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

My account with this XXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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

GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

these account not is mine, i have only one account with self is open. i need removed this accoun from my credit report.
Product: Checking or savings account

XX/XX/2024 they withdrew XXXX out my account.. They breached the contact and asking for more money to move my stuff I requested for my deposit back came XX/XX/2024 they sent a receipt statement for my refund. 
I have proof that I was informed that refunds were being processed. However, I never received the funds. The company initiated a refund but then charged my bank card again without my authorization. When I contacted the bank, the funds were never received. Please see my bank statements. This is credit fraud and unauthorized charges from my banking account
Product: Credit reporting or other personal consumer reports

I sent XXXX letters from XX/XX/XXXX to XX/XX/XXXX to each credit agency asking to remove these negative items from my report and to correct the incorrect info and provide or provide proof that its mines from company they have failed to investigate properly Im a victim of identity theft and I have been through hardship due to this has impacted my life and my children lives my housing and finance I need all of these negative items removed off my credit report Immediately
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX XXXX, Equifax and XXXX regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information in regards to the Target account that remains on my credit report. XXXX is not being held responsible and there is evidence they have refused to do proper investigations. I'm entitled to $ {$1000.00} per inaccurate information they continue to report and refuse to delete. The Law must be enforced and I'm entitled to a minimum of {$10000.00} and don't allow them to submit another computer generated stall tactic. An account must be deleted 7 years after the first mist payment which was XX/XX/year> and should have been deleted in XX/XX/year>. Per the FCRA Target can't continue to update a closed account that continues to damage a credit score. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I wan them deleted off my credit report. I've disputed this information with the credit bureaus and they are refusing. This is a cease and desist. According to 15 USC 16 96 G I'm entitled to validation as the keep stating I have an account with their company as I have never never done any business with this company. I would also like to see my signature on this account guaranteeing I would pay this creditor. They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. They are stating this is a charge off in which I should have received a 1099 and reported to the IRS.
Product: Credit reporting or other personal consumer reports

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.
Product: Mortgage

After my dad died In XXXX, my mom purchased a piece of land in the state of Arizona.She completely paid for the land with cash. She later purchased a mobile home in the amount of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that she finance through household bank and had the mobile home placed on the land. My mom passed away in XXXX and I continue to make payments.on the mobile home thru XXXX XXXX. Approximately one  month after my mom passed.I received a letter from faye mortgage stating that they now owned the loan. After making payments For more than a year the payments increased due to faymortgage placing insurance on the property. Although I had informed XXXX XXXX  that I had already purchased insurance. For the mobile home. After Not being able to afford payments any longer.Fay mortgage initiated foreclose sale under mobile home. I contacted XXXX via phone and letter askING to modify loan. Fay mortgage did not respond to this request and the property was sold in a foreclosure sale in XXXX XXXX.In which XXXX  purchase the property. It was. 
Later learned that the mobile home loan had been satisfied. Fay mortgage sold the land in foreclosure sale ffor the amount of {$35000.00}.? ? .even though they did not hold a security intetest in the land. I have attempted to contact XXXX  regarding this issue but they are now refusing to speak with me at all.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violations of 15 USC Chapter 41 and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their continuous violations of the Fair Credit Reporting Act ( FCRA ), as outlined under Title 15 USC, Chapter XXXX. XXXX has reported incorrect and inaccurate information on my credit report, which has caused significant harm to my financial stability and infringed on my consumer rights. 

1. Violations of 15 USC Chapter 41 XXXX has failed to comply with several key provisions of the FCRA, including but not limited to : 15 USC 1681e ( b ) - Ensuring Maximum Possible Accuracy : Credit reporting agencies are required to maintain accurate and up-to-date information on consumer reports. My report contains errors and misleading information that have not been corrected, despite my previous disputes.

15 USC 1681i - Failure to Investigate Disputes : XXXX is obligated to conduct a proper investigation of disputed information. I have submitted disputes regarding inaccuracies, yet XXXX has not adequately investigated or corrected these errors. 
15 USC 1681s-2 - Responsibility of Furnishers : XXXX has failed to ensure that information furnished by creditors is accurate and has not appropriately notified these furnishers of disputes.

2. Harm Caused by Inaccurate Information The incorrect reporting on my consumer report has had a severe impact on my credit score and has adversely affected my ability to obtain credit, secure favorable interest rates, and pursue financial opportunities. This has resulted in financial and emotional distress, violating my rights as a consumer. 

XXXX. Specific Inaccuracies Reported Example : Account Number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : The account is incorrectly reported as a Charge-off with an unpaid balance of {$420.00}. Despite my evidence and multiple disputes, XXXX has failed to correct or delete this inaccurate information. 
Requested Actions by CFPB Conduct a Comprehensive Investigation : Investigate XXXX 's practices concerning the handling of consumer disputes and the maintenance of accurate credit reporting. 
Hold XXXX Accountable : Impose necessary penalties and require XXXX to comply with the FCRA, including correcting or removing the inaccurate information. 
Mandate Consumer Relief : Ensure that XXXX provides an updated credit report reflecting accurate and fair information, and offer remedies for the harm caused. 
Supporting Documentation I have attached copies of my credit report, dispute letters, and additional evidence to support my claims. 

I urge the Consumer Financial Protection Bureau to take immediate action to protect my rights and hold XXXX accountable for these serious violations. Thank you for your attention and assistance in addressing this matter.
Product: Credit card or prepaid card

back in may I experienced financial difficulties due to covid 19. I reached out to Capital one and they deferred two payments and told me I would not have to pay again until XXXX. But ever since XXXX i have received threatening calls, emails and when I look online it says my payment is missed etc. I was told and it is documented that late fees would be removed there would not be a past due or due amount for XXXX, XXXX, and that I would have a minimum due again in XXXX. But the website says something different. I reached out to customer support and they were not of any help. I don't need this to reflect or impact me negatively.
Product: Vehicle loan or lease

I DONT HAVE ACCOUNT WHEN I PURCHASE MY VEHICLE THE CAR SALEMAN DIDNT TELL ME HE WAS RUNNING MY CREDIT TO SEVERAL AUTO LOAN FINANCE COMPANY THAT WHY I HAVE TRIED ON SEVERAL OCCASION TO RESOLVE THIS MATTER NO LUCK
Product: Mortgage

in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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

I have inquiries on my credit report that I am unaware of and would like them to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws.
Product: Debt collection

They make a daily or twice robocalls to my home number and they used different numbers to call, I'm sick and tired of receiving their calls, the company is called HHRG XXXX XXXX XXXX
Product: Mortgage

I took a forbearance with Navy Federal Credit Union Mortgage ( Navy Federal ) for about six months when I was offered the option during COVID. At the time, I completed all the necessary paperwork for the forbearance and was given instructions that I could not sell nor refinance my home without it being paid in full. It was my understanding that I would not be penalized for the forbearance and that it would be tacked on to the end of the loan. 
I was also told numerous times by a Navy Federal representative that I would not be penalized for the forbearance because my account had been in good standing and was always paid on time. Three months after the forbearance, I noticed when going to my account on-line that the total amount due included three months of the forbearance amount. The Navy Federal website indicated that I owed XXXX  XXXX  dollars and it was reported as such to the credit reporting agencies. When I contacted Navy Federal about this issue, it was corrected. I was told that it was a glitch in the system.

I resumed my normal payment about four months ago and began paying on time with no problems. Suddenly, I went to make the XX/XX/2021 payment and the Navy Federal website had me owing XXXX XXXX dollars. The website stated that the total amount of the forbearance was due when I opted to have it applied to the end of the loan. In addition, my credit score went down by 30 points due to what had been reported by Navy Federal to XXXX. The reporting agency stated it was Navy Federal mortgage that had it reported it. It appeared when looking at the credit agency report that I had taken out some type of additional loan for the forbearance amount like refinancing.

It was untrue from Navy Federal that I would not be penalized for the forbearance. I was punished for taking the forbearance with my credit score being lowered. In addition, when I contacted Navy Federal on XX/XX/2021 about this issue, I was told that I signed a partial claim. Please note that I was passed from person to person and on the telephone and spent more than an hour trying to resolve my concern. It should also be noted that I had no understanding of what a partial claim meant and believed that I needed to be signed the document to have the forbearance amount added to the end of the loan. The forbearance process by Navy Federal was misleading and I certainly had no idea that my credit score would be impacted by lowering it 30 points. Finally, I spoke with Mr. XXXX XXXX of Navy Federal, and he explained what transpired. Yes, COVID had an impact on everything including me and I was very disappointed in how Navy Federal reported my mortgage to the credit bureaus. Navy Federal blamed it on XXXX, but the credit bureau stated they reported it. Navy Federal misrepresented to me what would transpire with the forbearance at the onset. If I had known that I would have been impacted with a lower credit score of 30 points, then I would have tried to get an extra job during COVID to pay the mortgage. So, I feel misled by Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days  late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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 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 Any other adverse item of information, other than records of convictions 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 card or prepaid card

Event occurred today, XX/XX/2019 at about XXXX. My wife and I were sitting in our home with representative of flooring company ( XXXX ) completing credit application. I received an email from Well Fargo Bank of a Credit Card Agreement. The agreement did not include my name but noted it was a Terms of Agreement. I had not signed any agreement nor applied for credit card from Wells Fargo. A few moments later I received a call from a WF agent stating I needed to provide personal information ( DOB, last four of SSN ). I refused to provide information and was told I would need to call WF later if I wanted  to proceed. 
The XXXX representative, along with my wife, listened to the exchange ( via speaker phone ) and looked surprised and stated, I dont know why they are calling you - we havent completed application. When I refused to provide requested information the WF agent quickly hung up.
Product: Debt collection

I am not liable for this debt with Huntington Bank {$1700.00} Account Number XXXX. They did not provide me with the original contract with my signature and ID verification According to 15 USC 1681 stats a consumer credit report It is illegal for a collection agency to report negative items on my credit report and promotes accuracy, fairness and the privacy of personal information assembled by ( CRAs ) Credit Reporting Agencies, I did not give written permission to have those accounts furnished on my credit report. Please removed off all 3 credit bureaus.
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX posed as the attorney of XXXX XXXXXXXX XXXX XXXX XXXX MACYS who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).