. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for reported transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting inquiries and closed accounts on my consumer report i did not consent
Product: Credit reporting or other personal consumer reports

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also asking for the date when the supposed delinquency occurred, which should have been provided to you by the company. I understand that it usually takes seven years for a trade line to be removed, but I would like to know the specific month and year when this trade line will be removed. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me 30 plus days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Debt collection

This started when my bank account was frozen on XX/XX/XXXX. I contacted XXXX XXXX and they told me to call the SUPERIOR COURT OF NEW JERSEY to get more info. They gave me contact info for Pressler and Pressler LLP. After speaking to Pressler and Pressler LLP directly, they informed me of an alleged dept that I owed since XX/XX/XXXX. And not to mention I have never seen this negative item on any credit report I ever had. The amount of alleged dept is {$1200.00} plus an additional {$410.00} in interest and {$100.00} in court cost along with a {$170.00} court officer fee. So the balance of the whole claim is XXXX. I also found out that there was a judgement placed on me without ever knowing that I was being sued. There are countless complaints of this company winning default judgments without ever notifying the consumer of any dept. And lawsuits filed and won in regards to unlawful business practices. If I would have recieved written notification about this matter 17 years ago I definitly would have been in court to present my case that the dept was not mine. I also filed paper work regarding that I was DEFINITELY a Identity Theft victim. So far to this date the company has not reported results from any investigation. This Company is in violation of Section 623 of the Fair Credit Reporting Act. No copies of : *Account applications made on paper, online, or by telephone *Account statements or invoices *Records of payment or charge slips *Delivery adresses associated with the account *Records of phone numbers used to activate or access the account *Signatures on applications and accounts *Investigator Report This company also never sent any correspondence regarding : *Informing business where the account was opened that the dept is the result of ID theft *Stopping collection activities against me *Any records I requested. 
With this current violation I 'm forced to file a complaint with the FEDERAL TRADE COMMISSION. So let this letter be a NOTICE TO FILE COMPLIANT WITH FTC.
Product: Credit reporting or other personal consumer reports

Old addresses and employment are being inaccurately reported on my credit report
Product: Credit card or prepaid card

On XXXX, XXXX Chase Payment Card closed 4 of my accounts with unjustifiable reasons. I have been working in a XXXX XXXX industry over 10 years. On XX/XX/2019, I have processed few test transactions to assist a merchant that was experiencing a technical issue with Chase payment. The merchant has contacted our customer service regarding only Chase Credit Cards being declining on his terminal. The problem didnt go away although we tried all the trouble shooting methods. Thats when we decided to test sale with our own Chase Cards.  Coincidentally, 6 of my coworkers who attempted the test sales were terminated the next day. This negatively affected my personal credit score. I have been contacting the Chase but no further reviews were granted. Here is the time line : XXXX, XXXX Chase Representative XXXX, XXXX Chase Card Processing XXXX XXXX, XXXX XXXX walked in to Chase XXXX XXXX, XXXX Authorized XXXX and opened the case the Reference number is # XXXX XXXX, XXXX Chase Branch Esclation Center XXXX # XXXX XXXX, XXXX Received a call from XXXX , there is nothing he can do advised to call XXXX XXXX XXXX, XXXX explained again, still declined. Will review again but most likey decline XXXX, XXXX received a call from number XXXX the final review has finished and decision is not to reinstate. Advised below adress for legal proceedings XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX, XXXX Chase Checking account was breached. Not sure if this is related. 
XXXX, XXXX Spoke to XXXX, Account Supervisor. Explained on going Chase card issue. 
According to XXXX, the account closure is due to not enough history on file. 
Provided Senior VP XXXX 's phone number. XXXX received legal address which mentioned above ( XXXX ) I am hoping to reinstate my Chase accounts and I can assure you that there is no risk involved with my credit cards. 

Thank you.
Product: Checking or savings account

Prior to my account being hacked I deposited a refund check, which was accepted. I later received partial available from said refund check. The check later cleared and then my account got hacked. I immediately contacted the bank because i got alerts of several activities. I let the bank know what was happened to which they told me that they saw transactions being made. Unsure of how my credentials was leaked to be hacked in the first place the ask me to file a dispute stating what occurred and provide evidence which i did. They still choose to let me know they will be closing my account. They never closed it stating that i had a negative balance out of nowhere, mind you they allowed me to get a courtesy XXXX dollars from my account. Im sure them telling me they can hold my funds indefinitely or tell me to call bank from which the check came from and tell them to stop payment. The bank said XXXX already has the funds so im not entirely sure what is going on. It has been XXXX months now and nobody can tell me a thing. No official letter stating the problem or how to resolve the issue was ever given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently living overseas and I would like to access my credit reports from all credit reporting agencies. For some reason, whenever I request a free credit report from websites such as XXXX XXXX XXXX, I receive the following message " The XXXX  website is not currently available at your location. '' Not sure why but I tried multiple sites with the same request and got the same response. 
How can I get my credit reports while living abroad? Many thanks for your help.
Product: Debt collection

COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.
Product: Mortgage

XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.
Product: Debt collection

Synchrony bank calls me 15-20 times A DAY even just one day after a payment is late, and continue to do so every single day until a payment is made. They have even left messages on my voicemail threatening to take legal action with a lawsuit if I, or my lawyer do not contact them and submit payment immediately. Its non stop harassment and its causing XXXX XXXX, and my phone does not stop ringing when Im trying to work. This is against debt collection law, and they need to be held accountable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent collection accounts have been repeatedly added to my credit report. Despite filing multiple disputes with the credit bureaus, the agencies have falsely " verified '' these debts without proof. 
Two collection agencies, XXXX XXXX and XXXX XXXX XXXX, are reporting the same debts at the same time, which is an FCRA violation : Fraudulent Account 1 : The XXXX ( {$42000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) Fraudulent Account 2 : XXXX XXXX XXXX ( {$60000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) These collection agencies have failed to provide valid proof of debt ownership, and my FTC Identity Theft Report & Police Report were ignored in previous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System is in violation of the federal law 15 USC 1681 ( b ) permissible purpose of consumer reports in which I the consumer never gave written instructions to furnish these items on my report. 

National credit system is reporting on my consumer report and the account had got deleted off my XXXX account. Whenever I dispute the information with this company, they don't give me any proof of the alleged debt. The company did not send me documentations with my written signature, According to Section 604 ( a ) ( 2 ) of the FCRA permits a consumer reporting agency to provide a consumer report when it is " in accordance with the written instructions of the consumer to whom it relates. ''