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

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with capital 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 me 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 XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 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

XXXX, XXXX, Experian 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.t
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX  XXXX {$1700.00} XXXX  XXXX XXXX {$120.00}
Product: Credit card or prepaid card

I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian finished dispute over several different disputes within a 2-day period never took the time to legally investigate the dispute I would like all disputes that were not investigated properly removed immediately from my credit report before I file suit
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices PRESTIGE FIN Inquiry : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Mortgage

My wife and I applied for a XXXX loan with Amerisave mortgage on XX/XX/2015. We supplied them with all the information they asked for in a timely manner and paid XXXX $ for an appraisal of the property. Everything was fine untill the rate we locked in at ( XXXX ) went up a quarter point. Then the circus started. They have asked for countless documents which we have supplied and as of XX/XX/2015 they are still asking for more. Seems they are going out of their way to discourage us from wanting to go thru with this loan. Believe me if I could get this rate elsewhere I would not be writing this and would have gone to another institution. Heres the real kicker. Our credit score is XXXX credit report shows perfect payment history on all loans. Show XXXX in CASH, XXXX in IRAs. They have 3 years of tax records with all schedules, all bank account records sinse XXXX of 2015 and we still are getting a run around. I saved all the emails of all the hoops that they put us thru because to expain it all in detail in this forum would take days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$830.00} date opened XX/XX/year> this company claim that this account is mine but they did not show any documentation.
Product: Debt collection

Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.
Product: Debt collection

I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying XXXX student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs
Product: Credit card or prepaid card

On the XXXX of XXXX I made a {$77.00} payment to synchrony bank from my wifes back account before the due date of XX/XX/XXXX which was accepted, however my wifes bank account was overdrawn and denied the payment, so I was immediately charged a late fee of {$44.00} as well as a {$56.00} interest charge which then immediately put me {$45.00} into minus credit, and my next minimum payment is now {$190.00}. My account basically set me up to fail, I wasnt contacted that my payment had been denied and paid it in good faith. Whats worse is they started calling and emailing me constantly about it within a couple of days. 

Ive been struggling with making payments with this account for a while and on my account page is a questionnaire about closing the account and making payments. I filled out the questionnaire and got denied, instead referred me to the XXXX XXXX XXXX XXXXXXXX XXXX? 
I filled it in using different options but its always denied. They trick you into thinking theres assistance but in reality they dont want to close your account. 
They basically want me to be in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit card or prepaid card

In the XXXX of XXXX, I received emails saying a payment was due on an Amex card. I do not have an Amex card and never applied for one. I ignored the emails, assuming it was spam. When I noticed a drop in my credit months later, I called Amex to file fraud. It was denied because apparently a payment was made on the account. I tried to file another claim with more information but it has continued to be denied, apparently because that a payment has been made at some point on that card. I never made a payment. Around the same time this card is said to have been opened, I had just been granted full physical custody of my son. I believe that this card was applied for, used, and possible even paid one time for by my ex, the father of my son, in retaliation to that decision. He has ALL my information. I have since changed all my passwords and account information, but he still has my social security number and other information about me I can not change. I am almost positive this was him. This is now seriously effecting my credit and I need something to be done about it.
Product: Mortgage

Select Portfolio / XXXX XXXX as Trustee on be half of XXXX XXXX XXXX XXXX XXXX asset back notes are attempting to foreclose on my home with a fraudulent assignment. The assignment contains signatures of robo signers. XXXX XXXX the document control offer signed the assignment XX/XX/XXXX which after the cut off date of the trust. The pooling and servicing agreement filed with United States Securities Exchange clearly states in section 201 that all mortgages need to be conveyed 90 before the cut off date, and this assignment was conveyed 9 years later.They have obtain a fraudulent deed, and the Power of Attorney that I gave to XXXX XXXX in the barrow waive of rights is rescinded through the courts of XXXX  Co.I HAVE NOT GIVEN This Trust or XXXX XXXX rights to sign as my ATTY IN fact.
Select Portfolio has refused to modify or restructure my loan, nor have the responded to my QWR or Debt Validations. I attached what i sent to SELECT PORTFOLIO
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and XXXX XXXX XXXX. Failure to investigate these items within XXXX  days gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX  days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX. XXXX ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under XXXX XXXX XXXX and XXXX XXXX XXXX. Invoice will be attached!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX CBA COLLECTION BUREA, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XXXX and it was removed from all the known agencies. 

In XXXX this year i have discovered that the item was reinserted to my XXXX credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo continuously uses unregulated Artificial Intelligence to submit runaround with false Information and avoided to answer my clear questions- after my home was sold to bona fide buyer in XX/XX/year>- who was entitled to receive and who actually received {$130000.00} from the buyer XXXX He? Who owned account receivable where these money were deposited? Wells Fargo illegally and criminally refuses to return me my original promissory Note, my original Mortgage and all original Assignments after my property was sold and refuses to provide me at ink signed release of liens after this sale.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, Equifax, and XXXX. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX  XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and onXXXX on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Product: Mortgage

In XX/XX/XXXX, I decided to put my mortgage payment of $ XXXX/mo, property taxes of $ XXXX/yr, and flood insurance of $ XXXX/yr into an escrow account with my mortgage company in order to spread out payments into small monthly amounts. At about the same time, I discovered flood insurance ( XXXX XXXX XXXX. ) for {$520.00} the first year and {$320.00} from then on. I switched from the {$1600.00} to the {$520.00} policy immediately. Bank of America then let me know that they needed to have the flood insurance paid in advance for the year and they also shanghied my home insurance by paying it off. This gave them control. This did not help me spread out payment over 12 months and they expected me to pay {$620.00} for flood insurance from some company they preferred. I said, Stop! I do not want your escrow. It does not help me, costs more and I would loose control of my finances. Go away!
They pretended to hear none of this and continued with an escrow account that I did not want. Worst of all they expected me to pay for 2 flood policies. Is n't that illegal? By XX/XX/XXXX, they handed my case to collections to harass me. Every time I called them to explain that I never approved any of this, some voice would assure me that it was being changed back. Do n't worry. I 'll take care of it, they would say.
It is now XXXX  and they are still trying to extort money from me that I do not owe and can not pay. I am XXXX and living on Social Security. These amounts may seem small but for me they are huge. These amounts are not in my budget and I can not pay they. Bank of America is a heartless monster that lies, cheats and steals to make a nickel. I never was told what they were doing and they never asked my permission. They are just bullies that have no respect for clients or the law. NEVER do business with BoA. They offer credit cards, mortgages, etc so they can trash you and take all of your money. Seriously, they are quite dangerous. Run away from Bank of America!!!
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with Lendmark Financial. They offered an unsecured loan ( for a lower amount ) and a secured loan ( for a higher amount ). I told them I have no interest in a secured loan, i dont do secured loans, and I was very adamant that I do not want a secured loan. On the day they asked me to come in to sign documents, there was a page that asked for personal property. I asked why its asking for personal property if it isnt a secured loan and they said they just need it listed to show that i own valuable property, but that it is not secured. I found out that it is being reported as a secured loan on my credit report so I called the local branch today and the woman who answered reiterated what I was originally told ; they said they dont technically do " unsecured loans '' and that they just " list assets so they can check that you have a history of things with value, but that its not a " secured loan ''. However, there is an option on the truth in lending statement with a check mark for an " unsecured '' loan option. So im confused as to why they say they dont offer " unsecured '' when it is listed on their own document as an option. She assured me it wasnt a secured loan and nothing will actually be taken, but their paperwork is throwing me off.
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. 

Accounts : 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 XXXXXXXX 15 U.S.C 1681 SECTION 602 A XXXX 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Bank account or service

I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.