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

I am writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

* XXXX ( Account Number : XXXX ) * XXXX XXXX XXXX XXXX ( Account Number : XXXX ) * XXXXXXXX XXXX  XXXX XXXX ( Account Number : XXXX ) This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates USC Code 1681eb. The impact of this error on my reputation, character, mode of living, and my family has been severe. 

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically 15 USC 1666b, which sets standards and guidance for treating payments as late. According to 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 and XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX failed to send the periodic statement along with the disclosures from section 1637 ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2019, XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2019, GM FINANCIAL Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card or prepaid card

I was sold on the offer of 0 % apr promo, and never received any emails or mail statements. Right after I was diagnosed with XXXX and was hospitalized for most of the time, After 3 months when I called the credit card company to find my status. I realized that I have not been making payments, since I was under the impression that I was on autopay as with all my cards the minimum would be automatically deducted from my account and Id be able yo utilized the promo. With out paying any interest. But not only the charged interest each month, they also reported me as a late payment to credit bureaus, tarnishing my credit for the first time in my life and at a time that could really hurt me financially since I needed to refinance my mortgage. After many aggravating phone calls with the managers they refuse to do anything to remedy the situation or reverse the fees and interest charges that were applied which should have never been applied since I was sold on the idea of zero APR. 
At the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnishedat the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnish credit report. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and Advertizing all their clients to sign up with them. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and advertising all their clients to sign up with themAt the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried. At the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried
Product: Debt collection

I paid my debt but the company Cach LLC refused to update the information on the credit report stating they have no record of being paid. They garnished my wages but still stated monthly that I missed payments causing my score to plummet.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem is specifically with Equifax a reported account with a balance of {$10.00}, XXXX of XXXX that account was disputed at the time and does not belong to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Credit acceptance is working with me so far in regards to monthly payments during this covid pandemic, severe crisis. I'm concerned about the major interest and added of thousands of dollars on my loan. My XXXX  XXXX XXXX, 14 year old vehicle, with over XXXX miles, was agreed on at slightly over {$13000.00} at XXXX XXXX XXXX in XXXX XXXX FL. This is a used car dealership only. After looking over my terms after the deal was struck. My loan is now over {$22000.00}, thats a {$9000.00} in interest. Submitted refinancing request, not sure if it was received or reviewed. Not sure, but I feel that I'm over paying A LOT, for an old vehicle. Yet I will say Credit Acceptance had been working with my payments due to covid pandemic and I appreciate that, and thank you.
Product: Debt collection

1. Please provide all applicable regulatory and licensing requirements to operate as a collection agency in North Carolina.

2. You have a duty to impartial, fair, and reasonable in your efforts to verify information. Please provide all evidence of " reasonable procedures '' that you used to determine the conclusion that this information is verified.

- Who did you speak to?

-When did you talk to them?

-Name of the person -Telephone number dialed -Emails Sent with email address 3. Please provide information on your company permit number. You are required by North Carolina General Statute 58 Article 70-25 to have presented on all letters sent to debtors your permit number.

4. Please show in the previous correspondence you included in your reply that you have included your permit information as a state requirement.

5. Send agreement between you and XXXX company to collect on this debt.
Product: Mortgage

Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX . I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX Account # : XXXX XXXX  Account # XXXX XXXX XXXX  XXXX  XXXX  ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XXXX XXXX XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

I had vehicle insurance through XXXX XXXX XXXX. As a Michigan resident, I was able to opt out of the additional XXXX XXXX XXXX because I have Medicare & private health insurance. I did find the form that I filled out just before the 6 month time period to renew opting out and I mailed it to the local agent in town. I didnt think that I filled it out because my sister was dying, then I found my tablet that I wrote it in that I had mailed it. I later found tout that it is a tactic of this company to say that they dont receive them so that they can charge exorbitant fees. Two of the vehicles on the policy shouldve been in storage, only one was. One vehicle they raised the price for insurance 145 % and another one was 158 %! The agent also wrote a separate policy for XXXX XXXX for recreational vehicles, when I wanted to pay up front for the 3 of them he said, you dont have to, theyll take the payment out electronically every month. He lied, they put them on 3 separate policies and charged a separate {$5.00} fee for each one, not to mention he told me that I didnt have to put any of them in storage because thats the price you pay all year long! Again he lied, for what I paid for one year, I couldve covered them for almost 3 years! A manager at XXXX XXXX told me that they can take whatever amount they want out of my checking account and I told them I revoked my permission, so I had to have my debit card cancelled and reissued to prevent them from carrying out their threat. I paid what I owed, now they said I owe them an additional {$530.00}. I told them it was paid in full and I dont owe anything more. I asked for an itemized statement several times and they refuse to send one. All they sent were separate envelopes with different amounts, thats it,? it was not what I requested on several occasions. Now they turned it over to a collection company and they said they will ruin my credit if I dont pay it! I am a XXXX widow who lost my husband in a tragic accident and I live on a fixed income, I wont let them try to extort money from me illegally! The collection agency is TSI Transworld in XXXX, DE.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 

Additionally, I have identified that a XXXX XXXX bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : *XXXX XXXX Bankruptcy Reference XXXX, Date Filed XX/XX/year> *XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed from my credit report.
Product: Debt collection

This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exprian has nort sent me a full report with score information missing few pages no score the typical run around
Product: Credit card or prepaid card

I am refiling complaint # : XXXX, originally filed on XX/XX/2020, as my complaint was not addressed or resolved by the response provided by US Bank Reliacard. 

My desired outcome : US Bank Reliacard communicates to me an exact date that I can withdraw the balance of my account. I am fully aware that US Bank Reliacard has daily withdrawal limits. I want to receive 3 EXACT dates that I can go to the bank to complete the maximum daily withdrawal to bring the account to a XXXX balance. 

As noted in prior complaint # XXXX, I have made many attempts with US Bank Reliacard to resolve/withdraw the balance of my account. 

As you can see in prior complaint # XXXX, US Bank Reliacard has given me dates to withdraw the account balance several times, and when I get to the bank, the transaction does not go through as promised by US Bank Reliacard.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
Product: Checking or savings account

Transaction in my credit karma checking account for {$1100.00} in XXXX. I love in Ohio. Someone havked my account at the same time and changed my email, phone number, and password. Then an international fee was added to my account. They took all my money out of my account. Credit karma closed my account without my knowledge or consent or any information as to why. I had {$86.00} in mt savings account at that time. Then they said the transaction was authorized thereforw i will not get my money back. Now credit karma keeps hanging up on me when i call and no one has any answers for me. Its the only money i have, why are they doing this to me
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00}.