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

My account with XXXX  XXXX, XXXX, AND 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 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, AND 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 reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information. I have tried to solve the issue with lexis nexis and they only updated the information and did not provide their method of verification.
Product: Credit card or prepaid card

My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to XXXX XXXX to close my account permanently. XXXX XXXX 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with XXXX XXXX, XXXX and Synchrony Bank have said they have no record of the check. However my bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and have not been investigated properly using XXXX XXXX compliance and according to the FCRA standardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only XXXX days how is that possible if you are following the laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - {$4600.00} Caine Weiner XXXX XXXX XXXX XXXX {$1.00} Caine Weiner XXXX XXXX XXXX XXXX {$1.00} Caine Weiner XXXX XXXX XXXX XXXX {$1.00} Companies have been contacted validation of unknown debt has been asked for no documents has been provided.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Capital One between XX/XX/2021 and XX/XX/2021 ( First statement dates ). Consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash however, Capital One has coerced me into paying cash in addition to the finance charge. Finance charge is all suppose o include additional fees and interest which Capital One is charging seperately.
Product: Debt collection

There is a collection company called Credit Control LLC that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called XXXX XXXX XXXX. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX  XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  Balance : {$770.00} XXXX XXXX Status : Account charged off, {$3600.00} written off XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX  Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX  Balance : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2009 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXcredit Information missing from credit report. To remove all hard inquiries with three credit bureaus as deceptive and unauthorized.
Product: Credit reporting or other personal consumer reports

Ive had two student loan, but yes are on time but have been on my report well over 10 years and Ive tried multiple times with the company and credit disputing companies to have both of these loans removed completely from my credit as the 10 year mark legally they are not allowed to continue to keep this on a credit report and as my last resort, Im filing this complaint so both of these student loan can be removed from my credit completely
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXX - XXXX accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Checking or savings account

Yes I have call the bank every since XXXX trying to resolve this issue but no will listening to what I am saying and it because of the large amount of money that was putting to my checking account. I have talked XXXX XXXX and he told that I will not get my money back the bank is waiting for someone else to claim the money. it all started when Mr. XXXX who owed me some money and he put the money into my XXXX account. I found out from Mr. XXXX XXXX who is the XXXX   fraud department manger that money was stolen from someone else I don't know how it was done. But I call SunTrust and asked them to please returned the money back to XXXX the total amount was XXXX and it postal on the bank statement showing that it take out in two payment of {$2000.00} each. But Just because he XXXX asked for that money back SunTrust decide that all the money that was in my account was Fraud which no true. I send SunTrust my balance statement show the transaction. I received a wire into my account from XXXX XXXX XXXX in the amount of XXXX and XX/XX/XXXX plus XXXX income XXXX  wire transfer on XX/XX/XXXX. My husband brought XXXX from XXXX XXXX  we deposit it on XX/XX/XXXX in SunTrust Joint Account. I transfer XXXX to my saving account on the XX/XX/XXXX from the joint account. XXXX was take from the joint account out the XXXX to pay XXXX bill and On the XX/XX/XXXX XXXX XXXX. XXXX send me XXXX and with other money in the account it was a total of XXXX That SunTrust is holding and my Saving account has a total of the XXXX and some money is Church tithes Money and I don't know why they are still holding all my money I give them document prove that money is legal can you please help me. If you know on the bank statement that money that was come into the account was wire into the by individual in side the bank and if you look at the bank you will notice I did a electronic transfer from XXXX to my SunTrust. That is only things that needs to be returned.
Product: Debt collection

Hello, One day I check my credit report and notice I had two medical bills in collections. So, I call them and see if I can give my insurance information to them, but they said that my medical denied paying them because they were not reported with in the year XXXX give to report a claim and that I would have to be on a payment plan and that it's my reasonable to pay them back. So, I called my insurance to see what I can do to handle this because I'm on a low-income medical plan thru XXXX and that I don't have the money to pay them back. My insurance said it was against the law to ask me to set up a payment plan because of the plan I'm on. Also, that should not be receiving any medical bills, so they gave me your number to contact you to help me handle this and get it out of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Credit reporting

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP
Product: Student loan

Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXXXXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> 2024
Product: Debt collection

Capital Accounts never contacted me whatsoever about this debt they think I owe and then began to assess fees on the debt which has dramatically negatively impacted my credit score. 

My credit report ( that I had to pull to even discover this company 's actions against me ) shows the date opened as XX/XX/XXXX but that the debt was first reported XX/XX/XXXX with a {$490.00} balance. They began to assess fees against the debt in XX/XX/XXXX and have continued to report that to the credit agencies. 

I received no notice of my rights to dispute the debt from their company. I received no notice of anything from this company. I had to undertake sending a dispute letter to them after discovering the nearly 70 point drop in my credit score. 

Absolutely ridiculously unprofessional and likely illegal behavior.
Product: Credit card

I have reported to First National Bank of Omaha that I havent received my online statements since XXXX. I rely on email delivery as Ive opted out of paper statements and this is how I know when I have a payment due. Ive checked SPAM and all folders and Ive not received my statements.
Product: Debt collection

pay pal. is trying to confuse the matter by using a different company name. They think they're confusing me when they get a company like XXXX to make calls of harassment. about alone when they associate with this company, the company call use profane language They're threatening tactics or talking about coming to my house and do harm. associated with pay pal under the guise of XXXX some other names for this company, that associate with pay pal is as follows. 1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX. The phone numbers to to include the following numbers. : XXXX, XXXX, XXXX aand 2 work from home XXXX phone numbers XXXX and XXXX the last 2 pretended not to speak XXXX. They sent this call after I paid on the debt, I owed them.
Product: Checking or savings account

I 'm trying to sign up for a company called XXXX. My error Message is td bank is blocking you from enabling external applications
Product: Credit reporting or other personal consumer reports

Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile XXXX XXXX  : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXXXXXX XXXX XXXX This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.
Product: Mortgage

HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.
Product: Mortgage

Quicken Loans took 8m to close out my mortgage re-fi bc the Feds dropped the interests rates during the pandemic and everyone was re-fi-ing. Their loan originator, XXXX XXXX XXXX, pulled my credit 6 times from XX/XX/2020 to XX/XX/2020 with the 7th one coming from Quicken Loans in XXXX. I was told it would not have an affect on my credit but all remain on my credit report and 4 of my 5 credit inquiries in the last 2 years are from them.