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

My account with these company 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/2017, I became a victim of identity theft with The XXXX XXXX Apartments located in XXXX, GA and with the National Credit Systems also located in XXXX, GA. I have never lived in XXXX, GA and I have proof that I have never lived there and that I am apart of a crime and scam when people relocate to different states with other identifications other than their own. I was fraudulently charged over {$3000.00} in rental charges and eviction fees that are not mine. I am currently working with the police to file charges against the XXXX XXXXXXXX XXXX and the National Credit Systems. I also have proof that the signature the XXXX XXXX XXXX used for the fraud information is also not mine.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice of credit inquiry by XXXX on XX/XX/21 via email. After accessing my XXXX account, it showed that Cash Central had made a credit inquiry on XX/XX/21, and I did not apply for any credit or authorize any company to access my credit report. I would like to have this removed from my credit report by Cash Central. If the company deems this is a legitimate inquiry, I would like supporting documentation with the actual name of the business in which the application was made, the terms of the loan, and proof of my authorization of accessing my credit report - preferably a signature. If this was made electronically, I would like the audit trail of the transaction, including the public IP address, time, and date the authorization came from.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I made and mobile deposit of XXXX checks insurance checks with amounts of {$3100.00} ; {$180.00} ; {$710.00} ; {$2000.00}. I was alert during the deposit that there would be hold on {$1000.00}. I was told that other funds would be available immediately. Within the next few hours, my bank card was deactivated and I was all funds were unavailable to me. I contacted the USAA Bank however I was placed on hold for over an hour then hung up the phone. I called back then they were closed. Due to time, I had to wait until the morning to contact the USAA bank to find out the reason. I spoke with a XXXX which had me on the phone for over an hour to verify all the checks. The XXXX stated to me that she was placing a note in account what she had done so that I would not have anymore issues. We completed the call and with the hour I received alerts that my XXXX XXXX was disconnected for my account and I need to contact the bank. I contacted the bank for the third time was told I needed to talk to the fraud department. I waiting XXXX hours on the online for someone named XXXX to ask me the same questions I was asked before. XXXX also ask me aggressively why I had the checks, and what did I do for a living. I asked him wasnt this all documented in the system and I was yes and that he read the notes and he took the hold off and all the issues. He then stated that if I had any issues to that it would go straight to that department to clear it up. Later on in the day, the issue was still not resolved, I contacted the again on XXXX evening and spoke to a XXXX that stated that she saw all the approval of hold off the account but she did not see the date. She then when me to another XXXX named XXXX that stated that he did not see any communications at all within system with anyone throughout the day with any time that I call and that he placing hold on my fund until XX/XX/XXXX. I was not provided any documentation as this effect nor reason. On XX/XX/XXXX, I received an email stated that funds of {$1000.00} were available to me as it stated before when I originally made mobile. deposit. However, those funds have been held as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$16000.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.
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  Account Number : XXXX Account Name : XXXX XXXX XXXXccount 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} this process is will be considered a follow-up complaint
Product: Debt collection

I have PAID IN FULL on an OLD XXXX bill to TWO collection agencies. One is Resurgent Capital and the other is XXXX XXXX. If I am correct I paid a total of {$230.00} to Resurgent on XX/XX/XXXX account for the XXXX account number XXXX but then again I ALSO remember paying XXXX XXXX the SAME amount on XX/XX/XXXX account number XXXX. There are two accounts that I paid to XXXX XXXX ref number # XXXX and reference number XXXX ( or something like that ). 

I applied for a XXXX Credit card and got APPROVED for a XXXX credit limit in XXXX of XXXX. Imagine my surprise when I go to check my XXXX account and couldn't get online to view it so I called XXXX. The Rep told me that my the account is PERMANENTLY AFTER I got the credit card AND after I paid the old XXXX account off. I have ordered items from XXXX and have received some of them. The other items were requested to be sent BACK to XXXX BY XXXX because of they said that after reviewing my credit AFTER they gave me the XXXX Credit card that I STILL owed them money and that was the reason they PERMANANTLY closed the account. The credit card account is still open because I have not gotten in the mail and activated it yet but they REFUSED to REOPEN the regular account because of NON-PAYMENT which is not true ... IT'S BEEN PAID and PROBABLY TWICE at that. 

I tried to resolve this matter by contacting XXXX headquarters on XX/XX/XXXX and was told that even though i paid the account BEFORE they closed it that I can NOT use the XXXX credit card and my account will stay PERMANANTLY CLOSED. I have contacted my bank and filed a dispute to have the {$230.00} RETURNED to my account on XX/XX/XXXX. it is not my fault that Resurgent Capital did not communicate with XXXX about the payment so therefore they do not need my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX This account shows Im Late on one payment but its incorrect & shows 3 different late payments on 3 different months I paid this Account on time & has been paid off on time the inaccuracy of this late payment has affected my credit score & against the Law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.
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. 

Account name : XXXX Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : Transunion XXXX XXXX and XXXX. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : Transunion, XXXX, XXXX. * Account Name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : Transunion, XXXX and XXXX. * 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX First Money Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with First Money nor do I have a an account under collection or review with First Money. 
On XX/XX/XXXX I sent First Money a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Product: Mortgage

I had a conference call with the underwriter and my Lawyer, I told her and my lawyer many times before that I am TAX EXEMPT, Chase did not finalize the payment to reflect the changes needed to show that I am TAX EXEMPT. The payment they want is XXXX when my original payment was XXXX. The economy caused this by laying me off in XXXX XXXX. 
Chase did nothing to give me an affordable PAYMENT, I have heard that many mortgage companies will get rid of some or a lot of rear-ages. Chase could have decreased my rear-ages quite considerly so that I could have an AFFORDABLE PAYMENT, Instead Chase said that I do not qualify for XXXX. Chase said that I only qualify for XXXX XXXX 's standard modification. Chase did not send anything to myself or my lawyer stating how much what payment schedule it is when it was do they only verbally sent it. I was waiting for the change to the payment to reflect my tax-exempt. Here it is XXXX XXXX, XXXX and I still have not heard anything as to or been given anything as to the payment change for my tax-exempt, my lawyer called today and spoke to representative not the underwriter that we talked to and he said that I need to make the {$1800.00} payment by the end of XXXX to reflect XXXX payment. Then I have to make another payment by XXXX XXXX. I do not have that amount of money since I am on XXXX. They gentleman also said that it was too late to change the MODIFICATION and that they will give me credit or a refund, they want me to make at least XXXX payments, I have other bills to pay that are due and will be missed because of Chases way of handling there screwed up way of doing good things. I would not have been so far in the REAR-AGES IF CHASE EXCEPTED A PARTIAL PAYMENT SINCE I WAS LAYED OFF IN XXXX. THEY TOLD ME " NO '' WE ONLY WANT THE FULL PAYMENTS. The first payment should be changed to XXXX XXXX not XXXX XXXX WITH THE CORRECT CHARGE TO SHOW THAT I AM " TAX EXEMPT ''. I GET MY XXXX CHECK on the XXXX Wednesday of every month. I will make a payment reflecting the change SHOWING my " TAX EXEMPT ''. Chase should be held accountable for the way they do things. I do n't want to hear about GOVERNMENT STANDARD, AGAIN, I SHOULD NOT BE HELP ACCOUNTABLE FOR THERE MISTAKES. I COULD WRITE MORE, BUT I THINK THIS WILL GET THE WORD SPREAD AROUND. 

I WANT THIS SENT TO THE PRESIDENT OF THE USA, THE TREASURY DEPARTMENT, THE FEDERAL TRADE COMMUNION. IF NOT I WILL SPEND IT MY SELF. I WILL COPY ALL COMPLAINT AND SEND IT TO THE AGENCIES ABOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Product: Student loan

I took only XXXX course and the balance was pay by my fed loan XXXX and they said, my new balance is XXXX and my account was move to collection agency. I do n't know how to disputed the new balance, they going to close the college on XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and Nelnet continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Product: Checking or savings account

Citizens bank is advertising a XXXX bonus for opening a deposit checking account ( any checking ) and depositing over XXXX within 60 days of opening for a XXXX dollar bonus. They also advertise up to XXXX dollars for debit card purchases. I opened my account with them on XX/XX/2023. They said they pay 4 months after opening. I should have been paid XXXX XXXX. or at least at the end of month ( XXXX XXXX ) as advertised. I have met all requirements. Instead when I call them to inquire they leave me on hold, hang up on me, and promised me to correct my account with the deposit, but they did not. This is unacceptable and false advertisement.
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiry in my credit report XXXX XXXX
Product: Debt collection

XXXX. Called about an old payday loan. It 's long since been written off. They called me, did n't disclose it was a debt collection call. I had to ask four times what it was about. They claimed is was a bounced check. Another 4 times until they said it was for Check n Go. I hung up on him. Immediately called me back. I hung up again. Then they sent me an unsolicited email.
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Name Of Provider ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 

Also I send a debt validation to collection agency and they failed to respond