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

My account with XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date.

XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND 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 XXXX 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 or other personal consumer reports

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX under account XXXX This account is being illegally reported on my credit report. I formally disputed it directly with XXXXXXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX, I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank YouXXXX XXXX XXXX


Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File No. XXXX
Product: Credit reporting or other personal consumer reports

I have a leased XXXX BMW with BMW financials and for the first time after 6 years there was a misunderstanding between BMW financials and XXXX XXXX XXXX XXXX where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason BMW didn't get the money, no one from BMW financials contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did BMW charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by BMW financials now this action on their part dropped my XXXX XXXX by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.
Product: Credit card

I deposited {$500.00} with USAA and received a secured credit card. I paid my balance every month and only had the card a few months before USAA close my account with no notice, now warning and tried to charge me some {$80.00} in late fees I did not owe. They took my {$500.00} deposit which was fine. I called and officially closed the account yet after a year and a half they still show my account was active with the credit bureau and constantly late and add amounts to the so called fees owed every month. This account was closed and should be showing as active and fees accruing. I want this corrected!
Product: Debt collection

I fell behind on my credit card payment. Capital One called my husband who is not on my account and asked him to pay my bill. When he refused they told him how much I owed them. I dont think thats legal.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items need to be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXXXXXX XXXX XXXX this account with XXXX XXXX XXXX XXXX XXXX XXXX has been paid off. I was charged additional interest because they were having system upgrades that went haywire. No reporting to the credit bureau, no answers, deceptive answers and lies about reporting. I monitor my credit closely and this is awful and it is hurting my credit utilization. I did my part, paid the bill, they should report accurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Midland XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collections Debt Dear CFPB, I am writing to dispute the validity of the collection account associated with XXXX on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following poin

ts : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken.

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, XXXX XXXX
Product: Consumer Loan

Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.
Product: Checking or savings account

I opened a SunTrust checking account ( Account Number : XXXX ) online and made an initial deposit of {$1500.00} verified by SunTrust customer service on XX/XX/XXXX, but SunTrust closed my account a week later without any valid reason. On XX/XX/XXXX SunTrust sent me a letter stating the following : At the time of account closure, SunTrust Fraud Operations performed a thorough review to determine the status of the funds in your recently closed account ( s ). We have determined that the remaining funds in your account ( s ) will be mailed to you in the form of a check within 5 business days.

So I waited for 3 weeks but did not receive my {$1500.00} fund as promised. I started calling SunTrust. SunTrust told me the fund was being held without providing any reason and asked me wait for one more week. Then I called again a week later and got the same answer. In the past 6 weeks, I called SunTrust at least six times to request my funds, but SunTrust was still holding my funds. At this point, I was so frustrated by the SunTrust unprofessional and nearly fraudulent conduct.

SunTrust closed my new account even though I did nothing wrong. To make it even worse, SunTrust has been holding my {$1500.00} funds for two months, especially when I really need this money to get through the current Covid-19 crisis.
Product: Mortgage

Our servicer XXXX XXXX moved us to, Specialized Loan Service, who was supposed to send us a new Loan number on XX/XX/2023 by mail. So far they have sent nothing and when I try to call they don't recognize me or my old XXXX loan # and it all is AI driven responses that don't give any resolution. XXXX XXXX is no help either. 

How can a bank transfer an amount this large w/o out any kind assurances that their previous customers won't lose everything? 

YOUR SITE says it can provide a counselor, WHICH IS NOT TRUE. You provide courses and workshops NOT a counselor. You should fix that, it is misleading and a time waster. It is possible people are being sent to the site with that expectation.
Product: Mortgage

I've been calling Loan Depot on behalf of my aunt ( I am authorized on the account ). They offered her a loan modification for {$660.00}, due to her falling behind in her payments. Every time I call they have the wrong payment amount in the system and say they will get it corrected. The last time I called, they said the payment is increased yet again. 


-Called XX/XX/XXXX and they had wrong payment in computer for {$690.00}. Representative said that they could not accept the payment for {$660.00} due to the computer saying {$690.00}. She said that they will update the amount and I could call back to make the payment. Spoke with XXXX XXXX employee ID XXXX ). 
-Called again on XXXX, and the payment amount was still incorrect in their computer. Spoke with XXXX who said she would escalate the matter to correct the charge. She said it should be changed in a week and they would call to update me. I confirmed that they had my number. I did not receive a call back from them. 
-Called on XX/XX/XXXX, spoke to XXXX XXXX XXXX employee ID XXXX ) and she said that the payment still did not say {$660.00} and it actually would be {$700.00} starting XXXX, and continuing for XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave the Credit Bureaus consent in assembling and evaluating credit and information on my account. The Credit Bureaus were not responsible, unfair, partial and did not respect my right to privacy.
Product: Credit card

On XX/XX/year> I informed Citibank that my husband died. They closed our account. There was a credit balance and reward balance. For the rewards balance, they told me to send a letter or email & include : " I am requesting rewards from account XXXX. Please send the rewards to my address '' ( which also is the address on the account ). I also was to include a copy of the death certificate. XX/XX/year> I immediately prepared the email & submitted it with the death certificate. XX/XX/year> Called CB to ask where the money was. I was told I should have it with the closing of the 3rd billing cycle, XX/XX/year>. No check so I called again on XX/XX/year>. I was told the check for the credit balance on the account had been mailed on XX/XX/year>, but when I asked about the reward check I was told they needed documentation showing I was the executor of the estate. NO ONE HAD SAID ANYTHING ABOUT NEEDING ADDITIONAL INFORMATION SINCE MY FIRST CALL ON XX/XX/year>!! They didn't need any additional documentation for the credit balance. That check was sent XXXX my husband 's estate at the mailing address on the account. WHY IS THE REWARD CHECK ANY DIFFERENT? I immediately sent a copy of the page of my husband 's will which clearly shows I am his executor. I still as of XX/XX/year> do not have the money that CB has owed me since XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent inquiry done with XXXX Credit Card Services on XX/XX/2018.  XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and Experian as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
Product: Credit card

XXXX capital one cards closed in XXXX when i called to setup repayment i got put into a program with guaranteed XXXX dollar late fees that were not disclosed to me i have been charged XXXX late fees on both accounts {$40.00} for a total of XXXX in fees ... my credit limits on these cards are XXXX dollars and im getting charged this high amount of fees all for a repayment program? This has got to be illegal please investigate this capital one " build a plan '' i spoke to senior account XXXX XXXX at capital one who told me yes the plan triggers these late fees and there is nothing they can do but now my min payments this month are XXXX?
Product: Credit reporting or other personal consumer reports

ASKED FOR AN AUTHENTIFICATION AND VERIFICATION USING THE FCRA SECTION 609 LETTER AND VERIFIED RESPONSES BY MAIL ALSO TO DELETE ANY UNVERIFIED INFORMATION ON THE REPORT UNTIL A COMPLETE AUTHENTIFICATIONVAND VERIFICATION OF THE RECORD HAS TAKEN PLACE AND I CAN INSPECT THE RECORD. FOR MY PERSONAL AND PRIVATE INFORMATION TO NOT BE IN THE PUBLIC.
Product: Debt collection

An employee, " XXXX XXXX '', from XXXX XXXX XXXX tried to get me to pay for a debt that was already paid. He had all of my personal information regarding the debt. However, this debt was paid. When I asked for valid paperwork, I was transferred to his manager who explained I would be taken to court. 

Previously this company called me about a different debt that I was suspicious of. I did give them {$1500.00} for that debt. 

This time they wanted me to pay {$2700.00}. They are obviously a scam. The number they called from is XXXX and " XXXX '' is at extension XXXX. 

The more questions I asked and suspicious I became, the more they became aware that I was not going to pay their debt. They are con artists with access to many people 's information.
Product: Debt collection

I received a notification that I had a collection on my account. I view the notification to find out that a company had claimed that I owed the outstanding balance of {$59.00}. I called and was told that they had sent collection paperwork to my address. That address was an address I had four years ago. I am an XXXX XXXX XXXX XXXX who XXXX in 2016 when I had the company XXXX. Before deploying I returned all of the necessary equipment. I called the company and asked about the charge and the company could not find an account that I owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, not my addresses, nor did I authorize these companies to pull my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 around XXXX XXXX my XXXX and credit cards were pickpocketed. 
XXXX XXXX Police department case ID : XXXX I contacted my financial institution America First Credit Union shortly after I realized what had occurred around XX/XX/2023 around XXXX XXXX. 

Later that day around XXXX XXXX a XXXX  transaction for {$2500.00} was made from my stolen phone to another account. 

AFCU should have not allowed it to begin with because I reported my iphone stolen which should have indicated online banking was also compromised. 

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

I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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

On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of my credit report
Product: Credit reporting or other personal consumer reports

In relation to 15 USC 1681c-2, my credit report shows unauthorized hard inquiries that are impacting my score. Kindly remove these incorrect entries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Credit Bureau Systems , Inc. for their reporting of a debt of {$78.00} to the credit reporting agencies without properly investigating or showing evidence that I owed the debt. When I asked for verification of the debt, they sent me paperwork that did not have my name or any identifying information on it. 

I believe that Credit Bureau Systems , Inc. has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit reporting agencies. I have been adversely affected by this reporting, as it has lowered my credit score and made it difficult for me to obtain credit. 

Despite my repeated requests for verification of the debt, Credit Bureau Systems , Inc. has failed to provide me with any meaningful evidence that I owe the debt in question. The paperwork they sent me did not include any identifying information that would allow me to determine if it was actually related to me. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credit Bureau Systems , Inc. for their violations of the FCRA. I also request that Credit Bureau Systems , Inc. be required to remove the inaccurate and incomplete information from my credit reports and provide me with verification of the debt in question. 

I disputed the company multiple time on the following dates : XX/XX/23 XX/XX/23 XX/XX/23 The company never changed anything and marked it as verified. 
The papers that the collection company sends as part of their investigation into your dispute should ideally have your name or some other identifying information on them. This information is necessary to verify that the debt in question belongs to you. 

Under the Fair Credit Reporting Act ( FCRA ), a debt collector is required to provide you with verification of the debt if you dispute it. This verification should include the name of the original creditor, the amount of the debt, and other identifying information related to the debt. 

If the collection company sends you paperwork that does not have your name or other identifying information on it, you should follow up with them and request additional documentation that will help you determine whether the debt belongs to you. You can also dispute the accuracy of the information with the credit reporting agency that is reporting the debt, and provide them with any supporting documentation or evidence that you have.

Ultimately, if the collection company can not provide sufficient evidence that you owe the debt, the credit reporting agency may be required to remove the debt from your credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights and have added credit inquiries on my credit report that I didnt authorize and demand removal immediately. 

They are as followed : Inquiry details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX