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

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

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

I demand the late payment reported in XX/XX/year> 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 XXXXXXXX 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: Debt collection

I am filing this complaint against Oxygen XL for their unfair and deceptive debt collection practices. They are attempting to collect a debt of {$2700.00} that they claim I owe to XXXX XXXX XXXX. However, I have never done business with XXXX XXXX XXXX and have no knowledge of this alleged debt. 

In an effort to verify this debt, I have sent multiple certified letters to Oxygen XL, requesting : Documentation proving they are authorized to collect this debt on behalf of XXXX XXXX XXXX. 
A signed agreement that allegedly obligates me to pay this debt. 
A complete payment history validating the accuracy of the amount they claim I owe. 

Despite receiving my letters ( as evidenced by the attached XXXX tracking numbers confirming delivery ), Oxygen XL has failed to provide any of the requested documentation. Instead, they continue their harassing collection efforts in what appears to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

It is clear that Oxygen XL purchased this debt for pennies on the dollar and is now attempting to collect without proper verification, which is deceptive and unlawful. Their refusal to validate the debt while continuing collection attempts constitutes harassment and an unfair practice. 

I request that the CFPB investigate Oxygen XLs actions and hold them accountable for violating consumer protection laws. I also ask that they cease all collection attempts and remove any related reporting from my credit file if applicable. 

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

this is XXXX XXXX. i want a buy new home loan officer said i have problem is in crdeit report score and still shown filed on XX/XX/2008 bankruptcy record. 
but I knew that the 7yrs showing the record my case is already passed 9yrs still in there.

my loan interest rate is going up to 0.25 % also, i have 1 point more than others. 

Please removed my record for bankruptcy let me know why still there?? 

and If you anyone can do removed for me. 

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

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. RESIDENT VERIFY Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

This is regarding Bank of America 's Alaska Mileage Plan Credit Card. 

I paid my Annual fee of $ XXXX on XX/XX/XXXX. I received a notice dated XX/XX/XXXX that the annual fee would be increasing to $ XXXX on my next account anniversary ( XX/XX/XXXX ). The notice stated that if I did not consent to the increase I needed to call XXXX before XX/XX/XXXX. When I contacted them on or around XX/XX/XXXX the automated service said the account would be closed, which it was on or around XX/XX/XXXX when the account balance payment posted. Since I had just paid the annual fee one month prior I felt I deserved a refund of the $ XXXX fee since I no longer has access to the account services. 

When I contacted Bank of America they told me they could not credit me the the Annual Fee because charges had posted to my account in XXXX after I paid the annual fee in XXXX, but before I receive the fee increase notice in XXXX. I feel this practice was unfair and somewhat predatory. I paid a fee for services that I was unable to use because I followed the procedures they set. I do not understand why I had to agree to a service charge increase 11 months before my anniversary date and by doing so lost access to the account services I had paid for. 

This may not be a large sum of money individually, but other people must have been subject to the same practice which seems like a way for BofA to collect large sums of money without providing any service.
Product: Credit reporting or other personal consumer reports

34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/XXXX  in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XX/XX/, which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., XXXX. XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

XXXX XXXX XXXX XXXX
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 {$1100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit card or prepaid card

Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % interest.
Product: Credit card

My Venmo credit card was hacked into. Someone was able to change my address and request a new card. They then racked up 3 charges totaling {$12000.00}. As soon as I realized this I contacted the credit card company and went through the process of changing my address to the correct one. 5 days later the address was changed again to a completely different address. Synchrony bank has been unable to tell me how someone is able to change my address. Even after {$12000.00} was charged i do not understand how someone was easily able to change my address once more. Today I found out that a 2nd credit card the XXXX credit card XXXXhrough Synchrony bank was also affected. The address was also changed. I have spent days dealing with this and they can not explain how this is happening.
Product: Checking or savings account

I have had log money in my account and they over charge me and took my money and I just said not banking with them no more that dont make no sense
Product: Debt collection

I checked my XXXX  report XX/XX/2020 I seen a collection for XXXX  XXXX  for a XXXX XXXX account for {$340.00} I disputed the account but they said they verified it Ive never did any business with either one of these companies
Product: Credit reporting

I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.
Product: Mortgage

When I contacted PHH my payments were up to date, however I explained that I would have difficulty paying the mortgage due to my wife losing her job due to XXXX  problems. 

PHH said they could give me three months to solve our financial problem thanks to our good credit. They did not explain to me that at the end of the period of time we would have to pay the total accumulated debt. 

We explained to PHH that it would be impossible for us to pay the accumulated debt and we requested payment alternatives. Meanwhile, my wife was able to start working again and we restarted payments. 

PHH requested several documents and each time PHH was contacted they provided us with a different explanation than the previous one, requesting the same documents again as if we had never sent them. This happened four times in which we resent what was requested. 

We feel mocked. I have called them countless times to try to find out our situation and receive a clear answer as to our next step. Whoever answers our calls can never explain what situation we are in or what the next step is. 

The PHH representative assigned to our case has never contacted us or responded to our messages. PHH has been the worst nightmare we have ever experienced. Their psychological abuse and lack of professionalism correspond to a XXXX XXXX institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$98000.00}. Please delete this account ASAP.
Product: Mortgage

I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home. 
Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.
Product: Credit card or prepaid card

I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.
Product: Credit reporting or other personal consumer reports

iN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ___________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX _____________________ PENTAGON FCUXXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.