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 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 XXXX  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 XXXX 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

Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX Report : 1. XXXX account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

Transunion Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 

1

5 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 card

I have XXXX Citi cards with the Thankyou rewards were merged together. After I closed my account, 1 ) I was not noticed the points will expired 2 ) I confirmed with the agent, with merged account, the points will not expire. 
Now I lost {$4000.00} value of points without notice.
Product: Credit reporting or other personal consumer reports

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was unable to grant access to their online system to manage the credit report. After confirming identity, all attempts to regain access to the system resulted in errors. During this process, I discovered that the report had inaccurate contact information in all fields, including a phone number that has never been associated with me, and an address that was seven years out of date.
Product: Checking or savings account

To whom it may concern, On XX/XX/2022 I noticed an unauthorized transaction in my Wells Fargo savings account # ... for {$11000.00}. I contacted the fraud department at Wells Fargo and reported this unauthorized transaction and was told to open a new account with new passwords and login credentials and close any existing accounts, which I immediately did. The fraud department representative helped me submit a claim in order to stop the still pending transaction from being completed. They gave me verbal assurance that the transaction would not go through since it was reported immediately. On XX/XX/2022 I logged into my account to find that the funds had been successfully withdrawn from my account, which prompted me to immediately contact the Wells Fargo fraud department once more. The representative wasn't helpful and told me to wait on the decision of the claim I submitted. After not hearing back on the end of the XXXX business day, I contacted them again on XX/XX/2022 to discover that a decision had yet to be made. I was told they needed additional time to come to a decision and to wait for a phone call. After failing to receive yet another phone call about my claim, I contacted Wells Fargo on XX/XX/2022 and was told that my claim was denied because they claim I authorized it, which is completely false. I have been very patient and professional with the fraud department at Wells Fargo and am fully confident that they came to the wrong decision. I made no such attempt to withdraw this money and am looking to have this decision corrected by reaching out to the Consumer Financial Protection Bureau. If there are any questions about this fraud incident, please feel free to contact me at any time. I am hopeful that the money will be rightfully returned to me after a further investigation into this incident. Thank you.
Product: Debt collection

I NOTICED THIS DEBT ON MY CREDIT FILE. I PROVIDED POLICE REPORTS, FTC AFFADAVIT NOTARIZED, AND ALL IDENTIFYING INFORMATION TO PROVE THAT DEBT IS NOT MINE AND EQUIFAX HAS REFUSED TO REMOVE OFF MY CREDIT FILE
Product: Checking or savings account

Good morning my name is XXXX XXXX XXXX on XXXX XXXX at XXXX I received a email from capital one stating that my account ending in XXXX was being closed without any explanation. When I checked my email later that day and seen them email I called them at XXXX XXXX. I asked several time why was my account closed. The first person said that an internal review was done on my account and capital one has decided to end out banking relationship. I explained to them how can they just close my account without explanation she further more couldnt give me a reason. I called back again at XXXX the next person told me I was a risk factor completely different from what the first person told me. I called again at XXXX I was told I had to call in the morning and ask for an investigator so they can relinquish my funds. I called back at XXXX I was told that there is no way to connect me to an investigator. So making the last person I talked to statement not true. Lastly I called at XXXX with no update or time frame of when I willl receive my money. Im a single parent of XXXX children my youngest is XXXX months. She needs XXXX XXXX XXXX food to survive. Capital one took all my money and are treating me like a criminal. I feel like Im being discriminated for being a women and a XXXX XXXX. They have access to all my information and decided well shes XXXX XXXX lets close her account because of I see no reason why it was closed from the start. All my large deposits come from my job that I have worked for XXXX years. Im distraught over this I need help getting my money back please help me.
Product: Mortgage

On XXXX, an escrow tax payment was sent to XXXX XXXX XXXX for my local XXXX XXXX taxes in the amount of {$1000.00}. However, this check was never cashed. I need Truist/XXXX  to issue a new check to pay for this supplemental tax bill. The check needs to be payable to " XXXX of XXXX ''. Since it is now delinquent, the amount due is {$1100.00}. I should not be responsible for these late fees since I have been trying to get this resolved for the past 2 months. 

XXXX has called previously to confirm if these taxes have been received. If you call again, please say that this is for XXXX AND XXXX DELINQUENT TAXES. THIS DOES NOT APPLY TO XXXX. The phone number for XXXX XXXX XXXX XXXX extension XXXX. 

The new check needs sent to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Date XX/XX/2020
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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This account was charged off on the following date XXXX, 2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history, This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Problem with Loan Depot. I mailed in a signed document for a program called Budget Tracker they keep saying they don't receive it when I have sent it twice now. Now I have to go to the post office and get a tracker on the mail for it. I just want you to know they are playing games like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from capital one saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

My wife and I were denied a personal loan because my wife, who has XXXX, could not sign loan documents even though I have Financial POA on her. Why is this not discrimination against the XXXX XXXX XXXX. XXXX XXXX  told me the same. This type bank policy forces some XXXXXXXX XXXX XXXX  to seek service from private loan companies who charge ridiculous interest rates that XXXX recipients can not afford.
Product: Debt collection

Portfolio Recovery is calling me non stop every day. Ive sent two siest and desists orders to them asking them to stop because I work 3rd and sleep in the day. Below are the number of calls this week. They have been calling me harassing me for months now. Even with two siest and desists notifications as well. 

XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XXXX  due to SCRA and lease cancellation.
Product: Credit reporting or other personal consumer reports

These late payments don't accurately reflect my consistent payment record. Please remove them and update my account promptly.
Product: Debt collection

XX/XX/year> {$1200.00} Credit Corp Solutions , Inc I have no knowledge of this account. I never received any letter or email about this. There is no information about the original owner of this debt. I found about this debt while checking my credit.
Product: Credit card or prepaid card

In XX/XX/XXXX at XXXX 2022 I received 3 text message from capitalone transaccion one by one .... that I did no mine. the first XXXX second for XXXX ant the thirt for XXXX something and was decline because the text ask for confirmation YES or NOT and I answere NO... but did not ask for the first 2 transaccion and going thru my account ... Inmediatly I call to Capital one to report the transaccions .... and They block the credit card ... and issue a new one ... .. they ask if I have the plastic card with me... and I said yes ... on my hands ... and I XXXX know how they used my Info into the place to make the fraud ..... The lady said the transaccion was reversed and a investigation start to define the situation. after 20 day in XX/XX/XXXX the investigation make a ajustment in my account and put again the two charges into my account and said that the transaction was made legal ... ... and the case was close .... I need you help because someone use my info to make fraud transaccion... I never use the credit card to purchase more the XXXX dolars... only for food or goodies for less money .... Im scare and sick how Capital One take decision without serius investigations ... and how the store accep creditcard without ask for personal Identifications ... case number XXXX was close and broke my right to defend in this... situacion Why the transaccion going thru without my permission? Why the text message only ask for the thirt and no for the first 2 transaccion ..... 
I report Inmediatly by call to the fraud department and they never give me a real solution .... 
Where are the secury from my credit card company..? 
I lost the trust from them and I feeling sik and my live has worse after this situation .....
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm reaching out to dispute an unauthorized credit inquiry listed on my report. Ive recently reviewed my credit file and noticed an inquiry that I did not authorize in any way. I never gave this company permission to pull my credit, and this inquiry is both unauthorized and fraudulent. This is a serious issue that I expect to be addressed immediately.
Product: Credit card or prepaid card

I was on a payment plan with American Express where we agreed they would draft {$160.00} on the XXXX of every month. In early XXXX, I paid the card in full. On XX/XX/2020, I received a letter from American Express stating that I have completed the payment plan. The letter specifically says " The scheduled payments set up as part of your participation in the Program have now ended. '' Also, the letter says I can chat on their website with questions. 

Today, XX/XX/2020, a payment was drafted for {$160.00}. I got on the website and tried to cancel autopay, but there is not an option. The website also says I am scheduled to be drafted again on XX/XX/2020 for {$160.00}, which I don't even owe. I chatted with a representative and asked them to please cancel this. They said it can only be cancelled by calling a special number. I explained to them I have issues with my cell phone and can not easily make calls, as well as a very busy work schedule that conflicts with the hours they are open. They said they can not help me and indicated that they will continue to draft the payment I do not owe unless I call a certain number. 

Considering I received a letter that says my scheduled payments have ended, this is highly deceptive and unfair. They are making it hard for me to cancel an auto payment when I don't even owe them money.