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

My account with those creditors 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 those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I requested information from this creditor last XX/XX/2024 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Mortgage

Back in XXXX of XXXX I attempted to get a loan remediation and foreclosure relief, and Wells Fargo blocked me every step of the way. I actually had to hire a loan XXXX from a competing bank to ask for the proper paperwork and assist me with filling it out XXXX join in the conference calls in order to basically force them through the remediation process. Also, as part of that remediation, I attempted to get my ex-wife, XXXX XXXX, removed from the loan, as we were divorced. I was awarded the house ( and associated debts ) prior to the remediation, and had a quit-claim deed already signed by her, all of which has been submitted to Wells Fargo XXXX XXXX times ). At that time, they reversed and reapplied a bunch of payments as part of the mediation and I informed them at that time that those numbers were not adding up, and they assured me it was correct on their end, and the discrepancies were simply " display errors. '' Now, 11 years later, I have received checks in the amount of {$2300.00} ( XX/XX/XXXX ) and {$1700.00} ( XX/XX/XXXX ), made out both to myself and my ex-wife " XXXX XXXX XXXX. '' Me and XXXX were divorced several years before the remediation ( and documentation provided ). 

Wells Fargo has receipt written authorization from my ex-wife to release these checks using the word " or '' or in my name only, but they are still refusing to release these checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about fraudulent accounts reporting on my credit report. I've disputed a XXXX XXXX account that was open from fraud multiple times and the credit bureaus are continuing to report it. I've done EVERYTHING they've asked. Filed a FTC report and everything and they refuse to remove it. IT IS NOT MY ACCOUNT AND IT NEVWER BELONGED TO ME. REMOVE IT AT ONCE IT'S FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, ONE MAIN FINANCIAL # XXXX, has violated my right. 
1

5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 someone hacked into my wells fargo account - changed my passwords and transferred {$200.00} in 3 different transactions via XXXX - i have never used and did not even know that XXXX was available through my account - i contacted wells fargo the very same day it happened - i then filed a police report with my local police department - i was then told that my case would be sent to the fraud dept and they would tellme if i was going to be able to get my money back - i finally recv 'd a call back on XX/XX/19 stating that i had lost my case. I am at a loss as i do not know what recourse i have at this point
Product: Debt collection

Cease and Desist Dear ABILITY RECOVERY SERVICE, ( ACCT. # XXXX ) This notice is Pursuant to XXXX XXXX XXXX XXXX ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.
Product: Debt collection

They had been calling my mothers phone number non stop for the last week. She finally answered and they said they were looking for me. So I called them today. 

I tried calling multiple times and they keep hanging up on me and now just will flat out not answer me. I was trying to get verification of the debt the one woman who I first spoke to told me. 

She said it was a payday loan from years and years ago and that it was originally {$500.00} but because it was never paid, ballooned up to over {$2000.00} dollars. I have never once had a payday loan, and I dont even think they are legal in MN. She stated that its been sent to the credit bureaus. 

But the moment I started to ask for the verification of debt because I wanted to forward it my bankruptcy attorney, she hung up and now nobody will answer. 

This debt is most likely fraudulent and they are refusing to help with the verification of debt. 

The name stated when I called the number thats been calling and phone number is below : AR Services ( XXXX ) XXXX
Product: Credit card

I recently filed a complaint against Citi Bank on your sight. I tried to enter your sight today but was denied access.. Your case # is XXXX my name XXXX XXXX I received a letter from Citi Bank and cc 'd to you. It stated that they were unwilling to change the rate they issued to me, to the rate they originally offered to me..The reasons they stated are untrue..They said I did not apply on the website included in my letter..I used XXXX as directed and was directed to the application page upon which I applied..Citi Bank is in complete control of their websight and I am not.. Secondly their letter states that by applying for the account online it. initiated a lenghty process to determine credit worthiness. I was told in my original guaranteed offer, that to receive the 0 % for 21 months then 12.99 % after that i had 3 options available to me. # 1 fast response via the website for Citi Bank as shown above. # 2 call XXXX. # 3 mail the form. I chose doing it online with opion # 1. The offer was good until XXXX/XXXX/15. I applied on XXXX/XXXX/15 well within the time frame of the offer.. it is obvious by my phone and mail contacts with Citi Bank after receipt of the credit card that I was not given the rate promised but XXXX 10 % higher..I have not used the credit card and will not, until the interest rate is changed to what was offered to me originally .. As I stated in my original complaint to you, I feel like this is a bait and switch tactic by Citi Bank.. So far I have only received a letter from Citi Bank but nothing from your agency..I would appreciate a response from you after your investigation into my entire complaint..
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Wakefield & Associates. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2018 I sent a direct dispute to XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Product: Debt collection

I have receive a summon for XXXX XXXX XXXX from a judgement from XX/XX/2015. I live in the state of XXXX, where the statue of limitations is 5 years.
Product: Debt collection

In accordance with the Fair Credit Reporting act XX/XX/XXXXXX/XX/XXXXAccount # XX/XX/XXXX- Open date XXXXXX/XX/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, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a vehicle via XXXX as a result the sent my information to several different companies that are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Consumer Loan

When making an online payment there is a multiple choice type selection for what you want to pay. XXXX is the payment amount, another is a custom amount, and another is the full balance etc. I accidentally checked the full balance. I did not realize this until I received a confirmation e-mail only minutes later. Calling the bank to try to resolve the issue while the payment was still pending, they were unwilling to help stating that they were unable. As an XXXX professional I am well aware from a systems standpoint what is possible and what is not. Any transaction based application or other form of software should have the ability to cancel or otherwise reset a transaction before final completion of said transaction. The only resolution I could come to was contacting my bank and putting a stop payment out there. Normally this would cost me money, but I was able to persuade my bank to waive the fee. What if this had not been me that caused this to happen? What if it had been a bug in the software, or someone had hacked my account? I realize that realistically the chances of this happening are exceedingly slim, however, not non-existent. I could understand if the payment had been fully processed and transferred to another system ( still I know there are ways to resolve if XXXX really wants to on a database level ), but this payment had not.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I send XXXX to Ally Bank and I was supposed to received it today on the XXXX of XXXX and I called XXXX XXXX and they told me I was credited to my ally bank today on the XXXX of XXXX and I still have n't got the money yet ive been calling both companies and no luck on my money I have the tracking number for this money its XXXX
Product: Credit card

Self lender is illegally reporting to my credit reports, and harming my credit. I have sent them multiple letters and they have refused to respond. 

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : SELF LENDER I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Mortgage

We contacted the mortgage company to notify them of the homeowners death. The home owner had a mortgage life policy added back in 2001 when she got the mortgage. The company does not want to acknowledge the policy. The mortgage life insurance company no longer goes by the name on our form. The mortgage company is denying any assistance or acknowledgement despite sending them copies of the form. We were never notified of any change in policy. We were robbed of an opportunity to properly protect assets. We trusted the mortgage company to do what was contracted. They are not honoring the original agreement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE XXXX XXXXXXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX