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

My accounts with XXXXXXXX XXXX XXXX  and XXXX  XXXX XXXX  were 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXXXXXX XXXX XXXX  and 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 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

I have a hard credit inquiry from SYNCB/LOWES dated XX/XX/year> on my credit report. I've called Synchrony repeatedly only for them to tell me that they have no record of a credit card application on file for my name or SSN. They did, however, reveal that they can not lookup business card application by SSN so there is no way for them to locate the application in question. Per XXXX XXXX, I need a letter from Synchrony Bank stating that this application was fraudulent in order to get the hard inquiry removed from my credit report but Synchrony will not provide this as they have no record of the application to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the XXXX Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC #  XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Product: Debt collection

This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them. 

I have never done business with these people and dont know where they even got my information.
Product: Credit reporting or other personal consumer reports

I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid collection company XXXX to remove this account from my credit report which I was told they cant remobve I would have to ask XXXX XXXX XXXX. So I called them and they told me they cant remove the account but will show paid in full. But I want them to to remove this account off my report because its ruining my credit score on my report
Product: Credit reporting or other personal consumer reports

Title 42 of the United States Code, Section XXXX ( XXXX XXXX XXXX ), addresses the fraudulent use of Social Security numbers and related offenses. Here is a summary of the relevant information : XXXX XXXX XXXX : ( a ) In general : Felony Offense : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number is not the Social Security number assigned to him or to such other person, shall be guilty of a felony. 

Fraudulent Activity : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number was not yet assigned and such person knows it was not yet assigned, shall be guilty of a felony. 

Improper Use of Social Security Number : Whoever, in applying for or using a Social Security number, for the purpose of obtaining anything of value provided by law, or for any other purpose, knowingly furnishes or knowingly causes to be furnished false information to the Commissioner of Social Security for use in determining rights to such benefit or payment shall be guilty of a felony. 

( b ) Theft of Social Security XXXX 's Payments : Whoever, being a relative ( as defined in section XXXX ( f ) of this title ) of an individual entitled to a benefit under section XXXX ( d ), XXXX ( XXXX ), XXXX ( d ), XXXX ( XXXX ), or XXXX ( f ) of this title, embezzles or fraudulently converts to his own use such benefit or any part thereof, shall be guilty of a felony. 

Practical Implications : Criminal Offenses : Section XXXX outlines felony offenses related to the fraudulent use and representation of Social Security numbers. 

Intent to Deceive : Engaging in activities with the intent to deceive by falsely representing a Social Security number, whether assigned or not, is a criminal offense. 

XXXX XXXX for Obtaining Benefits : Knowingly furnishing false information in applying for or using a Social Security number for the purpose of obtaining government-provided benefits or anything of value is considered a felony. 

Theft of Social Security XXXX 's Payments : Embezzlement or fraudulent conversion to XXXX 's own use of Social Security benefits belonging to a relative is a felony offense. 

These provisions are in place to deter and penalize fraudulent activities involving Social Security numbers, emphasizing the importance of accurate representation and lawful use of these identifiers. Individuals convicted under these provisions may face criminal charges and penalties.
Product: Checking or savings account

PNC took control of XXXX accounts on XXXX. Since the takeover, I have not been able to access my money in multiple personal and commercial accounts. I have {$3.00} XXXX in accounts in multiple states that are inaccessible to me. I have gone to the local branch they couldn't access my accounts and could not offer assistance. I have waited for 2 hours on the hotline only to be redirected to Managers that could not be of assistance. We have followed every protocol provided by PNC and still can not access our accounts. We have spoke directly with a VP of customer relations, XXXX XXXX, at PNC who said that there is no resolve in sight. We understand that this is affected thousands of other PNC customers. I need access to my money for my businesses.
Product: Mortgage

Today I recieved the letter from Bayview Loan Servicing about " Notice of Default and Intent to Accelerate '' alerting me that I'm in risk of default because I missed the payments since XX/XX/XXXX. Even though, when the loan modification was signed they adjusted the interest to 4 % and now they are trying to put me in default. 

A complain is already opened for them to adjust to 4 % instead of 5.62 % because they assumed it was a clerical error. It is definitely not an clerical error which they are trying to put me under default so they can proceed to foreclosure. Since the first modification I have made payments on time and now they are claiming I'am in default in the amount of {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX Credit/BOCH TOYOTA. Date : XX/XX/2021XXXX  XXXX XXXX XXXX. Date : XX/XX/2021TOYOTA MOTOR CREDIT CO. Date : XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021 XXXX  XXXX XXXX. Date :XX/XX/2021XXXX XXXX XXXX XXXX : XX/XX/2021
Product: Credit card

CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries and collection acct reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX XXXX Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, XXXX XXXX Transunion does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : Transunion commission file number XXXX : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account numberXXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number XXXX XXXX XXXX XXXX
Product: Consumer Loan

Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the late payment entries that have been reported to the credit bureaus on my account. believe this information is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, specifically FCRA Section 602 ( 15 U.S.C. 1681 ) and Section 604 ( a ) ( 2 ), as well as 15 U.S.C. 1666b.

Under FCRA Section 602, credit reporting must adhere to a high standard of accuracy and fairness, ensuring that only accurate and fully verified information appears on consumer reports. Inaccurate reporting of late payments damages my creditworthiness and causes unjust harm. By reporting late payments without clear, accurate verification, [ Creditors Name ] is in violation of this standard. 



Additionally, according to FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), only permissible purposes justify the furnishing of consumer report information. The inclusion of unverified, erroneous late payments on my report constitutes a misuse of the reporting system and suggests the failure to uphold permissible purpose standards. 



Furthermore, I request that you review 15 U.S.C. 1666b, which provides guidance on the timely posting of payments. It is my contention that these late payment entries may reflect a failure on [ Creditors Name ] s part to accurately process payments in a timely manner, per the requirements of this statute. 



In light of the above, I request the immediate removal of any inaccurate late payment notations on my credit report. Please respond to this dispute by providing documentation verifying the accuracy of this information or proceed with the correction and update of my account. 



Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide a resolution timeline. I look forward to your cooperation in correcting my credit report to ensure its accuracy. 



Sincerely, XXXX XXXX
Product: Debt collection

I received a letter collecting debt from a time share that I own. The original amount was XXXX. I called the Continental central credit, Inc to discuss and understand the debt. Through the years of owning this time share we have always sent money to XXXX resorts and then it was XXXX resorts. I have never received a bill from XXXX the time share organization. After doing some research and several phone calls with XXXX XXXX an employee with Continental Central credit, I agreed to pay the XXXX with XXXX payments a month. He refused to take any money saying that now the bill was XXXX. I told him that i never received a letter asking for this amount and that we never discussed this amount. He still refused to take any money and threatened to report the debt to damage my credit score. Our conversation about payment was discussed on XXXX XXXX, 2016 and by Saturday afternoon XXXX XXXX, I did receive a letter asking for the NEW amount of XXXX. This amount was never discussed and I am really not sure how XXXX XXXX and Continental Central Credit came up with the amount.
Product: Debt collection

I sent 1st validation dispute on XX/XX/XXXX, 2nd validation dispute on XX/XX/XXXX and now my 3rd validation dispute XX/XX/XXXX for a alleged debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX CARD was never late! I have had exceptional payment history with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD 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 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 on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX OF XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Disputed the fact that a XXXX accounts are being reported on my XXXX , XXXX, and Experian credit bureau that are the same collection account. XXXX is the original debt with CB Dispute ( XXXX XXXX in amount of {$16.00}, XXXX ) and the other is the assigned debt from them to a collector in the same amount. It is against Federal Law for a collector to report an outstanding debt TWICE ( Double Jeopardy ) which hurts my credit file and score more than if it was reported once. If the debt is sold and assigned and listed on credit bureau, then the original debt must be taken off credit file otherwise it could be sold multiple times with multiple collections showing up on credit file for just ONE debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$910.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$870.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$180.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

An XXXX XXXX American Express card was attempted opened in my name. I received a denial from American Express as I had placed a freeze on my credit files. I did not apply for nor did I solicit credit. I called the number provided at XXXX and referenced # XXXX. I have since added a fraud alert to my credit files.
Product: Credit card or prepaid card

OKAY SO LET ME START BY SAYING HOW XXXX I AM WITH THIS COMPANY! IVE BEEN WITH THEM FOR YEARS AND HAS BEEN VERY LOYAL!! ANYWAYS SO I CLOSED MY ACCOUNT, THE REP I TALKED TO ON THE PHONE TOLD ME I CAN PAY IT OFF WHEN I WANT SHE NEVER TOLD ME THAT I WOULD BE GETTING LATE FEES!! SO ABOUT TWO MONTHS LATER I LOOKED AND SEEN THE LATE FEES CALLED AND TOLD THEM WHAT THE LAST REP TOLD ME THEY BASICALLY TOLD ME I WAS LYING AND THEY WERE GOING TO LOOK INTO THE CALL ITS BEEN ABOUT 3 MONTHS STILL NOTHING, THEY KNOW THEY WAS WRONG THEY TOOK THE LATE FEES OFF MY ACCOUNT BUT DID NOT REPORT TO THE CREDIT BUREAUS SO THE LATE FEES ARE STILL ON MY CREDIT ...
Product: Credit card or prepaid card

Credit Card Accountability Responsibility and Disclosure Act of 2009. American Express willfully did not provide my credit limit to further undermine my credit score. I had a limitless credit Limit but only spend {$500.00} at a time then they addresses unnecessary late feels {$450.00} and I wan never late.