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

My account with My account with XXXX XXXX XXXX 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 60 - 90 DAYS 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 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 card or prepaid card

I opened a First Progress account years ago which charged off and was sent to XXXX XXXX. I have called XXXX XXXX multiple times and they claim the account is no longer in their office and to call First Progress. I call First Progress and they say to call XXXX XXXX  This is holding me up. Because i cant pay the balance i cant apply for a mortgage. Someone should be able to locate my account and accept payment
Product: Checking or savings account

I have a Bank of America small business checking account that is linked to XXXX. Periodically they update their security or something else, rendering my account impossible to access through XXXX. When I call I am told that it is a XXXX issue,. I call XXXX and they say that it is a Bof A issue. Last Saturday I spent 4 hours on the phone, but nobody could help. Today, the only day that I had time to call, I spent another 2 hours trying to resolve the issue, but I was told that I was having this problem because of a security update and I was not alone. However, they could n't help me and someone would call me in a couple of business days. Meanwhile, my entire business banking and financial abilities are paralyzed. If they are having this problem, they need to have staff available to help! also, their website says that they are open until XXXX XXXX, but when I called at XXXX they were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$6100.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with XXXX requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with ProCollect Inc XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed ProCollect Inc would remove the collection from my credit report. Attached below is my PCI receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Product: Mortgage

On XX/XX/2020 I applied for a mortgage through Navy Federal Credit Union. I submitted all requested documents and 30 days later I have yet to receive a notice of denial, counter, or incomplete application. Ive contacted the company via email several times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint that has already been taken care of. 

My husband and I both recently put a hold on our credit freeze so that we could get a new credit card. He called TransUnion on the phone to do this. He never once authorized a new service or gave them our current credit card information. YET, we just discovered ( while reviewing our current credit card charges ) that they charged our current card {$24.00}. Again, we never even gave them our card number. 

We were able to call them back, and after 45 minutes on hold, he was instructed to call a different number. After another long hold, a representative did finally cancel the charges ( although I haven't yet seen that materialize on our current card ), after stating that this {$24.00} was for credit monitoring. Again, he NEVER authorized any such services by them. 

When searching the internet, it seems like this is a common complaint coming up. I really think that government oversight should look into this, as they are charging unsuspecting customers who might have never even given them a credit card number. Did they use our information from our credit report? If we hadn't been vigilant in going over our charges, then they would have gotten away with this. 

Link to a website with numerous similar complaints : XXXX XXXX XXXX  Please look into this. 
Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023 through XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( XXXX ).
Product: Credit card

I want this company to seriously check into why they would give me so much credit without checking my income and open credit accounts and why their algorithm did not flag it as high risk. What logic tells you a XXXX XXXX  on XXXX making XXXX a month could possibly afford this kind of credit. You never looked into it. Obviously I was XXXXXXXX XXXX XXXX XXXX XXXX, but no you took advantage of a situation you saw money over logical thinking. The algorithm is the legal president to weeding out problems if it's flawed your company is flawed and according to the 2009 fair credit card bill put restrictions on such kind of business practices, and this company also broke the law by violation of the disability act. I'm so sick of company 's taking advantage of people with bad business practices. I obviously had no control over my actions was making bad decisions based on XXXX. I've XXXX  XXXX  for XXXX years on XXXX XXXX and I have problems the only thing to protect me is your algorithm and it obviously did not do it's job and needs to be corrected. I feel really bad about what happened, but your playing the victim when your just as guilty as me if not more taking into consideration my illness. I want this debt taken off my credit and the debt is nul in void due to the negligence of the company
Product: Payday loan, title loan, personal loan, or advance loan

I have a installment loan with Tower Loan in XXXX Mo. After I got divorced, my income was so meager that I was unable to pay the monthly payment. They call me two or more times per week. Every time they threaten me that they will put a lien on my house. I know that they have the right to do this but they do not have the right to threaten me. I have been on XXXX since XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX, I Called for assistance on setting account up online to view and pay bill ( this was a replacement card ). First call went great, I thought I could finish registration on my own, ended call. Could not complete online registration and I called back in, I got a rep in the XXXX and I politely asked to be transferred to a rep in the U.S. and he replied " oh, so you do n't want to talk to a XXXX? '' I did n't say anything and hung up. I called back in, very frustrated and got an American rep, I thought she said her name was XXXX, but I was n't sure so when she asked for my name, I asked for hers again ... she acted like I had given her my name and said one moment, while I open your account. I do n't believe that I ever authenticated the account. I said something else to her and she did n't even hear what I said, so really frustrated I hung up again. At this point, the law of averages HAD to be on my side, right? I got XXXX this time, nice guy, but I asked for a supervisor ... maybe his name was XXXX? This guy spoke over me, did n't have my account pulled up and advised me, that he would listen to the 2 calls based on my statement, and call me back. He called me back within 20 minutes and said that he had listened to the calls and I did say that I was thinking about cancelling the account. He said that the mean XXXX rep transferred the call to an American rep and I cancelled the account ... .but wait! I hung up on the overseas rep, he never transferred me. I mentioned closing the account to get transferred to an American rep, because their retention dept is in the US. The supervisor obviously never listened to the calls, even though he said he did. He said that I told XXXX that I wanted to cancel the account and even though I hung up right at that point, they cancelled it. Keep in mind, this was the rep who never authenticate me account. I hung up on this lying supervisor and called back in, this time I got XXXX, a real supervisor. She was kind, thoughtful and offered to reactivate the card ... I think that she told me the XXXX rep closed my account and he most certainly never authenticated my account. XXXX advised that this issue would be referred to corporate for investigation and the she would call me back. I did n't let her reactivate my card, because it would run a credit check and hit my credit report and we are buying a new house, the rep that cancelled my 2nd oldest credit card, hurt my credit by doing so .... all I wanted was to view and pay my bill online and speak to a US based rep ... my card had been compromised by someone in the XXXX ... that 's why I wo n't give them my info.
Product: Payday loan, title loan, personal loan, or advance loan

I made extra PRINCIPAL only payments as well as regular month installment payments since XXXX ( see below ) they are charging well over {$6.00} each day on interest, i asked them to correct my account. 
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 please help with this issue!!!
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 Experian and 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These several fraudulent accounts and appearing on my consumer FICO credit report. I've attached a list of the accounts 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 as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

- XX/XX/2018 I got the 10-day XXXX  that turned into XXXX, which made it impossible to work for 30 days. Not knowing what to do during this time, I had received a check in the mail that you just go deposit, and it says it is a loan at 41 % interest. 
- I am an XXXX  XXXX, a XXXX XXXX XXXX, and I can not control sometimes when I get paid. I am the very last person to get paid in a transaction IF and WHEN it closes. And additional governing factors do not make it any easier. 
- This company would start calling me whenever a payment was late. The very first day past the due date. 2 and 3 times a day. I asked them to contact me after XXXX XXXX  however they never honored my requests and communications with them became literal harassment. Yet their office was never available after XXXX XXXX  to communicate. 
- They sent my account to an attorney and they served me with a civil warrant. 
- I have attempted to talk to the attorney 's office on 3 separate occasions. I asked them to negotiate the amount owed. They did not and told me to contact the company. 
- When I call the company, they will not negotiate on the amount owed. And even the attorney never attempted to negotiate the amount. 
- This company never provided me any terms of this loan in writing and they intentionally make HARD pulls on my credit every 3 months. Intentionally damaging my credit. I told them I did not give them permission to pull my credit. They said they had the right. This is absolutely crazy, so if I pay this off, can they still pull my credit like this. 
- They won't negotiate a lesser paid in full balance. Everyone negotiates. And so because I have an outstanding balance or because they say so because the terms were not provided to me, they just can do as much damage as they so choose. 
- Literally this company is malicious. A mortgage lender would do a soft pull as to not damage the person 's credit. They are intentionally trying to do continued damage. 
- They have even continued to make HARD pulls on my credit even after it has been sent to the attorney. Even though they say they are not allowed to talk to me. 
- Seriously someone needs to review what these small companies are doing to people.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

According to the FCRA section XXXX It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now
Product: Consumer Loan

My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My mortgage is paid off but it still listed as a balance of {$360000.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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: Credit reporting or other personal consumer reports

I lost my identity a while ago and when I learned about credit and pulled my report I noticed this account that is incorrect and I did not open the account. I would like the account to be removed and updated please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows . 
XXXX Date Generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to SLS Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO.XXXX Unfortunately. I never Got Credit from SLS Specialized Loan. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. 
I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to Rosevale This issue/ I need HELP. 
THANK YOU XXXX XXXX
Product: Debt collection

Subject : Dispute of Charge-Off and Lack of 1099-C Form Dear XXXX I hope this letter finds you well. I am writing to formally dispute the charge-off reported on my account with your institution, specifically account name US Bank . I have reviewed my records and have found no indication that I received a Form 1099-C ( Cancellation of Debt ) from your company, as required by the IRS when a debt is cancelled or forgiven.

Under IRS rules, a creditor is obligated to issue a 1099-C if the amount of the canceled debt exceeds {$600.00}. A charge-off alone is not sufficient to close an account without providing the proper tax documentation. The relevant IRS guidelines can be found in Internal Revenue Code ( IRC ) Section 6050P, which mandates that creditors must file a 1099-C form with the IRS and provide a copy to the debtor when canceling or discharging a debt.

I have not received this form, and I believe this may be an oversight or error on your part. As a result, I request that you : 1. Provide me with a copy of the 1099-C form for this account, if 2. Correct any inaccuracies or
discrepancies related to the charge-off reporting if the 1099-C was not issued in accordance with IRS regulations.

Please note that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and I expect a response within 30 days as required by law. 
I trust this matter will be resolved promptly. If you require any additional information or documentation, feel free to contact me at the address or phone number listed above. 
Thank you for your immediate attention to this matter.