23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a resident of the state of Louisiana and an XXXX XXXX service member. My XXXX XXXX time began on XX/XX/XXXX and has not yet concluded. I requested Louisiana XXXX XXXX benefits be applied to my Military Star Card account per Louisiana revised XXXX XXXX on XXXX XX/XX/XXXX and was denied on XXXX XX/XX/XXXX because I am not currently XXXX to a contingency area. Louisiana XXXX states : XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court XXXX XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH capital 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 ( MONTHS REPORTING LATE ) 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! 

XXXX5 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, XXXX 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, credit repair services, or other personal consumer reports

Went to bank of America to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX that I had committed fraud. XXXX then sided with the fraudulent bank branch and put my name in XXXX for " suspected fraud '' after I emailed them photos of paperwork from bank of America showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Product: Debt collection

Received this letter in the mail last week and gave them a call because I have never heard of their credit union. 

In XXXXXXXX XXXX XXXX I got hacked very badly. For almost a year I had to keep calling XXXX XXXX to change my accounts/cards/login etc. never ever thought it was possible for someone to be able to take out a loan. 

I gave this company a call explaining the situation and know this wasnt me. The only loans I have taken out was for school or my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$790.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on 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 Inquiry : XXXX. XXXX, XXXX ;
Product: Checking or savings account

US bank does not provide the deposit cut off times for its ATMs on its website, nor does US Bank customer service have or give out this information. Please see https : //locations.usbank.comXXXX. Try calling XXXX and asking for the ATM same day deposit deadlines, whether in general by location or by specific ATM. 
You will receive nonsense answers such as " there is no cut off '' " it 's up to each individual branch '' " the next business day ( with absolutely no definition of business day available ) '' etc. Needless to say, this makes it impossible to manage one 's account and cash flow and clearing of checks. Of course the ATM 's have same-day deposit cut-offs just like every bank does, I just have no idea why this information can not be revealed to the consumer in advance of driving to each and every ATM!!! I think US Bank is trying to promote confusion and overdraft fees by hiding this information from the consumer. All of the other banks that I 'm aware of, publish this basic required information for managing one 's account. Please see https : //www.wellsfargo.com/XXXX/ by way of comparison. I am thoroughly disgusted that a major bank like US Bank does nor provide required account servicing communications to its customers, even when directly asked.
Product: Mortgage

Loancare is servicing my mortgage and is being unreasonable and unlawful with my PMI removal. I paid my loan down to under an 80 % loan to value based on the appraisal value done 4 months prior to my loan closing. They ignored my requests and are requesting a new appraisal be ordered when they have official documentation ( my appraisal ) that is extremely recent and used to solidify a loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX : XXXX, AZ
Product: Credit reporting

I paid XXXX in full With IC SYSTEMS ( XXXX XXXX XXXX ), ( The amount currently in collections. ) Several months ago I did a three way call with IC SYSTEM and XXXX XXXX XXXX to resolve this issue. After getting nowhere with defending the amount I did not owe, I paid the amount the debt collector claimed I owed. This amount is still currently on my credit collections. I honestly do n't remember the Man 's name that I spoke with from IC Systems but this amount is no longer due. 13 Days ago I XXXX, trading for a larger vehicle is now an issue due to this in collections. This has not only affected my credit but future convinces of having a larger vehicle and lower payments. Asking for some assistance on getting this removed. 
Thanks, XXXX XXXX
Product: Debt collection

On two separate occasions, a person impersonating a process server claimed and left notes on the door to a private residence " that a lawsuit had been filed against me to collect a debt. '' I checked with the County Clerk, and no such lawsuit has been filed. The number left on my door -- using hand-written, error-filled sticky notes -- is for a non-local number though claiming to be from the " [ Local ] County Court 'deleving ' [ sic ]. '' The alleged plaintiff is Portfolio Recovery Associates. The alleged number to call scrawled on the sticky notes left at my residence is for a private number in a different state and is not affiliated with any corporate entity or process-server company. I have contacted attorneys in addition to the County Clerk to verify that no such legal proceeding has been filed against me.
Product: Credit reporting or other personal consumer reports

i recentcly reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX, I requested a modification of my mortgage loan. XXXX XXXX XXXXXXXX sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XX/XX/XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

XXXX XXXX XXXXXXXX, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX paymentsXXXX XXXX XXXX XXXXXXXX failed to send XXXX of XXXX, but sent XXXX from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX 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 correct : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX , DE  XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

1. In XX/XX/XXXX, I took out Loan Number One for {$23000.00} from Lending Club. 

2. In XX/XX/XXXX, I applied and received approval for Loan Number Two for {$14000.00}. It was my intention to use those funds to payoff Loan Number One because Loan Number Two had a better interest rate and a shorter term. 

3. On XX/XX/XXXX, I received a direct deposit from Lending Club for Loan Number Two in the amount of {$13000.00} which represented the {$14000.00} loan minus a {$840.00} origination fee. 

4. I logged into my Lending Club account to apply the {$13000.00} deposit from Loan Number Two to Loan Number One but the online portal would not accept payment due to what a Lending Club representative later told me was a " glitch in the system. '' 5. On XX/XX/XXXX or XXXX, XXXX I called Lending Club and told the representative the online payment portal would not accept my payment. I asked him if he could tell me the payoff for Loan Number One, and he informed me the payoff was {$14000.00}. I authorized him to withdraw {$14000.00} from my bank account on file with Lending Club to pay off Loan Number One.

6. The Lending Club representative applied the {$14000.00} to Loan Number Two, not Loan Number One as I had authorized. 

7. When I discovered the Lending Club representative 's error a day or XXXXwo later ( after logging into my Lending Club Portal ), I called Lending Club. They researched my call with that representative to verify their representative made a mistake. After doing so and finding their representative made a mistake, they said it would take 5 - 7 business days to get a refund to me. 

8. On XX/XX/XXXX, I received a {$160.00} refund from Lending Club. I should have received a refund for the entire origination fee of {$840.00}. 

9. On XX/XX/XXXX, I contacted Lending Club to inform them that I did not receive a full refund for my {$840.00} origination fee for Loan Number Two. They informed me that I received {$160.00}, and that was my refund. 

10. I believe I am entitled to a refund of my entire origination fee of {$840.00} because their representative made a mistake and took money from my linked account and applied it to the Loan Number Two without my authorization. Therefore, I did not get to use the funds for Loan Number Two for the purpose intended because Lending Club 's representative made a mistake. I should not have to pay an origination fee for their representative 's error of applying the funds to the wrong account and be out {$680.00} ( {$840.00} minus their {$160.00} refund ).
Product: Debt collection

On XXXX XXXX I was contacted by Portfolio Recovery Services on behalf of an alleged debt of {$450.00}. According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my love of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and reputation.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRADULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX  CFPB XXXX XXXX
Product: Debt collection

I lost my purse with all of my personal items including my phone in the XXXX XXXX XXXX shortly after I started receiving calls and emails about accounts and payments that are not mine. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.