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 XXXXXXXX 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 XX/XX/XXXX to XX/XX/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.

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: Student loan

I was attending XXXX and the company ended up going out of business. I have student loans with XXXX XXXX XXXX due to misleading borrows about income driven repayments plans botching payment processing, harming my credit deceiving me about requirements for a cosigner release and misleading me about the consequences about my credit score. I have been trying to get my loans discharged due to the schools negligence and have seen little to no progress. I'm not sure if i was a part of the lawsuit that's against them in the XXXX v XXXX XXXX case but i haven't received compensation or discharge of the loans from my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I wrote a check on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX with a different account number on it. That someone there marked out and put a new account number on it. They have reported on my credit that I didn't make that payment I wrote another check on XX/XX/XXXX and I put it in the local post office that the should have got on the XXXX or XXXX of XXXX. There was a letter in with this check stating what has happened and I give them 7 days to find and fix the problem or I would start filling complaints. This will not be the only complaint I file. What they are doing is wrong and some one will answer for what is happening before I stay and this will be remoy off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello to whom it my concern, in XX/XX/XXXX I viewed my transunion credit report only to find 13 inquiries that I have no knowledge of what so ever those inquiries are listed below : 1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX  Inquiry from XX/XX/XXXX 3.XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX Inquiry from XX/XX/XXXX 7.XXXX  Inquiry from XX/XX/XXXX 8.XXXX Inquiry from XX/XX/XXXX 9.XXXX XXXXnquiry from XX/XX/XXXX 10.Brclysbankde Inquiry from XX/XX/XXXX 11.XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX XXXX Inquiry from XX/XX/XXXX on XX/XX/XXXX I contacted transunion by mail to ask them to remove those inquiries or to investigate or verify them they replied back with letter stating that I should contact the companies listed in the inquiries on XX/XX/XXXX I sent another letter requesting to remove those inquiries and still no response I spoke with transuion customer service on the phone several times and they refuse to remove them from my report. 
at this point I do not know what else to do in order for this company to remove these unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Despite my previous efforts to resolve inaccuracies on my credit report, you have failed to fulfill your legal obligations, causing harm to my creditworthiness and financial well-being. 

Violations and Noncompliance : -Failure to Investigate & Correct Inaccurate Information -Failure to Provide Proper Notice or Justification -Negligence Resulting in Financial and Reputational Harm : Due to your failure to comply, I have suffered damages, including denials of credit, higher interest rates, stress, and difficulties inquiring home rental
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
I C SYSTEM ( Original Creditor : XXXX XXXX  ), balance is {$300.00}, and account # XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about zelles handling of dispute, particularly of recent CFPB lawsuit highlighting significant issues with the platform, Zelle. Despite using Zelle numerous times both Zelle and my bank have failed to adequately investigate my claims. Zelle said it was impossible to track transactions or to recover lost funds. The CFPBs findings indicate that Zelle has not only neglected their users on these finding but allowed repeated offenders to exploit the system and compromise my information
Product: Credit reporting or other personal consumer reports

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

Here are the following inquiries : On the following Dates : XX/XX/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 XXXXXX/XX/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 XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : Experian on behalf of XXXXer 15 U.S.C 1681 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 make 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 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, credit repair services, or other personal consumer reports

I have sent several letters to Experian to dispute inaccurate personal information being reported on my report. I followed their instructions and after receiving the results back. There is still inaccurate information on my report.
Product: Mortgage

My complaint is in reference to the way SunTrust Mortgage ( now Truist ) has handled my last three Escrow Analysis with no clarification on how they calculated them. The Escrow Analysis was not accurate and there is missing information of payments from my homeowners tax credit they received during the last two Levy years of XXXX and XXXX. Also, they do not give me access to my account on their website ; they locked my account. They have increased my monthly mortgage payment with a new Escrow Analysis that I have not accessed to and they still have not clarified the questions I made to them in my letter dated XX/XX/2021, about the previous escrow analysis of the levy year XXXX. I believe they have calculated a new payment in less than 10 days, and they are not clarifying the questions I made for the Escrow Analysis they made on XX/XX/2021. 
I called several times and talked to different agents and supervisors, but they did not give me any response, nor did they answer my questions about why they increased my monthly mortgage payment with no clarification of the previous Escrow Analysis of Levy year XXXX. They called me on XXXX about the letter I sent to them on XX/XX/XXXX, but I was very busy because of the XXXX holidays, and I requested them to call me on Monday, XX/XX/XXXX but they never called me. When I called them on XX/XX/XXXX, they said they do not need to talk to me and I had to wait 30 business days more after XX/XX/XXXX, the day they open the case. I called again to ask why they raised my monthly mortgage payment if they have not answered my letter of the error on the last Escrow Analysis of XXXX but they did not want to talk about it. 
For the Escrow Analysis of XXXX, I have not requested clarification yet because I just realized they did the same of what they are doing now with the Escrow Analysis of XXXX. I am taking this opportunity of my complaint to request clarification of the Escrow Analysis of XXXX. 
For the Levy Year of XXXX, they have received my Homeowners Tax Credit from XXXX XXXX a check in the amount of around {$3200.00}. For the Levy Year of XXXX, they have received almost the same Homeowner Tax Credit from XXXX XXXX another check in the amount of {$3200.00}. 
I am attaching a copy of my letter sent on XX/XX/2021. Also, problems were encountered on their website when I was trying to log in to the SunTrust website and how they locked my mortgage account for me to get the information I need to make this complaint. They knew I was placing a complaint because I told them I will do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/XXXX ( XXXX ) regarding Equifax reporting discrepancies on my credit report particularly my score. My first complaint never got resolved so I am filing a second complaint. 
On the actual credit report on page 150 it shows that there is not a bankruptcy however, under ( myequifax.com ) Equifax credit score - ( Hurting Your Score Section ) which was updated on XX/XX/XXXX shows that there is a bankruptcy and delinquency affecting my credit score ( please see Equifax Data 1 and 2 ).
Product: Credit reporting or other personal consumer reports

I looked at my credit report last month and saw a bankruptcy and several accounts that where associated with bankruptcy. Well i have never filed for bankruptcy. Me and my father have the same name and he has filed for bankruptcy. It might be his, im not sure but i definitely know its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$78.00} ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested 1099 C company has not sent If charged off its wriiten off as a complete loss If I receive 1099 C it should go on my personal income and not my credit report .It also should show a XXXX balance since written off as a complete loss
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive Perkins Loans funds on my behalf by forging my information. I have never taken out a Federal Perkins Loan or signed off on a Promissory Note to provide monies to XXXX University. 

UAS : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the Federal Perkins loan was placed with UAS on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the Perkins Loan to XXXX University, the current XXXX Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the Perkins Loan was signed and became effective XX/XX/XXXX. In addition I would like to point out that the XXXX does not include my signature. Please see attached. 

Attached is also the Financial Aid Award Year Summary, that I received from the Financial Advisor, XXXX XXXX on XX/XX/XXXX. The summary clearly states, Federal Perkins Loan {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a Perkins Loan that I did not request, need or sign. This information is being provided to the XXXX XXXX XXXX XXXXXXXX. 

I am requesting that UAS and XXXX University remove all of the late payment of 120 and 180 days from my credit report with the Credit Bureaus immediately. 

I am also requesting that UAS and XXXX University have XXXX remove any and all collections from my credit report and remove reported Federal Perkins loans from the US Department of Education. IMMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX I gave my XXXX XXXX XXXX my debit card for my bank account at Wells Fargo and I wrote my pin on a sticky note on the front so they would be able to make the purchase, The cell phone and wallet with my debit card inside was stolen from XXXX store in XXXX SC. Several charges were made that were unauthorized including atm withdrawals. As soon as the charges were no longer pending I put a claim in online for the unauthorized charges on XX/XX/XXXX I was unable to provide details of what happened because a few hours later the claim was denied. I called and spoke to a representative who told me that after investigating there was no error found which they could not have even investigated because they did not even know the full story there was no option to type in information to go along with the claim online. I told the representative this information and also said I filed a police report about the missing items and stolen debit card. The representative said they could Not refill the claim and that I would have to contact the merchants directly which I did and they said nothing can be done and I would have to dispute through my bank. I have no other option and I am out this money which I was relying on in order to pay bills this month etc. 
charges were as followed -XXXX XXXX  for {$23.00} on XX/XX/XXXXXXXX XXXX XXXX for {$120.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX for {$24.00} on XX/XX/XXXXXXXX XXXX {$21.00} on XX/XX/XXXXXXXX XXXX  {$19.00} on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX for {$190.00} XXXX on XX/XX/XXXX for {$40.00} -ATM withdrawal for XXXX on XX/XX/XXXX -ATM withdrawal for XXXX on XX/XX/XXXX -ATM withdrawal for XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  for XXXX on XX/XX/XXXX The total of the claim was for {$910.00} and claim was filed on XX/XX/XXXX Claim number is XXXX
Product: Credit card

On my last statement with Elan Financial Services, XX/XX/year>, I was informed that my credit card account was closed. When speaking with Elan I was informed that the account was turned over to a debt management company. There is no balance on the account and it has always been paid on time and in full, I never provided any form of consent or requested the service. Regardless, I was informed that I had to speak to the law firm handling the account. I spoke to both the debt management company as well as XXXX XXXX XXXX, both had no record at all with my name or information. I once again called Elan Financial who refused to offer assistance stating again that I had to work with the law firm, even though I made it clear that they do not have any of my information and can not assist. Elan informed me that there is a thorough process when an account is turned over, they claim they have documents provided by the law firm signed by me. However as I stated the law firm has no record. I want this record cleared as I have no financial distress and I do not want this recorded, in addition I would like the account reinstated.
Product: Credit card

1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time. 

2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX. 

3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well. 

4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems. 

5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 

6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 

7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 

8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 

9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 

10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 

11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.
Product: Vehicle loan or lease

ON XX/XX/XXXX OR XXXX 2023, I WENT ONLINE TO MAKE A PAYMENT TO MY ACCOUNT I PAID THE PAYMENT FOR THE MONTH OF XX/XX/2023 HOWEVER AFTER I CLICKED SEND I SEEN THAT I COULD GET A DEFERRAL FOR THE PAYMENT OF XXXX I ACCEPTED IT. THIS WAS NOT DURING BUSINESS HOURS THAT THE PAYMENT WAS MADE SO THE FOLLOWING BUSINESS DAY I CALLED AND SPOKE WITH XXXX XXXX FROM MERCEDES BENZ FINANCIAL I TOLD HER I DID'NT KNOW I WAS ELIGIBLE FOR PAYMENT DEFEREAL FOR THE MONTH OF XXXX COULD IT STILL BE APPLIED SHE SAID YES I ASKED HER WHAT WILL HAPPEN WITH THE PAYMENT THAT WAS JUST MADE SHE ADVISED ME IT WOULDNT BE APPLIED TO THE ACCOUNT BECAUSE I ASKED FOR THE DEFREAL SHE ADVISED ME TO CALL MY BANK AND HAVE THEM REJECT THE PAYMENT OR TO WAIT AND MERCEDES BENZ FINANCIAL WOULD EVEN RETURN THE PAYMENT BACK TO ME. SO WHAT I DID WAS I CALLED MY BANK TO HAVE THEM REJECT THE PAYMENT WELL ON XX/XX/2023 XXXX XXXX FROM XXXX XXXX XXXX CALLED ME AND TOLD ME THE ACCOUNT WAS XXXX PAST DUE I EXPALINED THE SITUATION AFTER A LONG HOLD I WAS ADVISED THE DEFERAL WAS APPLIED TO XXXX AND I WAS GIVEN THE WRONG INFORMATION AND THERE WAS NOTHING THEY CAN DO I ASKED TO SPEAK WITH A MANAGER BECAUSE I WANTED CLARIFICATION ON WHY THIS WAS DONE AS I WAS CONCERNED ABOUT MY CREDIT SCORE SHE ADVISED ME SHE WOULD HAVE A MANAGER CALL ME BACK I TOLD HER WHY DID YOUR OFFICE TELL ME TO HAVE MY BANK REJECT THE PAYMENT SHE JUST SAYS I DONT KNOW A FEW HOURS LATER XXXX XXXX CALLED ME AND TOLD ME BASICALLY IT WAS TO BAD THAT I WAS GIVEN THE WRONG INFORMATION AND THE PAYMENT WAS NOT APPLIED TO XXXX AND IF I HAD ANY ISSUES TO CONTACT THE CREDIT BUREAUS BUT I TOLD HER WHY DO I HAVE TO CLEAN UP THE MIS INFORMATION YOUR TEAM GAVE ME I ASKED TO SPEAK TO UPPER MANAGEMENT SHE WAS VERY RUDE AND SAID THE MANAGER IS OUT OF TOWN NOT SURE WHEN HE WILL BE BACK SHE WAS HESISTANT TO GIVE ME HIS NAME SHE FINALLY DID HIS NAME IS XXXX XXXX PLEASE BE ADVISED ALL THE CALLS ARE RECORDED
Product: Debt collection

Text message was sent in XXXX about a debt they have brought but never sent anything in writing and it has affected my credit.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX