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 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 60 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. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an FTC report indicating they have been fraud on my account, I did not consent to the following inquiry. 

Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX
Product: Mortgage

Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan from XXXX in XXXX, I was late, discover bought the loan, XXXX no longer has a student loan division. I paid off the loan in XXXX with XXXX. XXXX is still reporting it as derogatory and no one at XXXX can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of XXXX student loans now. But they have no record on me. Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used my Wells Fargo app to XXXX {$170.00} to a close friend and have done so before. They XXXX the money to someone who came up under her phone number in their system and now they are refusing to give me my money back even though I pulled her up through my Wells Fargo app.
Product: Debt collection

Subject : Formal Complaint Regarding Collection Issue I am writing to formally file a complaint regarding the recent collection attempt made by your XXXX XXXX ALDOUS AND ASSOCIATES on my account. 

I believe there has been an error in the collection process. I enrolled as a member at a fitness club ( XXXX XXXX  ), I was an active member till some months down the line, the gym stopped functioning well and all their equipments stopped working, I complained to the organization that I could no longer be a member and they should stop charging my account since they werent offering my any service but they insisted I paid for the full year since that was what I signed up for even if they were undergoing renovation and ownership change, I found this offensive and I stopped my membership only for me to receive a collection letter that I owe them money. 

I kindly request an immediate investigation into this matter. Additionally, please advise on the necessary steps to resolve this issue and prevent any further actions that may impact my credit standing. 

Please confirm receipt of this email and let me know when I can expect a response. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XX/XX/XXXX sales financing company XXXX XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX personal loan company XX/XX/XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card Fortiva XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other two reports, namely Equifax and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Product: Credit card or prepaid card

Hello, I am contacting you about my Citibank Double Cash MasterCard. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my accounts for a very long time. My card has an ending promotion period where the interest rate was 1.99 %. To mark this event my details show my last payment before the ending of the promotion period as $ XXXX making it seem as if no payment was received and the double interest to offset the double cash is in place to XXXX my account starting XX/XX/XXXX.  Their website used to automatically update customer balances as soon as you make a payment. This is no longer the case. I have not contacted them about this theft because I do not look forward to the upcoming lies. The objective is the same as other large banks. I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.
Product: Debt collection

California Business Bureau, I sent you a letter certified mail XXXX on XX/XX/year> asking you to " validate '' the debt and/or account you are trying to collect on. You responded by sending me a " verification '' not " validation that clearly violates my HIPPA rights. You are required to delete this information from my credit file because California Business Bureau or Washington Health Care Systems did not send me a HIPPA release form that releases my medical information. By providing such information California Business Bureau is clearly violating my HIPPA rights to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts on my credit report resulting from recent Equifax data breach. This issue has severely impacted my ability to secure new credit. I appreciate your prompt attention to correct this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT XXXX XXXX! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion Credit Report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

This also violates 15 USC 1681 ( n ), ( s ) - 2 ( a ), & ( b ), 15 USC 1681i, ( 5 ) ( A ) ( i ). 

XXXX. XXXX XXXX XXXX Account number ( s ) # XXXX & XXXX XXXXXXXX has violated my rights. I am not liable for these debts with XXXX XXXX XXXX, I do not have a contract with them, nor have been provided an original contract and complete account number. 

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pay off quote, and paid, its not closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 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 XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the XXXX, Equifax, XXXX and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my hard inquiries is XXXX XXXX mail order form. I did not do this. I received a TV from XXXX XXXX and did not order it. Checked with company and was told 2 TV was one they way to me. I did not order them. Have a police report and a letter from XXXX XXXX stating the account was opened fraudulently with my name.
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this morning without any explanation. I check my credit report regularly, but this time, unexpected errors appeared. Thinking it might be a technical issue, I refreshed my browser, but the inaccuracies remained. Due to this problem, I am asking for a detailed review of the documents I have provided so that I no longer have to worry about this happening again.
Product: Credit card

Wal-Mart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i have store website i always shop on.I spend over XXXX XXXX dollars a month with our my XXXX, other goods.I shop using my Capital One Wal-Mart credit card online at this store.My order was on XXXX XXXX i order my 2nd purchase for identical Orbic cell phone prepaid XXXX, its same i bought my wife week before this one we got it by XXXXThis time Wal-Mart as i understand it was sold by Wal-Mart and website advertising, orders over {$35.00} gets 2day shipping fom XXXX  or XXXX.Today is Friday XXXX i tried getting support from ecommerce online Wal-Mart to cancel out order not got my XXXX XXXX XXXX took order my default address is XXXX, Utah ... XXXX  can't deliver me item they took pick-up from Wal-Mart should not take order, they done this so manytimes i never get my items.Wal-Mart email says its doesn't support since XX/XX/year> emails customer service..Trying to get full refunded unable.Capital one always ask for proof.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 accounts opened at XXXX XXXX opened on XXXX XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX, a XXXX XXXX XXXX account opened XX/XX/XXXX, a XXXX XXXX XXXX account on XXXX XXXX and a XXXX XXXX account on XXXX XXXX. I also notice the addresses and Names on the report also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) 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 ( EQUIFAX ) 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: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, FreedomPlus, Account XXXX, in the amount of {$10000.00}. I called FreedomPlus and spent 48 minutes discussing the fraudulent account. FreedomPlus provided me with Reference number XXXX. On XX/XX/XXXX I mailed FreedomPlus a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what FreedomPlus is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Product: Mortgage

XX/XX/XXXX I wanted to write down what my mortgage company told me as I wrote on the documents they sent me and you may not be able to read it. 
I called PNC on XX/XX/XXXX at XXXX a.m. I spoke with XXXX XXXX. I was hoping to get some positive directions on how we can fix our situation. I asked about the XXXX  documents they sent to us. I told them that I still have not found employment, and that I did have interviews coming up. I was originally told that they could add the balance owed to the end of the loan. They were also to add XXXX months on to our Covid relief program. I apply to jobs every day and have XXXX pages ( front and back ) of jobs I have applied to. Right now, we only have my husbands income coming in. With one income, it is a terrible decision on what to pay/buy - food/medicaXXXX bills, regular bills. 
I was told that they could not add the balance to the end of the loan as they stated because my situation had not changed nor had our income changed and we can not pay as of yet. 
They said they could resubmit another extension for forbearance, however, that would mean that they would resubmit for another XXXX months of payments and that balance would be owed as of XX/XX/XXXX which would be {$25000.00}. If we did this, they stated that the breach demand would stop. Right now, the letter we received says we would have to pay {$21000.00} on or before XX/XX/XXXX. I told them, if I had $ XXXX I wouldnt need to go through all of this. 
They told me that I could do a hardship document and we would have to qualify. They would need me to write a letter submit 30 days of income, XXXX bank statements and the last XXXX IRS tax forms. My question here is the last XXXX IRS tax forms do not show what our family is going through now. 
They told me to get credit counseling and did not offer any other suggestions. PNC is a very hard company to deal with. Prior modifications with this company only raised our monthly payment and did not help.
Product: Debt collection

The XXXX at XXXX XXXX entered into a lease for my son a college. I signed the lease. Each unit has 4 bedrooms with 1 common area. The utilities are included up to a dollar amount and then overages are passed on to the 4 tenants equally. After 6 months the other three units were vacated and the XXXX   started applying the overage to only our lease even though they had locked the other rooms and would have been their responsibility to heat and cool. My son went down to the leasing office for the first 3 months and the charges were reversed. About that time they started having management problems and the managers were changed twice. We called and and my son visited the office repeatedly to rectify the matter of {$120.00}. They would never give us a number for the parent company to speak to someone that could actually make a decision and they always passed it off and would never address the matter. At which point they turned it over to collections of which I never received a notice to be able to even address the matter and now it has shown up on my credit report for {$290.00} with no notification or such to be able to address the matter. I have no recourse other that to sue the rental company of which I can't get any information on, three states over for ruination of my credit.