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

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX 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 to be removed/updated. 

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. 

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!
Product: Vehicle loan or lease

In XXXX XXXX Capital On Auto finance applied the car payment to the wrong account then reported it to the Credit Bureau that it was late. In XXXX of XXXX the reversed the payment back to the correct auto loan. 
In XXXX they again put the loan payment in the wrong account. 
It is now XXXX of XXXX we have been trying to get this cleared up and get an accurate accounting. It has been reported 4 times for late payments to the Credit Bureaus since we noticed the error in XX/XX/XXXX. 
XX/XX/XXXX the vehicle XXXX XXXX was totalled. We are now withholding payment of the totalled vehicle from the insurance company until this has all been resolved and reported correctly. 
We are being held XXXX on financing another vehicle. 
We have contacted Capital One they have taken notes on the accounts but nothing has been done and we continue to get the runaround.
Product: Mortgage

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 690k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : XXXX is reporting 16 negative items, XXXX is reporting 11 negative items, and Equifax is reporting 9 negative items.
Product: Debt collection

I received a Dept Balance of XXXX from XXXX XXXX XXXX, XXXX. 

The Dept was charged by CAPITAL ONE BANK. 

The purchases were made outside of the state I live in & I have never had a Captial One Bank account. 

Please help resolve this issue. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with Experian. I let them know these accounts were not reporting accurately. According to the IRS when a account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in regards to the following charged off accounts listed below. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with the charge-off and I had to file the balance XXXX  XXXX {$3500.00}, XXXX BANK {$2000.00} and XXXX XXXX XXXX XXXX XXXX as income on my taxes. these accounts can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX part. Delete these accounts from my credit report immediately for inaccuracy! 
These accounts are charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian allowed to remain on my credit report. The accounts are not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Experian told me the the accounts remain with all the inaccuracies. Please delete these accounts effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ), ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate accounts from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 
All three credit bureaus have different dates and amounts for these charged off accounts.
Product: Credit reporting

I checked my credit history with Experian Credit Report XXXX XXXX, XXXX and found unknown to me account number XXXX opened with XXXX in XXXX XXXX. I never opened any account with XXXX, never applied for any credit line with them and not aware of any charges for any products or services from them. Also I never got any letters, emails or phone calls from XXXX.
Product: Debt collection

I was XXXX  in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was CMRE Financial and the current one is XXXX XXXX XXXX.
Product: Debt collection

In XX/XX/2019 I was diagnosed WITH XXXX XXXX AND was sent to the University XXXX XXXX XXXX for treatment. I spent a total of 50 days in the hospital. I have not worked since that period. XXXX pays my COBRA and meds ( most ). I was put on XXXX but haven't received a check after six months. I have contacted Bull City Finical and if you take note all billing is for the same date ( XX/XX/2019). I filled out the paperwork and submitted it to XXXX for aid if I owe them. It is pending. 

I have work hard to repair and rebuild my credit only to have it drop by 76 points..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XX/XX/XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX -Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX or Experian XXXX XXXX ], I am writing to dispute the following information that appears on my XXXX or Experian or XXXX XXXX report : I would like the following removed and or corrected on my credit report ASAP : Collection accounts to be removed as they are not correct and involved in litigation. 

XXXX XXXX XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX XXXX XXXX XXXX  This has been opened for a number of years and needs to be removed. 
XXXX. XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX. XXXX This has been opened for a number of years and needs to be removed XXXX. XXXX XXXX XXXX XXXX- I do not owe this due to a billing error on XXXX XXXX XXXX XXXX 



I want the following Hard Inquires removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick and tired of your bureaucratic methods of deleting an item that is in VIOLATION of the FCRA. Your investigation is taking longer than 60 days. YOU MUST DELETE XXXX/XXXX XXXX XXXX from my credit FORTHWITH. THE VIOLATION IS CLEAR. I am preparing a defamation lawsuit against EQUIFAX. Your auto reply XXXX  is a disaster and a disgrace to the American people. You violate the law and get away with it. This is my last communication before my lawsuit. DELETE THE ITEM. You are preventing me from getting a job to support my family. The media is going to hear about this in the mainstream.
Product: Money transfer, virtual currency, or money service

My account was suspended due to detection of multiple accounts.. I explained that the one they had on file ( XXXX ) was the one I wanted to keep and verified my info.. they never responded and my over {$100.00} doge coin deposit that was pending disappeared.
Product: Checking or savings account

An account was opened under my name in Wells Fargo. I have never opened an account with them and I received a statement letter from them with the account information. I called and they said it will take them 45 days to investigate and they were unable to explain/ close this fraud account immediately. Im incredibly upset with my fraud experience with Wells Fargo. The fraud claim made with them is : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Hunter Warfield XXXX, Florida XXXX Subject : Cease and Desist from Communication Dear Hunter Warfield, I am writing to formally request that you cease and desist all communication regarding the alleged debt associated with my account, account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. 

Please be advised that I am disputing the validity of this debt. Until you can provide me with verification of this debt, I request that you refrain from any further communication with me, including phone calls, letters, or any other forms of contact. 

If you do not comply with this request, I will not hesitate to report your actions to the appropriate regulatory authorities and may consider taking legal action.

Please consider this letter as my formal notice to halt all collection activities regarding this matter. I expect a written response confirming that you have ceased and desisted from the aforementioned actions within 14 business days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Self credit card takes XXXX days to respond to emails and close account. 

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter active duty. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX :
Product: Credit card or prepaid card

I had received an apr reduction for 6 months to 4.9 % the payment dates 1 XX/XX/XXXX 2 XX/XX/XXXX 3 XX/XX/XXXX XXXX The credit card company claimed my due date was at the XX/XX/XXXX or XX/XX/XXXXof the month even though I have a letter from them stating the XX/XX/XXXX of each month. They claimed that I made a late payment and raised my apr to 24.5 % I have tried to communicate with the company with no resolution and my apr interest has now been being charged at this increased rate for 10 years.
Product: Debt collection

Hello as of XX/XX/2020 ive been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple account of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed to file out a police report. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the alleged debt you are attempting to collect. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. 

Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. 

I expect a response within XXXX  days from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXX/XX/XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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
Product: Consumer Loan

Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.
Product: Money transfer, virtual currency, or money service

Around XX/XX/year> my cash app account was hacked. I called cash app told them that the people who hacked it obviously changed my phone number and email that was linked to my account. But I can provide my social and my birthday and all that they said they couldn't do anything. I asked them can u just close my account then so I can make ampther cashapp they told me no. well now when I try to make an account it tells me that I can't make one att all. But that's not fair if they knew my account t was hacked and this is why I asked them to close that account but they refused
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Consumer Loan

My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 3rd letter to the CRA 'S XXXX XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XXXX of XXXX and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerly XXXX XXXX
Product: Checking or savings account

My savings account at Citi Bank has been labeled inactive for 1.5 - 2 years. This account was made inactive because I did not have a withdrawal on the account for XXXX years, even though I deposited money in the account monthly ( because its a savings account... ). 

I first tried to resolve this aout 1.5 years ago, after talking to CITI, I was told to write a letter with my account info and asking for the account to be reactivated since there is no branch in my state. I complied with their resolution and they never received the letter. 

Attempt XXXX, I was told that a manager would personally contact me and I was never contacted. I resent another letter to the branch and once again the letter was not recieved. 

Attempt XXXX, I called and reverified the address and sent the letter priority mail with tracking. After the tracking said the letter was recieved I called a few days later. No letter was recieved again and the confirmed address they gave me last week is now the wrong address. The only fix for this is to countinously waste time and money on sending mail for them to never get it. Their system is broken and when you ask for a different way they will tell you their XXXX is busy and will call you later which then never happens.