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

My account with ( XXXX XXXXXXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX 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: Mortgage

Mr. Cooper is my loan servicing company. I paid off my loan and Mr Cooper received the funds and refused to credit my account. I have talked to 5 customer service representatives. Four said they would fix the problem. The problem is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX  XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen & I called to let TransUnion that after that someone has been trying to open accounts in my name, They told me even though it may be fraud there was nothing they could do. I told them that was not right & I have sent the paperwork they requested with no outcome. Please help me get these inquiries off my report because I did not do them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received two letters from your company on XX/XX/24 and XX/XX/24 with the past document written on XX/XX/24. Regarding the recent letter on XX/XX/24 on the recent Early Warning consumer report, I am not certain why your company asks me to provide the further information since I do not find out any problem on the information on the account ending XXXX of XXXX XXXX XXXX. This account is a joint account with my husband as stated in the last correspondence from me. Therefore, there is no problem to have the pages of this account as my account, since I am a legal wife for XXXX XXXX. If your company consider including this account to the consumer report of your company, you disrespect the civil marriage in the United States, in which the marriage certificate was issued. Also, this marriage is legally registered in the XXXX family registration ; therefore, internationally, this marriage is considered as legal. Since this marriage is legal and I strongly believe XXXX XXXX XXXX treated this account as a joint account of XXXX XXXX and XXXX XXXX, I request the reason why your company insist my letter/document is incomplete and needs more information. 
As stated, several times before, I can not log in your company electrical communication portal, since it looks, I need some recipient email. Since this is my private and confidential information, I can not understand why this portal needs the recipient for the individual customer. I request your company will provide the portal for the individual consumer/customer, instead of cooperation body. 
Sincerely,
Product: Debt collection

XXXX is reporting Speedy CashXXXX. On my XXXX report as a debt. As Original Creditor. Speedy Cash can not report a balance as a debt. The same account is being reported. As a collection debt. With AD ADSTRA. For the same amount. Speedy Cash can report but they cant report the same debt amount. In doing so, My total debt amount is being reported higher than it is. Ive had Speedy Cash account deleted on my XXXX XXXX XXXX credit reports. I called Speedy Cashs dispute dept. About them reporting on my credit reports. XXXX continues to report this debt. Per the FDCRA, original creditor cant report a debt balance. Of and account that is being reported in collections. Account number is XXXX
Product: Credit card

They are making it impossible for me to keep my card current. I will make a payment, and they will reverse my payment and charge me a late fee without telling me. It's only a $ XXXX balance card, I have paid them {$250.00} since XX/XX/year> yet I somehow have a - {$6.00} balance as they will not stop charging me ridiculous interest charges that increase my credit balance and fraudulent late fees. I am sick of the way Elan does business and I want them to be held accountable for their predatory lending. They are a criminal organization masking themselves as a bankXXXX XXXX XXXX XXXX should be ashamed for recommending me this card.
Product: Debt collection

Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and I represent myself by myself. Please note, this is not a duplicate complaint, this is complaint due to new evidence. On XX/XX/2021, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2021, stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? XXXX never did a fair investigation according to the 15 USC 1681. This is the name of account as it listed on my report XXXX XXXX XXXX XXXX. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. I have attached to this copy of letter to the court and from the court. Copy of my social security number and my ID, proof of address, so you can verify my identity.
Product: Debt collection

My lease for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX., XXXX XXXX, TX XXXX began on XX/XX/XXXX and was created for a term of XXXX year. Before this, I was residing in XXXX XXXXXXXX previous to this in which I was informed in writing on XXXX occasions that I would not need to provide a security deposit. ( Lease agreement shows {$0.00} for Security deposit & the Welcome Home Letter also states this. ) I paid my rent timely each month without issue even with the property going through a change in ownership. On XX/XX/XXXX, I proceeded to make my payment as normal in full and had a {$0.00} balance. Then on XX/XX/XXXX, a {$300.00} charge for security deposit was placed and received a message on XX/XX/XXXX requesting for me to sign a new lease with the updated charge. On XX/XX/XXXX, I expressed verbally and in writing that I did not agree to this change and would not be signing any documents. In this same manner I also requested to have the charge removed from my ledger. It is stated within the original agreement on XXXX XXXX Lease changes are only allowed during the Lease term or renewal period if governed by XXXX. XXXX, specified in Special Provisions in XXXX. XXXX, or by a written addendum or amendment signed by you and us. The property manager, XXXX XXXX, denied my request and stated I needed to sign the paperwork and pay the balance. Multiple requests were made to have my concern raised to upper management and were not answered. When consulting with the legal counsel from XXXX XXXXXXXX XXXX XXXX, they stated that XXXX XXXX XXXX XXXXXXXX was in breach of the agreement, therefore making it null and void. I then proceeded to notify the property that I would be vacating the property and find other housing. They continued to go through the eviction process and place this on my credit and hand off to COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I have disputed this with all XXXX credit bureaus in which XXXX has deleted it from my file, but not XXXX or XXXX as they state COLUMBIA DEBT RECOVERY LLC DBA GENESIS has verified the account is correct. This has caused a significant burden on my quality of life as it has impacted my credit and rental history negatively. I need the account ( # XXXX ) deleted from my file entirely.
Product: Money transfer, virtual currency, or money service

I paid {$500.00} dollars for a camera that someone was selling on XXXX through XXXX on XX/XX/XXXX. He had sent me videos of the camera in real time and was showing me it and even showed a picture and video of him at the XXXX store to ship it. I sent him the money to his XXXX which was linked with his phone number and then he sent me a tracking number which turned out to be fake.
Product: Checking or savings account

I was recently scammed on XXXX, for a false job opportunity that was given to me. The " company '' sent out a check for me to deposit to go towards getting supplies for remote work. The funds were deposited through my mobile banking app through 5/3 bank on XX/XX/2023. I received a message on XX/XX/2023, stating that the funds were available. I was told by the " employer '' that the funds should be available and asked for me to confirm. I did confirm they were deposited into my account, and from there he offered for the " company '' to overnight a laptop instead, which required me to send the funds back. I did this through XXXX on my mobile banking app and XXXX XXXX, between the dates of XX/XX/XXXX and XXXX. On the morning of XX/XX/XXXX at XXXX XXXX, I did check my mobile banking app and noticed the negative balance, which let me know I have been scammed. At XXXX XXXX  central time, I called 5/3 bank to let them know about the scam and to inform them I had filed a police report, a report with the XXXX XXXX XXXX and I spoke with the hiring leader of the actual company, whom the scammers posed as. He also described my situation and said that this is a going thing and they are working with XXXX to resolve the issue. Fifth Third still chose to close out my bank account and required me to pay XXXX dollars within thirty days or set up a payment plan, after I was scammed and reported the scam.
Product: Checking or savings account

We are a 501c3 organization Welfargo charges us a monthly service fee and they don't have close by branches XXXX  doesn't charge us a monthly fee being we are a non profit. The fee is {$12.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got total loss in my car and the insurance company payoff the full amount of the vehicle but for some reason I have the wrong information in my credit report about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$6600.00}
Product: Mortgage

I recieved an email from my Mortgage Lender ( CMG Financial ) that my forbearance plan is in effect since XX/XX/2021 as approved with consultant from HUD Counselor over the phone. 

While on XX/XX/XXXX I contacted CMG Financial and asked them why they were still reporting my credit and they notified that my forbearance plan ended which was done without my consent I called again on XX/XX/2021 they reinstated that my forbearance is effective. 

I feel its not fair to be reporting my credit especially if my forbearance plan was in effect since 2021, I want to emphasize that I am protected under the CARES Act and this should not be reported to my credit. 

Thank you for you time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear JPMCB AUTO, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates remove accounts off credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. I am a victim of XXXX XXXX and I believe these derogatory marks stem from that XXXX  experience. 

As a XXXX XXXX XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of XXXX and it has. 

XXXX XXXX XXXX XXXX has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX
Product: Debt collection

CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Checking or savings account

Hello, on XX/XX/23 I received a text message concerning if I was trying to make a {$760.00} transaction at a XXXX XXXX XXXX stating reply yes or no I then replied no. The number that texted me that then sent me a text stating that I will be receiving a call regarding the transaction that someone was trying to process. I received a call then I let them know that I dont know who or how someone was trying to make a transaction because my card was in MY possession at the time. It was very suspicious to me. I told the agent from chime that I dont allow anyone to use my card nor do I give anyone my information to my account or card!! I was on the call for over an hour trying to see what was goin on and they were able to go into my account to see and they told me that I needed to delete the app and reframe from logging into my account for that day and that they were going to give me a call the next day to let me know whats going on. I did not know wether to believe them or not because it was unusual for them calling me. but I I then reframed from logging in until the next day. On XX/XX/23 Wednesday night, I received a call from the same agent and same phone number from the day before, around the time my deposit was being deposited. I had a deposit hit to my account from my job ( the same time I always get my deposit ) I started to notice transactions were immediately being made. I called the number back to back to back to back to back they would not answer me. I started to get worried about my funds and immediately looked up chimes number and the number I was on the phone with was not the chime support number on the website. I then got in touch with an agent from chime they told me that I was possibly speaking with an anonymous scam chime. She said that she would place my account on hold and restrict all activity being made through my account. I told her I wanted to file a claim for the disputes. I filed 3 claims. The agent told me that I would receive an email regarding my claim ID numbers. I received those. The next day I received an email stating that one of my disputes were closed and denied those funds that were made. I immediately called chime back and asked to speak to someone higher up that can help me reopen and get my funds back to me! They said that the only way I could contact the investigation part was email. So I then emailed them, I sent photos attached to the email showing them my evidence of the transactions on my account. Its XX/XX/23 and I am still getting those disputes denied for I dont know what reason because I did not whatsoever make those transactions! I would REALLY appreciate if someone could help me with this and help me get the money I earned back into my account! I dont know what else to do because chime is not being very helpful at all. Please please help! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently satisfied a balance on my credit report. I was under the impression that the item would be removed from my credit but it hasnt. Out of goodwill and faith, I kindly ask that this account be removed from my credit. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions