23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Debt collection

The company Procollect , INC has placed a collection on my Credit Profiles for a lease that I never had. I've never lived in XXXX, MI and they can verify that from my credit reports and my driver 's license that is registered in XXXX, MI. I've tried repeatedly to get these people to send me proof and evidence of my debt but they refuse to send me anything and refuse to settle or remove this so called obligation. I do not owe this amount period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global lending services has agreed to remove an unauthorized inquiry from my credit report several times since the incident occurred. THIS IS A HUGE PROBLEM, they are untrustworthy and still have not gotten it removed over a year later. Ive attached a copy of their response to my XX/XX/14 CFPB complaint and a copy of my credit inquiries as evidence to their dishonesty. I have never done business with them nor did i authorize them to run a credit inquiry and this is BEYOND UNACCEPTABLE
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 my account 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: Debt collection

I submitted an email on XX/XX/year> for my membership with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to be canceled. This request was sent to XXXX ; this was the email address that I was directed to send to when I contacted the gym over the phone. I also contacted the gym over the phone after this point and they said that they received my email and would make a note in my account. I received an email a month later stating that I still owed money, and I disconnected my credit card information from the site as they were still attempting to charge my card. 

Today, I received an email from a debt collection agency ( Aldous XXXX ) informing me that they were making an attempt to collect {$190.00} from unpaid membership fees with this location. I have already paid all my monthly fees before this point, and I did not use the gym after I submitted my cancelation request.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the XXXX filed for the charged-off debt. XXXX XXXX  XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report Bank XXXX XXXX XXXX XXXX IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX OF XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX As per IRS regulations, a XXXX debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Vehicle loan or lease

I previously had a Harley from the dealership back in XXXX of XXXX. I sold it back to Harley Davidson in XXXX of XXXX. I gave them {$7100.00} and they bought it back for {$20000.00}. I have the bill of sale and the statement. Just wont go off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Mortgage

I had a fire in XX/XX/XXXX. My insurance company sent me the check to fix the damage in XX/XX/XXXX. I mailed the check to the mortgage company Lakeview Loancare in XX/XX/XXXX. 

It is XX/XX/XXXX and the mortgage company refuses to release my funds to my contractors. 

They also refuse to put in writing what is necessary for me to do to have those funds released. They refuse to email me what needs to be done to release the funds. When I call them they place me on hold and then hang up the phone. I have asked to speak to a manager and the person says no and hangs up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.o. box XXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unsuccessful attempts to remove fraudulent items from my credit file. This marks the second attempt to rectify the inaccuracies, and despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation to substantiate the inaccuracies in my credit report. However, it is disheartening to note that these efforts have not yielded the desired results, and the fraudulent items remain unresolved. 

The persistence of these inaccuracies continues to affect my creditworthiness, making it challenging to secure credit, obtain favorable interest rates, and manage my overall financial well-being. 

I request an immediate and thorough reinvestigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and correct the fraudulent items. 

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows the late payment from credit report on Synchrony Banana republic for XXXX and it shows late payment for XXXX. I sent the payment in time through mail but my mail and I had to resend it.. Please remove that late payment. forXX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have been purchasing products online with the Swiss Colony for many years. 
However, when I logged into my account last month to purchase a new order, I saw a message below. I have not had a line of credit with this company since XXXX so I called them immediately. They claimed that the balance was still due and that I needed to provide proof of payment before they would update their system. I explained to them that I would not have proof from almost 25 years ago and that they could not legally collect the money after 7 years. I was told rudely, that it was on me to provide proof of payment. I pulled my CBR and did not see the amount on it. But, I am concerned that what they are doing is illegal. 

ALERT : Your account is 480 days past due. In order to make your account current, please make a payment of {$34.00} or call our credit department at XXXX. 
XXXX XXXX Account # XXXX Change Account Plan A Credit Status as of XX/XX/XXXX Available Limit {$0.00} Balance {$35.00} Credit Limit {$0.00}
Product: Credit reporting or other personal consumer reports

I have attempted to contact Experian 3 times in the last two days. the hold time is at 30 minutes each time and then im transferred out of country to a customer service rep that barely speaks XXXX. When I ask for a supervisor they say sorry I can not transfer you to a supervisor. I am a victim of identity theft. I received a letter from the small business administration saying that someone took out a Covid relief loan in my name and information. I pay for premium protection from Experian and have not heard anything from them and can not speak to a representative as all Experian does well is advertising and collecting money.
Product: Checking or savings account

I called to file a fraud claim when I received an email that a Navy Federal member was added to my member accounts. Immediately I reached out to Navy Federal because 1. I do not recognize this name & 2. I have never given anyone access to my personal banking. Upon further investigation Navy Federal employees admitted that the person who unlawfully gained access to my account was suspected to be a part of what they called a " fraud ring ''. I have an XXXX XXXX and they informed me that someone with a XXXX XXXX had been logging into my account for about 2 weeks. This person deposited a fraudulent check into my account & watched for the funds and as soon as it was deposited my entire account was wiped clean. The claim was split into 1 parts. I was awarded 1 claim and not the other. Navy Federal is now harassing me over approximately {$5000.00} which I do not have and will not be able to pay. I have requested this person 's information to file a police report and it was ignored. I have requested to see a copy of the check to include in the police report. I have only been told that the investigator who is looking at the second half of this claim insists that I gave out my personal banking information. I have been with Navy Federal without issue for over 5 years. I am completely disappointed in the lack of customer service I have received especially with this being my primary bank I have had to make so many changes that have affected my daily life. This incident is very traumatizing because with all the in person & virtual theft going on to have to fight with your bank for proof in the middle of a pandemic is to much. I have been dealing with this for about 2 months now and I am drained. No one ever gets back to me or answers my questions and quite frankly I would not be too upset closing all of my accounts after the way this situation was handed.
Product: Credit card or prepaid card

Three orders for the amount of {$780.00}, {$390.00} and {$450.00} were purchased on XX/XX/19 with the Macy 's store credit card. The XXXX tracking numbers for the orders, given a month later, are XXXX, XXXX, XXXX. The tracking information says that it was delivered on XXXX, XX/XX/19 at XXXX. I never received the orders and my attempts to file a claim with both XXXX and Macy 's have been rebuffed. I first contacted Macy 's and was informed that I would need to address it with the XXXX XXXX store. I went to the XXXX XXXX store and spoke with the XXXX manager, XXXX, and was told that a claim would need to be initiated by XXXX. I then called XXXX and was told that Macy 's will have to initiate the claim. I am being bounced back and forth by both companies and therefore, I am requesting a fair appeals process.
Product: Mortgage

The mortgage company that I currently have XXXX XXXX XXXX refuses to give me a statement in the mail concerning my loan payments. They state that they do not have to give me the statement in the mail. I have noticed on several occasions that the balance, and monthly statements are not accurate. I have requested 5 times that they start mailing me statements and they refuse. I have also asked them to send me an itemized list of my account concerning all of my payment since they have taken over my loan, and they have not complied.
Product: Debt collection

This company ( Merchants Acceptance Corp. ) keeps reporting a collection account on my credit report without sending any type of validation of this particular account. This collection account shows that it was opened XX/XX/2016 with an amount of {$2500.00}. I have sent multiple dispute letters to credit bureaus and collector to verify account and I have not received anything in return. I'm in the process of buying a house and this account is not allowing me to get a approved for a mortgage. Please remove this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, Experian, XXXX  and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has  clearly stipulated. 

Experian, XXXX  and XXXX  have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE : XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX   XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION XXXX   RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that Experian, XXXX and XXXX went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof Experian, XXXX and XXXX  do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with Experian who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Product: Mortgage

Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.