23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My monthly payment for my XXXX Store card was due yesterday on Sunday, XX/XX/2018, and so I went to my local XXXX 's store and made a payment in-store using my debit ( ATM ) card. These payments are supposed to process quickly, and the receipt provided includes the following statement : " Payments made today will be credited as of today. '' And indeed, my bank account is showing that the {$50.00} payment was withdrawn and posted from my bank account the same day - XX/XX/18. However, today, more than 24 hours after the payment, my online XXXX 's account does not show any payment but instead, under " recent activity '' its shows a late fee that was charged on XX/XX/18, indicating non-payment. There is no record of my payment made yesterday. Where did my money go? What this suggests is that XXXX had already pre-coded my account for a late fee before the due date, and so there was no way to avoid a late fee even when I paid on time. This is not right. I contacted XXXX Card customer service by phone and the agent told me that she " couldn't answer questions '' about this issue. I asked to speak with her supervisor, and 40 minutes later, a supervisor came online who told me that the message printed on the receipt was not in fact true - that payments day 1-2 days to post and during this time, they can charge late fees.This doesn't line with up with their payment policies however.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. Specifically, I request that the following incorrect information be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To ensure my credit report reflects accurate and up-to-date information , I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported latepayment : [ XX/XX/year> ] Account number : XXXX
Product: Payday loan, title loan, or personal loan

The bank failed to apply the statutory provisions of payroll costs under the CARES act ( viii ) the term payroll costs ( I ) ( ... .. and ( bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from XXXX or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; and Instead sought ONLY item 4 net earnings from XXXX as payroll costs ignoring the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, ... or similar compensation entirely. It also demanded payroll costs not required under SBA guidance. If a borrower is using the same lender and same payroll timeframe as it used for its First Draw PPP Loan and already submitted the required payroll documentation to the lender, no additional payroll documentation is required to be submitted [ emphasis added ] with its Second Draw PPP Loan application. 

And blamed other employees rather than explain or follow the statute.
Product: Debt collection

XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.
Product: Debt collection

This company XXXX XXXX XXXX is trying to collect {$3600.00} and {$1000.00} from me for a bill they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXXXXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, Sams Club Dual CA/ SYNCB violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

My wife died in XXXX after XXXX yrs of XXXX XXXX. The mortgage i found was not in both our names. I had to do probate but continued to pay mortgage until I had to cancel her account due to social security. Rushmore Loan management would not let me create a new account or talk to me on the matter even though I had given them the probate papers giving me financial authority over her estate. They rejected my acknowledgement and refused to talk with me. They created an escrow where there was none, took over insurance payments, and Paid property taxes without so much as a discussion. This continued from XX/XX/XXXX until XX/XX/XXXX. When probate was completed and filed XX/XX/XXXX they did not acknowledge me until XX/XX/XXXX by letter. When I called I was told from XX/XX/XXXX until XX/XX/XXXX It was not in the system and they could not talk to me and hang up. Finally they talked to me. I was told I had to fill out application to continue paying the mortgage. It came back as a modification which i paid double what the original mortgage was for XXXX months. Then they would let me know what the mortgage would be. They came back with what was XXXX principal to XXXX and a XXXX a month mortgage. Then XXXX mortgage in the end of XXXX which I paid XX/XX/XXXX for XXXX they said for XXXX. So they put me a month behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following XXXX XXXXXXXX account has been paid in full why is it reporting as verified and as my debt and it isn't. I would like for you guys to remove this from my report for this is defamation because their is no reason this should be reporting on my credit. I've mentioned to you guys that I am a victim of identity theft, my social security card has been stolen from me. An Account has popped up after being able to dispute the other accounts that weren't opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Debt collection

I was harassed today from Allied Interstate LLC. Not sure why they are calling me I dont have any debts and so dont owe anyone. This is very aggravating how companies can call and harass you over a debt you dont owe and never received and type of written communication. I will be getting in contact with an attorney regarding this harassment. I dont appreciate this company calling and harassing while Im trying to work. Most debt collection companies are companies who buy old debt that has already been written off and accounted for my the original creditor or organization. The original organization has already gotten credit for it. I will file a lawsuit against Allied Interstate for harassing me.
Product: Credit reporting or other personal consumer reports

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX
Product: Consumer Loan

From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$3000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : 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 reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus XXXX, XXXX XXXX, and Experian you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX  accordance accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over disputes to XXXX and Equifax. The problem has been over 30 days with no resolution. 
Please Delete and Remove from my credit report XXXX XXXX
Product: Vehicle loan or lease

Santander Consumer USA receives my auto loan payment each month as agreed but has been reporting to the three credit bureaus since approximately XX/XX/2017 that the account was charged off. I've contacted them by phone and mail but they refuse to help resolve this issue. It has caused negative credit consequences for both myself and the co-borrower on the same account. The three most current statements are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in reference to an account from XXXXXXXX XXXX XXXX appearing on my credit in XX/XX/2022. Transunion has not removed the account even though it was dismissed by the court in XX/XX/2022. The case is XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiries concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete these inquiries from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.
Product: Consumer Loan

Had issue repaying PLS {$2500.00} due to having income reduction during a torn meniscus and being off work. They took payment of XXXX from account then, I told them cant make any more payments for a while till back to work. They forward account to collections after missed the next payment. I tried to repay loan in smaller increments I made 2 payments of {$200.00} and then had issues with a rental car company, taking more than allowed, my bank gave me a provisional credit, during that time it caused a missed payment NSF with the loan company PLS. Then when I got back to work there was a wage assignment sent to my employer, unknowingly to me. They said it was sent but to my old address, so I never saw the assignment notice. So, a trusted friend said I should revoke the wage assignment and continue making payments, the supervisor there in XXXX XXXX XXXX XXXX, a XXXX XXXX, said they stopped the wage assignment, but I needed to pay {$500.00} in 2 days, which I could n't do. Then after getting the run around on what was happening for several days, she informed my husband they had sent my account express to wage garnishment, the day I revoked the wage assignment, and that we did n't have the right to and could n't make payments on it anymore. This sounded really weird to me not to be able to make a payment on a account and just let it be garnished. I am not refusing payments toward the debt just looking for something reasonable. To try and make payments of {$500.00} monthly towards a debt that started at {$2500.00} and now is at {$2800.00} and we have paid {$900.00} towards it, WE COULD NOT afford that!! It would cause extreme hardship to our already tough situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.