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

My account with these company 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 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 or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to fun my credit & want these inquiries to be deleted immediately! This is fraudulent
Product: Debt collection

XXXX XXXX with XXXXXXXX - Case XXXX is representing XXXX XXXX XXXX XXXX XXXX. I moved out due to military orders leading up to my XXXX. I notified the company prior to moving out, they accepted then when I left charged me additional fees. The account is now with a XXXX XXXX- and I've resent her the proof. I've asked them to utilize the deposit and zero out the balance however I do not owe any fees. I met all demands moving out. I have sent my military orders and all, I've disputed and proved this over and over and they won't remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with XXXX XXXX XXXX in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that XXXX was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted XXXX and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that XXXX SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. XXXX XXXX XXXX illegally sold my mortgage 6 months after they were paid.
Product: Credit card

On XX/XX/XXXX, I noticed a fraudulent charge on my Citibank XXXX credit card attributed to a purchase from XXXX ( XXXX CA ) for {$600.00}. Immediately recognizing this as unauthorized, I promptly contacted your customer service to report the issue and filed a fraud claim on XX/XX/XXXX. Regrettably, the claim was denied so I called the customer service to enquire about this. They acknowledged that the order was fraudulently placed and advised me to reopen the claim for disputing the purchase. Following Citibank 's guidance, I subsequently reopened the claim on XX/XX/XXXX. Merchant ( XXXX ) was contacted on XX/XX/XXXX. Merchant Responded on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied and the customer was responsible for the purchase. 

Citibank reached out to XXXX to gather information about the purchase, and XXXX provided information showing that the order had been fulfilled and supplied details regarding the purchase. Citibank subsequently forwarded me ( XXXX ) containing the information provided by XXXX regarding the order. Upon reviewing page XXXX, it's evident that the order was made using my name, billing address, and shipping address. However, on page XXXX, it becomes apparent that the order was shipped to and received at an unfamiliar address : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX, which does not correspond to mine. This discrepancy strongly suggests fraudulent activity, as I neither initiated the order nor received any items. Despite the clear evidence provided by XXXX indicating a fraudulent order, Citibank still rejected my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, XXXX and Equifax. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with Target card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Product: Mortgage

I did a FHA loan with City Wide Home Loans in XX/XX/2018. The purchase price was XXXX at a rate of 4.875 and XXXX in costs and they had me bring in {$1300.00} to close. My loan amount was XXXX I have been making my payments and am in the process of refinancing when the new lender calls me to tell me there is a second mortgage on my loan. I dont recieve any statements or make any payments on a second loan. come to find out City Wide did a second loan for 3.5 % of my purchase price, {$7000.00} and liened my home. I don't ever receive any documents about this and now im told the 3.5 % on an FHA loan was only suppose to come from me not a loan, this is against the FHA loan rules. I now have a second on my home I didnt ever know about. Please help.
Product: Credit card

I signed up for Square merchant processing and linked my bank info and completed my setup. After I charged my customer for service, the merchant processing Square, closed my account and stated they they are going to keep my funds {$300.00} of my earned money for 90 days without any reason. I tried to call them to get my money and they refuse to give it back. Please help this company is ripping people off and holding their earnings after they signed up with them and attempted to process payments. Square, without good reason closed my account and held my funds telling me that they will release it in 90 days. I would not use Square XXXX XXXX again. They are scam!
Product: Mortgage

They refuse payment and under such hardship circumstances they refuse forbearance option, Overcharged and fees and charges and change the payment amount and even though overpaid almost 3 years and asked for it to be applied towards principle it never was and then they would not give me a list of all charges and fees applied on the account after one 30 day late because they refuse the payment They refuse a partial payment and I believe started foreclosure process and I believe the VA guarantee paid however Ditech will not respond to requests Verbally over the phone nor written request. I have given them six written notices.
Product: Debt collection

Subject : Request the validation of an account ( REFERENCE NO. XXXX ) Dear I.C. SYSTEMS INC. 

I am writing to formally obtain validation for debt, as per my rights under 15 U.S.C 1692 g. of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice. 
I am requesting that you send a letter validating the following information as it pertains to information for an account that you are attempting to collect. 
The information that is required is the following 1. Name and Adress of the original creditor.

2. Amount of debt.

3. Proof that you have the right to collect the debt and have not purchased the debt.

4. Any judgements that have been obtained.

5. Proof that the statute of limitations has not expired.

Please forward this information to me within 15 days of receipt of the correspondence, at the address above. If this information can not be provided to me, remove all instances of the referenced account with all credit reporting and credit information companies.

A copy of this correspondence has been forwarded to the Consume Financial Protection Bureau ( CFPB ). 

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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Product: Debt collection

I had my credit pulled and found a collection item from a company called procollect for {$940.00}. i called them and was told this was from physicans emergency care someone who i never received service from asked for a itemized statement they refused said pay or they would make thing worst. I contacted XXXX XXXX XXXX to find XXXX WAS TERMINATED FOR FRAUDuLENTLY BILLING HOSPITAL PATIENTS, TRIED TO CONTACT THEM to dispute BUT THEY FILED BANKRUPTCY AND ARE NO LONGER IN BUSINESS. procollect has violated my right to privacy and the hipp act. this is not a valid debt they have cost me harm my credit score has been negatively affected dropped from good to bad
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being.

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report.

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.
Product: Credit reporting, credit repair services, 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. XXXXAccount Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ). 

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus. 
Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records.

Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( Experian, XXXX, and XXXX ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.
Product: Credit card or prepaid card

Hi there was a statement was send to my house and we didnt apply for this credit card and we had called in several times and report this account as fraud and we never heard back from Barclays and all sudden we are getting statements and harassing phone calls from debt collectors and we havent gotten any results from there investigations and they igorne us and never ask for a police report and that fraudulent account is getting send to the collection
Product: Vehicle loan or lease

Attempted to modify an auto pay amount on an auto loan. Was told I had to un-enroll the current plan in order to re-enroll for a new amount. After un-enrolling the previous plan I attempted to re-enroll at a higher amount at which point I was only given the option of starting the auto-payments two years later ( I had already paid ahead at this point. ) If I wasn't careful I could have potentially skipped multiple payments and accrued quite a hefty amount of interest. This is incredibly deceptive practices on the part of Bridgecrest as most borrowers would likely think it's their lucky day and not realize the deception that had occurred since they were not given the option to set their payment schedule up to pay ahead ( and would not have known this before cancelling the current arrangement. )
Product: Credit reporting or other personal consumer reports

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to Mohela/ Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments.

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.