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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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 XXXX 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: Mortgage

You would have to get my whole account from XXXX XXXX XXXX and then SPServing! Actually my entire account from XXXX XXXX didnt transfer over my escrow payment for my taxes, nor did the pay my taxes.. SPS Did nothing then or ever!! Went into bankruptcy because of both of them!! In XX/XX/XXXX, XXXX XXXX even refused to give the Home Keeper program the information they requested to give a loan me a loan to payoff the arrears from being a XX/XX/XXXX loan Not because I was ever a day late on payment! I was in a very long modification process, like years, I was in XXXX XXXX 's executive office, Customer service supervisor XXXX  XXXX!! After an hour long argument he still refused to send it because he did have to!! After my modification the paperwork got sent in XX/XX/XXXX! They took my bankruptcy payments and put them all over the place, up your escrow ever opportunity they have because they are insane!! Say Im not making payments when I am!! They never fixed one think so obviously Im losing my home!! Thats what SPS DOES BEST AND YOU ALL KNOW IT!!!!!! I have 17 years of documents that they will Never produce under a subpoena because they can't! It's actually as simple a subpoena!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit Services fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED chase is reporting the account negatively even-though the payments are being made on time. 
Chase failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts opened without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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

It has come to my attention my personal information has been exposed in a national data breach. Reviewing, my credit reports, I notice some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, and a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Credit reporting or other personal consumer reports

Security Credit Services is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to Security Credit Services on XX/XX/16 and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. Security Credit Services adds the account back to every credit bureau. Ive provided this information by mail but Security Credit Services continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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, other than records of conviction 's 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date XXXX inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Alltran Financial has been harassing me with phone calls almost every day. I do not have any defaulted debt so Im not sure why they continue. I have bought a house, numerous vehicles, and received a HELOC. If I had outstanding debt, these things would not be possible. They are attempting to collect a debt that is not mine and I do not want to receive communications from them any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Product: Debt collection

I am writing to formally dispute the accuracy of several accounts listed on my credit report. My personal information, including my Social Security number, email address, and phone number, has been compromised in multiple data breaches over the years, leading to fraudulent accounts being opened in my name. I am requesting a thorough investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and immediate removal of these inaccurate entries from my credit report. 

Disputed Accounts : The following accounts are being disputed : Midland Credit Management Opened : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Opened in XXXX Should have been removed from my credit report due to the XXXX reporting period under the FCRA. 
XXXX XXXX XXXX Opened : XX/XX/XXXX This account was illegally placed onto my credit report by a landlord. 
These accounts do not belong to me, and I have previously disputed them multiple times without resolution. I am requesting their immediate removal from my credit report. 

Background of Data Breaches : XXXX XXXX Breach : XX/XX/XXXX : XXXX disclosed a breach that compromised sensitive personal information. 
XX/XX/XXXX : XXXX experienced one of the largest breaches in history, exposing Social Security numbers and other personal data. 
XXXX XXXX XXXX ( XXXX ) : My email address and associated personal details were exposed in a breach affecting millions of users. 
XXXX XXXX XXXX ( XXXX ) : Personal information, including contact details and email addresses, was leaked during this incident. 
XXXX and XXXX XXXX Breaches : My information was further compromised during breaches involving these agencies. 
Legal Basis for Dispute : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information in my credit report. Additionally : 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) obligates furnishers of information to report accurate data.
Product: Student loan

I changed banks and needed to switch the account my autopay was coming out of starting after my payment due on XX/XX/year>. My servicer would not let me just switch my banking information, I had to set up a whole new auto pay request and cancel my old auto pay, which I did and was provided with email confirmation that it was set up. On XX/XX/XXXX, my next due date for payment, my payment was not withdrawn from the account, so I called my servicer and asked if my payment went through, they told me it can take up to 1 billing cycle for auto pay to work and that it was showing on their system as active. I disputed the interest being charged as I was entitled to the BIP discount of .25 % for having autopay, and the representative I spoke to stated he would note my dispute and that my payment was scheduled to come out XX/XX/year>. On XX/XX/year>, I again noticed my payment did not come out, I again called into the servicer who informed me that I was not set up for autopay and that there was some sort of glitch in their system. I was escalated up to a supervisor who informed me that my previous dispute was on their file, but was never looked into and that I would get confirmation of a resolution regarding my not getting my interest deduction promptly and that now my autopay is properly set up and would be backdated to XX/XX/year>. I then received a letter dated XX/XX/year> stating that my autopay did not properly go through, but their processing team as activated auto pay effective XX/XX/year>. I then received a letter dated XX/XX/year> stating I can not have the BIP reduction because autopay was reactivated XX/XX/year>, in direct contradiction to their previous letter stating it had been activated as of XX/XX/year>. I called my servicer regarding this, and after 30 minutes of back and forth, they refused to locate the letter they sent me and said all they could do was further research the issue, even though I have called in 3 times regarding this very issue.
Product: Credit card

I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on XXXX XXXX, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of XXXX. Synchrony bank is can not suddenly say, " oh by the way, you owe us XXXX more dollars 6 months after dog died? Interestingly, there is a 6, month window of time bank is allowed to post amounts due to the card and XX/XX/XXXX was 6 months. I have spoken in depth to the vet hospital and they have said Care Credit / Synchrony Bank is difficult to work with and there are problems with them. Care Credit / Synchrony Bank is suspect in their very poor handling of this account. They should not suddenly, 6 months after a death, decided the customer owes more money, it is irresponsible and causing great hardship on our family.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im nervous about identity fraud happening to me. Lots of addresses on my report that Ive never lived at or been associated with.
Product: Debt collection

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX 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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$60.00}
Product: Checking or savings account

I deposited a US Treasury check on XX/XX/year> in the amount of {$4500.00}. SoFi stated there an issue with the endorsement which there wasnt. Check was re-deposited on XX/XX/year>. Only {$2000.00} was made available on XX/XX/year> and the balance is on hold until XX/XX/year>. Full amount, per regulations for US Treasury and other government checks states that the deposit amount should be available one business day following the date of deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, XXXX, Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

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

According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.
Product: Credit reporting or other personal consumer reports

I sent a letter to Chexsystem in reference to opt out of sharing my personal information to creditors or financial institutions. I have to right to opt out as a consumer. Chexsystem has violated 15 USC 6802 Disclosure of Personal information.Due to data breach I have been a victim of identity fraud and I have been harass by different banks and debt collectors for debt I have no knowledge about and Chexsystem are making my life a living XXXX, I can't sleep even at night I get flooded with harassing calls and text messages.
Product: Credit card or prepaid card

This is regarding my bank of america credit card. The payment was set to auto pay ... the selected payment option was as follows : You're automatically sending payments for your bank of america personal card e-bill Deliver by : on the due date Pay : statement balance Limit : {$300.00} The bill was not paid. I am told that the above setting is that the bill should ONLY be paid if the statement balance is less than {$300.00}. My interpretation is that this would be autopayed up to {$300.00} of the statement balance. 

This needs to be clarified as it seems to be a system for generating fees for Bank of America and headaches for consumers. 

Further, if you adjust the auto bill pay, they apparently do not implement the changes for a period of time determined by them and not shared with the consumer. 

Every other bank I deal with is fully transparent as to what will be paid and by when. 

I view the above as deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.