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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXXXXXX 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

In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XXXX ( I believe operated by US Bank ) is completely shirking its responsibility.

1. I can not activate the card online. the system tells me to call the phone number.

2. I call the number and ( after a 60 minute wait ) I am told that I can not be helped until the card is registered online. I try day after day and still nothing.

3. The sticker on the card states that the card can be used in stores without being registered online. But the card was declined.

No way of accessing the funds on the card. I have the receipt from the market it was purchased
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken to court in XXXX of XXXX by XXXX XXXX XXXX and the case was dismissed without prejudice but they turned it over to collections anyway. I didn't even see it until I went to buy a house and couldn't because I had an open collection on my report. I got in touch with the collection agency and ended up paying it so I could buy my home. 
Now the collection agency is saying I agreed that I owed it by paying it and that is not true. I had to pay it or not get my house. The collection agency and I came up with a settlement of {$290.00} to clear the debt. 
This was back in XXXX that I started trying to work with them on this wrongly reporting this to my credit report. Three years later and this collections agency has cursed at me, they have screamed at me, including someone who claimed to be the owner. I am appalled at how they get away with this. I sent the proof of the court document that states dismissed without prejudice and I get a response from them that says just because it was dismissed without prejudice doesn't mean I didn't owe it. Well the AZ STATE law states that the status of limitation is 6month from the date of the court hearing to refile and they did not do the law also says that it's like it never happened but here I am 6 years after court and 3 years from when I became aware it was on my credit report and they repeatedly refuse to remove it from my credit report stating I owed it. They did not refile with in the frame so the case is like it never existed. Well it does and this collection agency will not admit fault and remove it. 
I am attaching the court document, the information on azlaw that states the statues and what happens if they don't refile in this time frame. 
The collection agency owes me the money they made me pay to buy my home ( and battle later ) in the amount of {$290.00} plus remove this from my credit report immediately and I am expecting some kind of apology for having to go through all of this and them beating me down by intimidating me with cursing, yelling, rudeness every time I called. 
I even called XXXXXXXX XXXX and got nothing. 
I believe the collection agency is retaliating because I have gone to the XXXX, to XXXX XXXX, wrote a unpleasant review about it, contacted the owner who also was very, very unprofessional and I'll leave it at that, so now they are fighting me the whole way. 

Thank you for any help you can provide. 

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

I have made all payments on time. Due to an error with XXXX XXXX payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, XXXX XXXX continues to lower my available credit thus hurting my score by XXXX point or more over just a few weeks. I have contacted XXXX XXXX through XXXX XXXX financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like XXXX XXXX ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a XXXX XXXX I sincerely hope that you are able to assist me as well as go after XXXX XXXX and these actions on others as I am assured Im not the only one.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 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 or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), that you, TransUnion credit reporting agency, remove inaccurate information appearing on my consumer credit report that is the result of identity theft and fraud. 

The fraudulent, inaccurate, and false information consists of the following 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 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

To support my claim, I have attached a copy of the FTC Identity Theft Criminal Complaint # [ Private Case Number ] as proof from the U.S. Federal Trade Commission that the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I respectfully request that TransUnion complies with FCRA 611 and removes these fraudulent accounts, collections, and hard inquiries from my credit report immediately.
Product: Mortgage

Mortgage is delinquent by {$14000.00}, working with Loss Mitigation department for months with no resolve. Mortgage collection sold to Shellpoint Mortgage Company 15 days ago. Spoke with them and was told the Mitigation was in process with them now and was being handled by our representative. I could call to make payments on automated systems XX/XX/20 Called to make a monthly payment, automatically routed to an alleged representative that is never there and will not return calls. 

Called back without identifying self and got an agent who refused to take a payment, only will take payment in full, otherwise must talk with assigned representative who is not available. 

I noted to agent that this is a recorded line and is therefore discoverable. Asked to escalate to a supervisor was left on hold for A representative took the call since past due account they can not take a single payment must be 4 of those payments. I am not able to accept one payment at this time I can not pay one months payment in any way, shape or form. They can not take anything but 4 payments, this has never been said or sent in writing this is the first I am hearing this. I was welcomed to mail in a check but it could be refused and returned or held with no action. 

Note that previous company, XXXX, took monthly payments while working on a payment arrangement. Fees continue to escalate during this time. 

I asked for a manager and was placed on hold once more. 

With the manager, we advised each other we were both recording, I simply repeated everything I was told for confirmation and again asked for a process to send in a monthly payment. Given same story with no option to make a payment other than an amount I can not pay. Because the payment arrangement was not in place, they will not take any monthly payments until this is reviewed and will take up to 60 days 2 months of additional and forced delinquency to complete this review. Any payments sent in will be returned. I questioned the legality and was told this was their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates claims it purchased an old debt from XXXX XXXX. Despite request, it has not provided legally sufficient documentation that it owns my debt. It has provided some documentation concerning my account, but has not provided any documentation of ITS OWN OWNERSHIP of my account, and therefore, it can not show that it has any right to put a negative entry on my credit report. I've requested that this entry be deleted. It refuses to delete the entry.
Product: Credit reporting or other personal consumer reports

I have several fraudulent hard inquiries on my TransUnion credit report that I know dont belong to me I even had a fraud alert I dont apply for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Product: Checking or savings account

On XX/XX/year> I received a bank statement in the mail from Marcus by goldman sachs. The statement was for an online savings account that I did not open, and I have never heard of this bank. The statement lists my name but also includes a name of a person I do not know. I contacted the bank and was put in touch with their fraud department. There was no account activity, nor any money ever put into the account, but it did exist. They said they would close the account. I also filed a police report with my local police department. 

XXXX XX/XX/scrub>XXXX  I called the bank back to check on the account and requested they double check the account is closed and to send me a confirmation letter in the mail. Which they did a few days later.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal line of credit, loans and more, these accounts are XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX, and XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 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: Student loan

Nelnet keeps listing my account as having past due payments. When I paid, they didnt credit the account. I disputed 3 transactions and the bank returned my money. Account was once again showing past due, even though Nelnet is supposed to write off this amount due to the XXXX vs XXXX class action settlement and return all the money paid. I once again paid to avoid any issues while they work out the settlement process of returning money and discharging the debt, but once again they did not credit my account, even though the money was pulled out from my checking account.
Product: Credit card or prepaid card

{$800.00} was fraudulently taken out of my account on XX/XX/XXXX at a Bank of America ATM. I upon noticing immediately contacted Bank of America and reported it as fraud and opened a claim. I then set security measures on my account to prevent further fraudulent ATM withdrawals. I was debited the amount pending an investigation. On XX/XX/XXXX {$1000.00} was taken from a Bank of America ATM in XXXX when transactions on my account show that I was in XXXX at the same time. On XX/XX/XXXX {$1000.00} was taken out from a Bank of America ATM in XXXX. On XX/XX/XXXX {$1000.00} was taken out of a Bank of America ATM in XXXX XXXX and on XX/XX/XXXX {$1000.00} was taken out of my account from a Bank of America ATM. Upon realizing these fraudulent charges has occurred I contacted the bank again and opened up a second claim for {$4000.00}. They debited me the money pending an investigation. They although having access to all of the evidence they could need, ( ie cameras, bank statements, etc ) found my case to be " no fraud found. '' I immediately reopened the cases and was told that unless I was able to provide them more proof that the decision would not be changed even though they have not proven that I was negligent or that I committed the fraud. I decided to file a police report. After doing so Bank of America sent me two letters stating that they had reinvestigated my case and had found that my account had been tampered with and they found fraud and that I would be receiving the money back. 11 days after the letters I still had no access to my online banking account or anything. I called Bank of America and they informed me that although my case had been settled that it was once again overturned due to new policies and that I would need to fax in a copy of my police report if I wanted them to escalate and reopen my case again. In addition they had removed the credit of {$4800.00} which then put my account into the negative. During that time a couple of my unemployment deposit hit my account and they took that money out to cover the difference due to my account being in the negative. So they did not protect my money in the first place, have revictimized me all along with the way, I have been given completely contradicting information from every single representative I spoke with, and now they are stealing additional money to cover my account balance being in the negative.
Product: Mortgage

I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees
Product: Credit reporting or other personal consumer reports

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2.
Product: Payday loan, title loan, personal loan, or advance loan

I received the loan from Springleaf Fiinancial. One Maln bought the Company and they pushed a lot of loans on me that put me into a financial bind. I've paid off thousands and I still owe them. It is obviously fraud.
Product: Debt collection

Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.
Product: Debt collection

I am the Rep. of my sisters estate. I called Synchrony Bank to get the balance that was owed before it went into collections and I was told they could not give me that info due to the fact it was closed out. I in turn said you are the bank that held this account and they still refused to give me the info. I wanted the exact amount owed before any interest accrued and she repeatedly told me they do not have that info. This was for a Walmart card and I am trying to take care of the bills for the Estate. Synchrony Bank is refusing to work with me on this matter and having to get in touch with XXXX debt collector is causing much XXXX, I just want to get htis over with.
Product: Debt collection

This is the second time I have file a complaint over a unverified account from SUNRISECREDIT SERVICE # XXXX. I recieved a response back in XXXX XXXX that this account would be deleted from my credit report. I AM DEMANDING THIS ACCOUNT BE REMOVED AND STATED BY SUNRISE CREDIT SERVICE BACK IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a free consumer report from XXXX and they have not completed my request, do not respond to my emails, do not answer the phone ( NEVER ), and my report has been pending for over 2 months and the company does not respond! how can companies SO UMPROFESSIONAL be allowed to handle such delicate and important information of people I don't get it...
Product: Credit reporting or other personal consumer reports

When checking my credit reports with experian and transunion they are always very far off from my actual credit. That lead to declined loans or credit checks which then decreased my score exponentially even more. They also do not update when payments have been made and report late payments when they're not actually late.