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

To whom it may concern, I trust this message finds you well. I am writing on my behalf to address a recent 30-day late payment entry on my credit report, specifically from XXXX XXXX XXXX 

*Proven Financial Responsibility : * Throughout my credit history, I have consistently demonstrated responsible financial behavior, maintaining a strong track record of timely payments. The recent oversight is an anomaly and not indicative of my usual financial habits. 
*Challenges Due to Loan Company Practices : * The late payment was exacerbated by challenges stemming from the practices of XXXX XXXX, such as a. Not reinstating my autopay when I called in on XX/XX/XXXX and b. Prior to calling in on the XXXX - XXXX XXXX  had a bug on their website where customers were unable to make payments. This bug lasted a few days and led to me wanting to utilize auto pay in order to say current. These external factors contributed to the delay in my payment, despite my ongoing commitment to meeting financial obligations promptly. 
*Consistent Positive Payment History : * Over the years, I have maintained a commendable payment history with XXXX XXXX underscoring my commitment to fulfilling my financial responsibilities. This isolated incident does not align with my established pattern of responsible credit management or XXXX XXXX and Is outstanding relationship. 

Considering my overall creditworthiness and the external challenges posed by XXXX XXXX procedures, I kindly request the removal of the 30-day late payment entry from my credit report. Doing so would ensure a fair and accurate representation of my true creditworthiness and financial responsibility. 

I appreciate your attention to this matter and thank you for considering the circumstances surrounding this isolated incident.
Product: Checking or savings account

I XXXX  the phone number for. XXXX  ( cable provider ) to get my bill lowered but it turned out to not be XXXX at all. I discovered this when XXXX took an auto payment for my actual bill. I called them to explain that I already paid my bill. They assured me that the payment was not made ( the original payment ). I called the bank and filed a claim against the charge. They reimbursed me for that one. But the debit card already had XXXX different unauthorized charges. The bank refuses to reimburse me for those charges. The original charge was made on XX/XX/year> The XXXX transactions took place after that thru XX/XX/year>. The bank sent me an email telling me that my balance was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are result of fraud and should be removed
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Looking at my consumer report I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/scrub>XXXX XXXXXXXX  I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, Experian, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

21.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.
Product: Mortgage

Hi, We were issued and approved for an FHA Standalone Partial Claim from our lender ( Freedom Mortgage ) for our FHA loan for our property. We were in forbearance due to COVID-19. They sent us a proposed loan modification back in XXXX which included the below modified terms : - Lowering our interest rate from 4 % to 3 % - Lowering our principal balance and including this amount along with the forbearance arrears into a second interest free junior lien account. 
- The aforementioned would lower our monthly mortgage payment from {$5200.00} to {$4300.00} After we signed and notarized the documents and sent them back, they are now claiming there was an error on the maturity date ( their fault ) and are reversing all the proposed terms which will increase our interest rate back to 4 % and will bring our payment back to it's original pre-covid amount of $ XXXX/month without any valid reason or response. The communication has been non-existent and this is the first I am hearing of this. They are claiming our payment will be increased and due on XX/XX/2022. 

I was thankful for their original proposed modification and assistance as it would have helped us tremendously, but I would like to file an official complaint as this is not right and we are essentially receiving no modification or assistance. 

Thanks, XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit card or prepaid card

This all originally started when I sent a payment from my bank account to the credit card company ( Barclays ). The payment was sent before the due date, the details are below this message. 

Long story short, they said they didn't receive the payment, and charged me a late fee of {$29.00} So then I proceeded to question them about it, and they reversed that fee, which I was grateful for. But, in the meantime I wanted to know what happened to the payment, so I called my XXXX XXXX XXXX and they said they could stop payment on it. So I did that. 

Well then Barclays charged me another fee called " return payment fee '' of {$29.00} XXXX but they never received the payment. So I kept asking them why am I being charged this fee when you ( Barclay ) never received it. They would give no clear answer and will not explain. 

I also told them I want the account closed, and they refuse to do so in a timely manner. Saying they keep the account open for viewing or some other reasons. I want to somehow protect myself or know what to do in this instance because I feel somehow they are going to keep charging me fees, and keep the account open - hence why I am contacting you, to have record of this. 

Thank you for any help and guidance you may have in this matter, would be greatly appreciated. 
XXXX XXXX Details of the original payment. I also attached a screenshot of the payment. 
Sent On XX/XX/2020 Delivered by : XX/XX/2020 Amount : {$64.00} Paid from : XXXX XXXX   Confirmation # : XXXX Type : Check Sent to : Card Services XXXX  XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, my credit report reflects unauthorized hard inquiries that negatively affect my credit. Please take action to remove them.
Product: Credit reporting or other personal consumer reports

This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.
Product: Debt collection

Received a letter to be sued by a company I never had any acknowledgment of. I did not sign any papers with Midland credit management. Yet they are trying to sue me for a debt that I never even had with them.
Product: Debt collection

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. Which involved a finance charge along with a down payment of { {$3000.00} } cash. Pursuant to XXXX5 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX XXXX is in violation of the 15 USC 1605 Truth In Lending Act. Capital One Auto Finance didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable for double the amount of my finance charge { {$47000.00} }, pursuant to 15 USC 1640 and 15 USC 1692K.
Product: Credit card or prepaid card

On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax regarding erroneous information being reported on my credit report by the creditor XXXX XXXX XXXX. This creditor erroneously was reporting that my account was in collections and past due when in fact both myself and the creditor entered into a settlement agreement filed with the court resolving the matter and paying off the creditor. I notified Equifax as well as the creditor XXXX XXXX XXXX XXXX Account XXXX XXXX to remove this information and they refuse to do so in spite of the fact that I even provided supporting documentation that the matter wasn't in collections and the account was settled and paid.
Product: Credit card or prepaid card

On XX/XX/XXXX, I, XXXX XXXX, called to check the balance of my benefits card ending in XXXX for my child support. The balance was only {$1.00} when it should have been over {$2000.00}. The expiration month of the card was XX/XX/XXXX so I almost thought the company sent me out a new card and transferred my money until I was able to get a customer representative over the phone. She told me that I had a lot of XXXX and XXXX XXXX accounts created with my card and that there was a new card issued to me ( I didn't receive it ). I asked her if I needed to file a police report. She told me no and that she would send my complaint over to the fraud department to have my money refunded. XXXX XX/XX/XXXX, I received a letter from the fraud department stating that they didn't see any fraudulent activity. I contacted the fraud department, and the young man told me to go ahead a file a police report, contact the merchants that I didn't authorize, and to write a handwritten statement so the fraud department can reopen my case. I did everything I was asked to do, and my case was again denied. I contacted the fraud department again and now they are saying that they will not reopen my case because it is my fault that I did not notice the money missing sooner and that I would have to provide new evidence to get my case reopened. The card holder service is called Way2Go Program. The state I live in is Alabama and that is the card service company they use for child support payments. I have been arguing and begging this company to replace the money, but they refused. I have all paperwork. XXXX XXXX replaced my money, but the other merchants need assistance from the investigators before they replace my money, but the investigators will not cooperate. The fraud department is rude, and they have no sympathy for their customers. They have been giving me the run around ever since I filed my complaint in XXXX. My case number is XXXX.
Product: Checking or savings account

Dispute Over Unresolved False Charge on Citibank Account XXXX XXXX XXXX, 2022, for {$130.00} There was false charge that appeared on my Citibank account on XX/XX/2022, for an amount of {$130.00}. Despite my efforts to have this issue addressed, the matter has remained unresolved.
Product: Payday loan, title loan, or personal loan

LENDING CLUB IS IN VIOLATION OF THE LAW OUTLINED BELOW : The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 

Lending Club offered a payment arrangement on XXXX. They had always offered a 15 day grace period, and I was very happy about that because I had received my first paycheck from my new job. I left the workforce pre-covid making $ XXXX/yr and re-entered on a Contract assignment the first week of XXXX making $ XXXX/yr. 

I made XXXX XXXX payment. A week after my new job started my elderly father caught Covid. So in XXXX, my entire world was upside down and any Bill that wasn't on autopay slipped through the cracks. I was totally overwhelmed. 

I called Lending Club and explained that it was an oversight due to my circumstances. 
My plea fell on deaf ears. They did not care, even after I immediately made the payment at the beginning of XXXX ( see attached ). Keep in mind that when I made XXXX XXXX payment in XXXX, the payment was not 30 days late. 

Then when I logged in to make XXXX XXXX payment on the XXXX, the account showed that I was approaching 60 days past due and that I owed {$780.00}! 

I was able to borrow the money from I relative because I did not want my credit ruined. 

I had no idea that they started reporting my account late in XX/XX/2020! 

Please make them follow the law and remove all 4 late payments from my credit report, I would also like to know how that {$780.00} was applied. I was on a Forbearance plan, and the law states that I wasn't supposed to incur penalties, late fees, or interest during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a complaint to Experian on the XX/XX/2020 explaining and giving specific details about the inaccurate information on my report! There response was if I gave full ssn number they will investigate the matter! Which I gave in the first complaint!
Product: Credit reporting or other personal consumer reports

Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.
Product: Money transfer, virtual currency, or money service

Money was stolen from our checking and savings account by hackers making unauthorized ACH transfers from our accounts. We immediately went to our bank to start reporting and claims processing. Bank employees provided conflicting information and advice with regard to next steps. When we provided the bank with information on a similar hack that took place at their bank in another state, within the same time frame as ours, they failed to respond to requests from us for additional information, and would not put us in contact with their cyber security team to facilitate a full investigation. Multiple attempts to reach them on our own failed. The unauthorized transfers from our accounts total more than {$50000.00} to date