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

My account with SANTANDER 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 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 those 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. 

SANTANDER 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 or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the companies transunion and XXXX  are showing my adverse information without my consent, harming me for the acquisition of services or goods
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage in 2007 with a subprime lender named XXXX XXXX XXXX. 
My loan was in the amount of {$75000.00}. It's is now 14 years later and only {$5000.00} has been applied to the principle. I had two loan modifications and never missed a payment that wasn't made up. I am current today. I asked for the amortization schedule because I have never received one. I was told by the loan servicing company that there was none in my file. What caught my attention is that I noticed that the princple payment is smaller than it was in 2007. I asked the company how my payments were being applied and what determined the payment applications and they said that the payments were being applied according to the amortization schedule that they don't have.
Product: Debt collection

I recently refinanced my house through XXXX XXXX  ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance. 

The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them. 

ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX  contract or not. 

I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L. 

ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX
Product: Debt collection

Jefferson Capital LLC added a collection on my credit reports without my knowledge and in doing so on XX/XX/2021. This collection violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Debt collection

XXXX XXXX XXXX XXXX has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX credit report. 

After sending XXXX XXXX XXXX XXXX a cease and desist letter because the company could not fully and completely verify an account under the name HSBC Bank original creditor. 

I have no knowledge of this account. And XXXX XXXX XXXX XXXX  has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

In XXXX XXXX, I closed an account held with Barclays Bank, XXXX XXXX XXXX and paid it in full in the amount of {$1200.00}, in order to open another account with the same company that had better rewards benefits. This was done on the recommendation of a XXXX employee. Barclays later misapplied the payment to the new account, leaving a balance on the old account. The payment was transferred between accounts numerous times. In XXXX XXXX, the transfer by XXXX also created a charge in one of the accounts -- it was taken into a debt status rather than simply being returned to a XXXX balance. I paid for all purchases on both accounts. I have provided proof of these payments to Barclays not once, but twice. But, the payment of {$1200.00} is not being credited correctly, and each month interest charges and late fees accrued on both accounts. The balance is now some {$22.00} on one account and over {$1400.00} in the other. I owe the credit card company no money. Over the course of these transfers, I have at least nine times complained to customer service representatives and in writing to Payment Research. They send back form letters that the complaint is resolved, yet all that has happened is the payment has been moved to the other account and the false charge placed on the account by Barclays in XXXX has not been removed. I have excellent credit and do not want this event to negatively impact it at all. Barclays has placed an impossible burden on me to resolve a mistake it introduced. Please help.
Product: Payday loan, title loan, or personal loan

I paid this company off they would not give me a pay off amount so I had to pay more than what was due they told I over paid and I would be getting a refund of {$290.00} but I would have to wait 30 days for the check to clear and the would ACH the refund back into my account that did not happen now they are saying that they are having issues with that process and will be mailing me a check and I will need to wait 7 to 10 days more so now they are hold my money for 45 days and not paying me anything for the use of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this organization and I was told by a representative XXXX and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Product: Credit reporting or other personal consumer reports

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX years. 

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

This is not a duplicate!!!! 


My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. This is a follow up to cfpb complaint # XXXX XXXX making this complaint against RPM for committing identity theft. I have never given RPM any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RPM can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RPM continues its collection efforts, I will file for litigation for actual damages caused and RPM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required. RPM states I am in receipt of and have reviewed the complaint filed by XXXX XXXX against Receivables Performance Management , LLC ( RPM ). XXXX XXXX disputes a debt RPM has attempted to collect on behalf of XXXX  and requests removal from her tradeline. After review of our file and contacting our client, I offer the following response on behalf of RPM. XXXX listed XXXX XXXX account XXXX RPM for collection on XX/XX/XXXX. On XX/XX/XXXX, RPM sent XXXX XXXX a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act ( FDCPA ). RPM spoke to XXXX XXXX on XX/XX/XXXX, however, were unable to resolve the balance. Upon receipt of the complaint, RPM contacted XXXX who advised there was significant usage on the account until XX/XX/XXXX. The past due balance of {$780.00} consist of past due service charges ( {$200.00} ), equipment charges ( {$420.00} ), Assurant charges ( {$57.00} ), late fee ( {$28.00} ), and a collection fee of ( {$73.00} ). The last payment received on the account was for {$270.00} on XX/XX/XXXX. It is XXXX position that the balance is owed. RPM will cease further attempts to contact XXXX XXXX ; however, she may contact our office to resolve the obligation. If you have questions, or if RPM may be of further assistance to XXXX XXXX, please contact me at XXXX XXXX XXXX If RPM states they will cease communication which is indirectly or directly through all mediums that means also through my credit report.
Product: Credit reporting or other personal consumer reports

Due to the holiday season and trying to pay for my sons college tuition I could not afford to make my mortgage payment at the beginning of the month when it was due. I already knew that as long as I don't go past 30 days and cause a lapse in payment it could not affect my credit score or go on my credit. I went to go make the payment at the end of the month when I could afford it and to prevent a lapse, however I was unable to access my account due to the lender having closed down the website for maintenance for 2 days in a row. The lender did not send out any information in advance letting consumers know that the website would be down, and we would not be able to access any account information and make any payments or that this was going to happen which would have prevented me from making this payment at the last minute. I was unable to gain access to my account due to their negligence. The lender reported my payment of being late when they are the reason I couldn't gain access to my account. If I had known of this situation in advance It would have never occurred.
Product: Debt collection

Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Product: Debt collection

I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I visited XXXX XXXX in XXXX XXXXXXXX XXXX Carolina, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) one time ; they ran my credit eight ( 8 ) times. The additional seven were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries.

This company is one of the many where XXXX XXXX sent an unauthorized inquiry.
Product: Debt collection

I am writing to formally dispute the accuracy of information reported on my credit report concerning an account with the following details : Account Name : Caine & Weiner Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$640.00} past due as of XX/XX/XXXX Balance : {$640.00} Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that the information reported is accurate and complete. The name associated with this account is incorrect and the debt does not belong to me. I've disputed this entry on my credit report unsuccessfully many times. 

I have previously contacted Caine & Weiner regarding this matter, but they have been uncooperative. As a result, I am requesting your assistance in correcting this inaccurate information. I would appreciate your prompt investigation into this matter. 

Please let me know if you require any additional information to assist with my dispute. I look forward to your response. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
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 XXXXXXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.