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

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 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: Vehicle loan or lease

on XX/XX/XXXX, I called my lender asking for a one or two month extension on my auto loan. I have never once been later nor have I requested a previous extension for this loan. Before even explaining my situation, I was advised by the rep that they werent giving extensions for covid ( this was odd to me, as every other lender is bending over backwards to assist ). I then advised that I needed to request a one or two month auto extension due to unexpected vet bills, and was advised " well thats a first. '' She then stated that this wasnt really a valid reason and that normally extensions were only given if I was in the hospital or lost my job. I stated that I was facing a short term hardship and needed the extension. She then advised me that they only grant one month extensions. After some calculations, she advised that to defer my {$430.00} payment, it would cost me roughly {$350.00} to which none of this would go towards my loan, it was " just the cost to defer the payment. '' I asked how the Bank could charge me for my hardship, as I have never been charged for an extension with any other lender. She stated that it was just their rules. To benefit off of a customer hardship and make them pay for financial assistance is horrible and takes advantage o a customer in a time of need.
Product: Payday loan, title loan, or personal loan

I have been trying to speak with someone in the fraudulent department of Speedy cash for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Speedy cash received an application of credit in XXXX of 2020 under the following names XXXX XXXX and XXXX XXXX from XXXX Texas. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXX XXXX Account and I will attach the complaint and response to this complaint so Speedy Cash can recognize and confirm that these applications used a fraudulent XXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Speedy Cash because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Speedy Cash to recognize the GRAVE error they made and I want an apology and their acknowledgement regarding this matter and I want Speedy Cash to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a Chapter XXXX filing on XXXX XXXX, 2010 PNC mortgage was a creditor discharged. I discovered that PNC had reported credit activity after having been discharged. The activity was reported to and published by XXXX. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, XXXX chose to publish the information. Upon notifying XXXX of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The XXXX supervisor " XXXX '' in the Resolution Department stated that if PNC reports the activity, XXXX would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. XXXX has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
Product: Debt collection

My wife is XXXX from XXXX XXXX. We had to move to get her proper care for her illness. We told XXXX XXXX  this and they could not have cared any less. We compelled them to wave the extra fees as the move was a medical emergency. Columbia XXXX XXXX were extremely heartless as I tried to explain to them our situation to no avail. We had to move in with family as my wifes medical bills are extremely high. We are in no position to pay fees to a heartless company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.
Product: Credit card

I got an email on XX/XX/2023 from Revvi stating that they have a settlement offer for me. I was instructed to call them to get the offer terms. I called Revvi on XX/XX/2023 to get the terms of the settlement offer. The representative told me the offer is for {$41.00} for 3 months. I asked if I could just pay the {$120.00} ( {$41.00} for 3 months ) in a lump sum, and the representative said yes. I asked if my account would then reflect a XXXX balance, and the representative said yes. I asked if my account would stay active, and the representative said yes. I then agreed to those terms and proceeded to verify those terms with that representative at least 3-5 times while I was preparing my payment of {$120.00} for the settlement offer. Ultimately, I successfully made that payment on that same ( recorded ) phone call. I checked my account balance the following week, and my account did not reflect a XXXX balance. I have since spoke with this company and they are denying that the terms ever existed. I asked them to listen to the recording of that conversation, and they ultimately said that will most likely never happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX Georgia made up to 6 hard inquiries and ruined my credit. 5 of the 6 were unauthorized. The asst manager at the loan company told me that they didnt take XXXX XXXX card to pay bill. I XXXX XXXX her personally and she paid with her credit card Im assuming. Late payments reported and I feel like Ive been ruined. My credit was ruined during Covid and I have I believe XXXX because of all. I have repeatedly disputed the hard inquiries with the bureaus and Ive had no luck. Please help!
Product: Checking or savings account

On XXXX, XXXX, XXXX, my aunt attempted to lend me {$800.00} via XXXX. She used my email, which I didn't know at the time, was linked to an old Capital One account. I had not used the account in years and was unaware of why it was even still open to begin with. We attempted to cancel the transaction by calling XXXX, which is my aunt 's bank. They said they couldn't do anything because it was already accepted by Capital One ( my bank ). I then called Capital One because I had no access to the funds in that account. I tried to get them to tell me why I had no access to this account but, they wouldn't really answer my questions, only that it had to do with something from years prior, like I mentioned before, this account hadn't been used since XX/XX/XXXX, why it was still open in XXXX is beyond me. I tried to ask Capital One what were my options in order to either get the fund released to me or even sent back to my aunt. Capital One informed me that they would mark my account to release the funds back to XXXX XXXX  as long as they received a letter from XXXX stating to do so. My aunt said she spoke to XXXX on two separate occasions asking for them to request the money back and they informed her that they did. When I called Capital One again, they said they never got anything. 
Basically, Capital One is holding onto my money for no reason what so ever because the account is not and was not overdrawn prior to the money being deposited. There was no pending charges either. I even spoke to the company XXXX and they refuse to get involved. This has been going on for months with nothing happening from either bank. I've tried to get this solved numerous times to no avail. Capital One is wrongfully holding my money that is rightfully mine. There's even a banner on my account now that states " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have statements from my Aunt and her bank that they have tried to work with Capital One to get the money sent back to her, but have yet to receive a response from Capital One.
Product: Checking or savings account

XXXX I was incarcerated for six months there was an a money wire turn on my account I get direct deposit from Social Security so when I got out I was only out for two months XX/XX/XXXX I was back incarcerated XXXX XXXX to XXXX XXXX I got out in XX/XX/XXXX from back there I was told that my account was overdrawn which shouldnt have been overdrawn because once again I had Social Security check XXXX was charged and XXXX was charged when it was a free trial XXXX I authorize XXXX XXXX to go check my account I have documentation of me being incarcerated and Im suffering right now from XXXX XXXX  condition so I was very overwhelmed of the fact that I was missing funds back in XXXX from a money transfer that was an authorize so I found my documents I called the bank and theyre going to tell me that I wasnt able to receive my funds when it is there a liability policy of missing funds of fraud so Ive been trying to call for the last two days to get in contact with them we let them know that I sent them the affidavit and also documentations of me being incarcerated so I had no knowing of what was going on with my account thats where I receive my Social Security income so now I want it to see if I can be reimbursed on my income that I have to spend to put a roof over my head
Product: Mortgage

I fell behind on my mortgage because my mother was living with me and contributing {$2500.00} into the household income and she passed away. I then applied for a loan modification and was denied. My income between my pension and social security income is {$4300.00} monthly and my unpaid balance on my home is {$240000.00}. With the low interest rates I did not understand how they sent me a denial stating that my income was insufficient. I was also denied due to my hardship not qualifying. I called my lender and asked for more information including the value used and how the value was derived. I was told to contact my lenders counsel. I did and was unable to get a copy of the valuation, I began requesting this information in XXXX and it is now XXXX. I also asked for the net present value used in the modification underwriting. I was told that it would be sent to me and never was, they just continue to send the denial missing the information I am requesting. It has been 6 months and they will not share the documents. Also, I am in a XXXX and over community and had to leave for almost a month when the quarantine began, I also had to pause my home based business. Homebridge Financial is refusing to  give me the forbearance under the CARES act stating the firms procedure, however I was under the impression that everyone who had a hardship qualified. I thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 
On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my Equifax consumer report from a company named XXXX XXXXXXXX XXXX with account # XXXX XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report XXXX which notified the other two major credit bureaus ( email proof attached ) also I filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint.

Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft.

Enclosed are copies of relevant documents to support my complaint, including a copy of the Equifax credit report of XX/XX/year> showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX with account # XXXX XXXX with a balance of USD XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these itemsin accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SECTION 605 B SECTION 15 U.S.C. 1681 i am writting to formally request the removal of fraudulent accounts and inquires from my credit report immediately my information has been exposed in multiple DATA BREACHES as a result i an a victim of identity theft. Fraudulent Inquires : 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: Credit reporting or other personal consumer reports

Seen XXXX of XXXX, I notice several of accounts that were not my account in my credit report, I never applied for rental application in couple of years, and did not notice that I had this account in my Tenant Screening. The following account is not mine I never lived at the following address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Residential Communities- Creditor Name XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I had my identity stolen several years back, and they person open up credit cards in my name and looks they got place also. This is not mine, I still working in XXXX Police department who has a detective still working on my case.
Product: Debt collection

My name is XXXX XXXX XXXX, XXXX, and born on XX/XX/XXXX. 
The company Account Receivable Resources , Inc sent me a letter telling me that it is trying to collect my debt with XXXX XXXXXXXX XXXX  for a service during a preventive XXXX ( the only one done in my life ) carried out on XX/XX/XXXX, and that it should not be charged every 10 years by law. 
I didn't know I could report the undue billing to XXXX XXXX XXXX, and I did so through my XXXX XXXX insurance. 
As I was informed, my medical insurance XXXX made a complaint and approved paying XXXX XXXXXXXX XXXX the amount of {$300.00}. 
Even so, I continue to receive debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think the CFPB needs to be aware that credit reporting agencies ( XXXX & Experian ) are having very serious issues. I just looked at my credit report with Experian and it shows all zeros ( last week I was fine ). I should show a credit reporting history that dates back over thirty years which is what the two other agencies show. My husband pulled his credit report with XXXX  last week and it also had all zeros listed. When you try to obtain a free report, the agencies are unable to provide you one because you do not exist. You have to pay for a report and then send a dispute through the U.S. mail. The issues that both of us encountered with these reporting agencies have caused each of us a 60 point drop in our credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a bill in the mail from my best buy/Cbna Credit card in XX/XX/XXXX to pay my bill of XXXX.. I  have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a backgound check done for a job, my background was flagged by Sterling Background Checks. This stopped the hiring process for the position I was being considerd for. The only negative information contained in my background check dates back to XX/XX/2009. Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. I have contacted Sterling Consumer Reporting Agency twice about this violation of the FCRA and they have been uncooperative to resolve this issue in a timely manner. under Sterlings guidelines I have only 5 days to dispute this issue, which the days are up. They  flagged my report on XX/XX/XXXX, I followed up with a call the same day and they have only just now contacted me back on XX/XX/XXXX with my actual released file showing the contents of my background check. In conclusion I would like the outdated negative information removed from my background check.
Product: Checking or savings account

I have received numerous letters stating I opened different bank and credit card accounts. 
I believe someone has stolen all my impersonal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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