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

My account with the company and i was never late! I have had exceptional payment history with this company 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!

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.

This company 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: Debt collection

I am filing a complaint for a debt collection agency. This agency is Focus Receivables Management XXXX XXXX XXXX. XXXX XXXX. XXXX, GA XXXX. XXXX This company has never attempted to contact me regarding any debt via phone, email, or mail. They reported this debt from a previous cable company from years ago as a collection on my credit report to all XXXX credit bureaus. I have since paid XXXX what was owed to them and this " collection '' remains on my credit report. I sent this debt collector a letter to have this removed from credit report as I was never notified of any debt owed prior to the report on my credit. This has had a detrimental effect on my credit score. 
Please accept this as a complaint against this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # XXXX ..., 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
Product: Payday loan

This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of numerous attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Mortgage

I was a home buyer that entered into a contract to purchase a home. The contract included an earnest money deposit of {$5000.00}, and was contingent on financing. I was a small business owner and worked with Network Capital ( NC ) because they told me that the age of my business would not be a problem. After I discussed my business with XXXX of NC I sent a follow-up email on XX/XX/2015 that confirmed the conversation. 

The lender proceeded to charge me for an appraisal fee of {$410.00} and in addition I paid for a home inspection fee of {$470.00} and surveying fee. The lender did not share that there were any issues with the loan until the day of closing, XX/XX/XXXX. NC surprisingly denied the loan on the day of closing because I was a small business owner and the bank was not comfortable with the age of my business ( about 1.8 years old at the time ). I also wish to add that I had excellent credit, 20 % down and no debt. I complained to the lender because the age of my company was not new information, and they even pre-approved the loan knowing this information. NC reviewed my application again and denied the loan a second time for the same reason. 

I have spent the last year pursing the sellers for my earnest money, which I did get back after a trial.
Product: Credit card or prepaid card

My identity was stolen and credit cards were taken out in my name from navy Federal and wells fargo. A XXXX account was opened in my name and someone tried to open a new checking account through my existing XXXX  XXXX XXXX account. The navy Federal card was used. This has effected my credit score. Multiple hard inquiries were done on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.
Product: Consumer Loan

to help clear this matter I am prepared to offer XXXX % of the total O/S balances. In exchange for re-inserting auto loan, credit card accounts and remove the consumer loan from all credit reporting. I AM SEEKING REFNDS FRON XXXX XXXX AND XXXX XXXX DIRECTLY. THOSE ARE FRAUDULENT IN NATURE AND ALSO HAVE Please send me agreements.
Product: Credit card

I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.
Product: Consumer Loan

I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!
Product: Checking or savings account

Hi, On XX/XX/2021 we opened an Interest Checking account with Citibank and deposit {$53000.00} to the account expecting we would receive {$700.00}. As of today, after the account was opened for more 6 months, we haven't received the promised {$700.00} yet. We called the company 4 times and were on hold for no less than 15 minutes each time but we still have not received a reasonable answer. On our first call, we received the confirmation that the amount would be credited to the account on XX/XX/2021. 
On the 2nd call, XX/XX/2021, the customer service representative promised the issue would be resolved within 5 business days. We received a letter saying the case was under review as the result. 
On the XXXX XXXX, the representative let the call go in silence for a long time, so we had to hang up without the answer. We received a letter informing us that the time frame for the promotion was from XX/XX/2021 to XX/XX/2021 and the account wasn't opened during the period. The fact is the account was opened on XX/XX/2021 and the {$53000.00} deposit was on the account on XX/XX/2021. 
On the XXXX call, XX/XX/2021, the representative XXXX told us that the promotion condition was opening a checking and a saving account at the same time which is not mentioned in the promotion post. 
Best regards,
Product: Debt collection

This company has done a credit check on me. I need to know why- was an application received for some sort of service? Through another party? Or do they have an account for me that I need to know about? I have been a victim of ID Theft and need to confirm what this is for. They do not answer any calls or return emails, I have been trying for over a week.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Regarding Venmo Account Suspension and Unresolved ID Verification Dear Consumer Finance Complaints Department, I am writing to urgently address a severe concern regarding the suspension of my Venmo account, XXXX XXXX. Despite complying with Venmo 's request for ID verification, my account remains suspended, and I have yet to receive a clear explanation for this action. 

On XX/XX/, my account was suspended without warning, disrupting my access to funds and vital financial transactions. In an effort to resolve this matter, I promptly provided Venmo with the requested identification documentation. However, despite this compliance, my account remains suspended, and communication from Venmo has been insufficient in providing a resolution or clarification. 

I am deeply troubled by the lack of responsiveness and transparency in this process, as I have willingly cooperated with Venmo 's verification procedures. A fair resolution to this issue requires the immediate unsuspension of my account and a clear explanation of the circumstances surrounding the suspension. Additionally, any missing funds or discrepancies resulting from this suspension must be promptly rectified. 

I appreciate your attention to this matter and kindly request your intervention to ensure a swift and just resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to address a pressing issue concerning my recent credit report. Despite my efforts, unauthorized credit inquiries persist, indicating a potential compromise of my credit under your bureau 's watch. Even after attaching FTC report # XXXX these inquiries remain unaddressed. I have previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This compliant addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year>. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This compliant serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my final warning. Please remove the inquiries resulting from erroneous credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised company.
Product: Debt collection

I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.
Product: Debt collection

This company sent a letter stating I owed money. I responded advising I'm not familiar with the debt. I requested details and explanations. I am familiar with their client as I did use them in the past, and we parted ways. I officially disputed this in writing. a phone call from them was useless, they did not care to listen or respond to my verbal request. 

I sent 3 letters in response to theirs, the last one certified, and they still refused to answer. 

There is now a derogatory report on my credit, all unproven, unexplained, and without any due process. 

It seems like a crime to me for a collection company to be able to attach my credit with a negative remark, all unproven.
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 Account name Account Number Last XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. 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 15 USC 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 XXXX years. 

15 USC 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

I want reported accounts to be removed I was not provided any proof or documentation that XXXX and Equifax used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore Equifaxs actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file XXXX XXXX XXXX ) taking action against them for similiar practices. I request that CFPB take action to ensure Equifax complies with federal laws and provides consumers with necessary proof. Accounts in question are. XXXX XXXX XXXX {$740.00} XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

file a dispute about incorrect items on my credit report and its been over 30 days with no response
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681.

XXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report from Experian and identified discrepancies in the following account, which I believe to be inaccurate. These errors are adversely impacting my ability to secure credit, and I respectfully request an investigation into this matter per my rights under the Fair Credit Reporting Act ( FCRA ). 
Account in Question : * Creditor Name : XXXX XXXX XXXX XXXX  * Account Number : XXXX Upon review, I noticed the following inaccuracies : repeated charge off status repeatedly reporting C/O every month reaging the account is illegal. We can not say this account is of 100 % accurate so it is deemed inaccurate. Please delete this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX XXXX XXXX-Date of inquiry XX/XX/2021
Product: Checking or savings account

In XXXX and in XXXX of 2024 I discovered cash withdraws from a non T.D ATM within an hour after I made a withdrawal in my home city of XXXX, XXXX 
I contacted T.D Bank, they told me they will refund me my funds and I needed to get a new debit card which I have done. 
I noticed 20 days later the funds were still not in my account. 
According to the operator when I called T.D they said their investigators said my cards chip was used in XXXX XXXX so it had to be me. 
I can not be in two places at once so this was not me, so their denying my funds until I make a police report in which I have done but no funds.