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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


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: Checking or savings account

On XX/XX/ at XXXX I was charged {$1300.00} from a hotel and another attempted charges of {$900.00}. I contacted Chime and informed them, canceled the card and reached out to the hotel about the situation. There was no reservation with my name and they acknowledged it as fraud immediately. I forwarded the email from the manager at the hotel to Chime where it states to request the charge back and they will approve it. I was informed a few days later from Chime they were waiting on a response from the hotel. I called the hotel and was informed nobody other than myself has contacted them about it. My claim was shortly denied after that. I reopened the dispute sending the email again as well as my timeline from XXXXXXXX XXXX showing me at a bar XXXX XXXX away from the hotel from XXXXXXXX XXXX til XXXX XXXX  They are still giving me the same excuse and denied it yet again. I have spent everyday on the phone with Chime and did all the work for them yet get nothing but headache in return. They refuse to even give me credit so I can pay my rent and phone bill.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Incorrect Name - XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect DOB - XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The personal data reporting is inaccurate My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only date of birth is XX/XX/year> My only employer is NONE AT THE MOMENT
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Mortgage

I was working with a law firm for a modification on my home. This started XX/XX/2015.my trial period was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which the payments were made. I was supposed to receive my finalized paperwork which I have not received. XX/XX/XXXX I noticed my mortgage statements were showing in arrears of {$10000.00}. I contacted the law firm and they submitted everything that was needed and this was finalized, so we thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$640.00}, XXXX XXXX  bankruptcy Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with accounts and inquiries I did not authorize
Product: Debt collection

XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.
Product: Credit card or prepaid card

XXXX Hard Inquires Alert on XX/XX/22 my credit report was requested for a Comenity Bank/Sony/XXXX XXXX XXXX XXXX a credit card I did not apply for. This is a HIGH alert and remains on my credit for 2 years. I called XXXX and they reported to their fraud department, inquiry to be removed in 24 to 72hrs. XXXX Rep suggested I report to you FTC.
Product: Debt collection

Midwest Recovery Systems, LLC has placed a collection account on all three of my credit reports, and reported to all three credit reporting agencies, XXXX, XXXX, and XXXX, about a debt that I do not owe to them, nor did I ever receive any written documentation about this alleged debt. This does not allow me the opportunity to dispute the validity of the debt. This company is in violation of the The Fair Debt Collection Practices Act ( FDCPA ) in its practices. 

By reporting an alleged debt that was never validated or confirmed to credit reporting bureaus, this has caused my credit score to plummet significantly. I feel this is illegal and also tactical on their part to manipulate consumers to pay on debt without going through the proper procedures as mandated by the FDCPA. I also question if this company is licensed to collect debt in my state and if they are trying to collect on alleged or phantom debt, which may go beyond statute of limitations by state. I question the legality of what this company is doing to collect on unverified and unsubstantiated debt.
Product: Debt collection

I am disputing a collection account from IQ Data International , Inc., related to my former residence at XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This account is inaccurate for several reasons : Court Agreement : Per a court stipulation dated XX/XX/year>, all monetary demands in the original complaint were settled and waived. The agreement explicitly states that monetary claims were resolved and reserved for potential future suits, which were not pursued. The collection violates this agreement. 

Debt Validation : I have requested debt validation from IQ Data on XXXX separate occasions. Despite their assurances on recorded phone calls, I have not received any documentation to substantiate their claims. 

Misreporting Delinquency Date : The reported First Date of Delinquency is XX/XX/year>. However, my move-out date was XX/XX/year>, per the court order. Reporting delinquency before the move-out date is factually incorrect. 

XXXX XXXX XXXX : This was a joint lease agreement, but the collection account has been reported under my name alone as an individual debt. This misclassification prevents the other leaseholder from being held equally accountable. 

Failure to Provide Final Bill : No final billing statement, debt validation or itemized breakdown of charges has been provided, violating XXXX Civil Code Section XXXX. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure IQ Data International ceases all reporting to credit bureaus and removes the inaccurate collection account from my report.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and Exeter Finance LLC regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to Exeter Finance LLC under their name. However, I want to make it abundantly clear that I have no active accounts open with Exeter Finance LLC, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. 

The actions of XXXX XXXX XXXX XXXX and Exeter Finance LLC have flagrantly violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. 

I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted navient that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for XXXX XXXX, i requested the original promissory note from navient which they were never able to provide the original, they sent me a copy that looked doctored,
Product: Credit card or prepaid card

XXXX opened a CapitalOne account in my name without my express consent, and did not link it to my store account. Apparently they did this in XX/XX/XXXX. The old account was still linked and showed a XXXX balance and XXXX payment due when I went to check it in XXXX, leading me to believe that I was current and had no balance. I continued as normal thinking all was good, tried to log in later as routine and the old account was down, thought it was just a glitch, and didn't follow up because in my mind I had XXXX payment due. Since CapitalOne sends so much predatory lending junk mail, these all end up on the burn pile. I was unaware that a CapitalOne account was opened in my name and the balance transferred. InXX/XX/XXXX, I went to make a purchase with XXXX and it was declined. That is when I discovered that there was a new XXXX account and card and it took me a couple hours to get it linked up. I spoke with someone, either XXXX or CapitalOne, but my memory on this is vague, it was the day after XXXX, but I made the payment to pay the full balance and left with the impression that the late fees would be removed and my account was in good standing. In XX/XX/XXXX I discovered they did not do this and are reporting me late to the credit bureaus. Have called XXXX about this and their customer service says they have no visibility or ability to remove these fees, otherwise they would. Everyone at XXXX says they are sorry, but their system doesn't let them do that. CapitalOne says their system won't let them do it either, that they have no 'options ' available to them. Each points the blame at the other, but one agent at CapitalOne admitted that CapitalOne does have the ability to do so, but then the supervisor said they didn't have any 'options ' again.
Product: Mortgage

Ocwen declined us for a loan modification in XX/XX/2018. In XXXX we moved out of our house due to the fact the loan adjusted to a higher payment and we could not afford the mortgage. We also owe more than it is worth. In XXXX we put our home on the market for sale. We have had many showings, and submitted an offer for short sale. For the past 3 weeks we have tried to submit the offer with our Realtor for short sale. Ocwen has refused to give us a straight answer and will not place our offer in review for short sale, or order an appraisal to begin the process. We do not want to drag this short sale process out and have our credit destroyed. Ocwen is being dishonest and doing everything they can to create a foreclosure. When we were declined for a modification Ocwen told us we were qualified for a short sale to avoid foreclosure, now Ocwen is lying and being very dysfunctional.
Product: Debt collection

We have received a couple of letters from Synter Resource Group, LLC stating that our business has an account with XXXX that has been placed with the agency for collection. We do not and have never had an account with UPS. We just received a very harassing phone call from Synter Resouce Group, LLC about the same matter. We advised them of this on the phone call and the agent on the phone would not accept that this was fraudulent. The agent insisted we give them an email address to send additional documents to, which we refused. We would like Synter Resource Group, LLC to no longer have any of our contact information and no longer harass us regarding an obviously fraudulent matter.
Product: Debt collection

I called Affirm and asked them to send a statement of the account that they are demanding payment on, and Affirm refused to send me a statement. The first representative simply hung up on me. The second representative refused to provide any information at all. I asked him ( his name was XXXX XXXX to connect me to a supervisor. He connected me to a young woman named XXXX who I could barely understand as she spoke with a heavy accent and spoke very quickly. She explicitly refused to send me a statement in the mail, but said that she could send me the information in email. I asked her to please send that. I held on the line twice while she said she was preparing the email. She sent me an email that said " Please log in to your account '' and had a button to log in to the account. I told her truthfully that I can not log in to the account, and I told her that I needed a statement that would give me an account number, the original balance, the amounts paid thus far, and the remaining balance. She said that they do not use statements. She did describe a " loan letter '' and provided verbal information about this, but she refused to send the information in email, as well as refusing to send it in the US mail. I asked her where she was located and she said in XXXX XXXX. I asked her to transfer me to someone in the United States, because they would understand that the law requires them to send a statement. She told me that they do not have people in the United States. I read her a statement from their website that states they are located in the United States. I told her that I needed the phone number for their office in the United States because that person would understand that I am legally entitled to receive a statement from them, and she told me again that they " do not have anyone in the United States. '' She was willing to give me the information verbally, but not in any way in writing. I told her that I still need the information in writing and will be making a complaint. This conversation ended at XXXX XXXX Eastern Time on XXXX XXXX, 2024.
Product: Mortgage

I'm a licensed XXXX XXXX XXXX in Michigan. My client sold her home and the title company requested a payoff for a closing date of XX/XX/23. On XX/XX/23, the title company received the payoff amount due for XX/XX/23. It's been one week since we closed on her property and we received an email from The Money Source stating that she owed an additional {$930.00} because the loan was entering foreclosure on XX/XX/23 and includes additional fees and costs from the attorney. The email states the payoff amount they sent the title company was correct for the closing date of XX/XX/23. 

If they do not receive the additional {$930.00} by tomorrow ( XX/XX/23 ), they will return the original payoff amount and send a new updated payoff request which will include other fees and costs. 

I feel that this is a very bad business practice. Once the payoff amount is sent from the mortgage company, that should be what the payoff is. Additional fees should not be added. I'm attaching the payoff amount from the mortgage company for the date of closing, as well as correspondence. Thank you for looking into this.
Product: Vehicle loan or lease

On XX/XX/XXXX of 2019, I purchased a XXXX XXXX 2019 at the XXXX XXXX in XXXX, Texas. While the buying experience was pleasant, I did feel somewhat under pressure to purchase. I visited the location just me and my daughter. After the purchase, I felt like I had gotten a bad deal regards the monthly payment and considering that I have zero upgrades in the car but rather the base model of the XXXX line. This was the first time that I purchased a new car on my own and I lack somewhat of knowledge in that area. I was made aware by a friend recently that I had gotten a bad deal for a leased car with no upgrades and the car had 300 miles on it when I received it. My monthly payment is XXXX USD for 48 months. Furthermore, I have to pay for maintenance, I had to pay XXXX dollars to have my tires rotated. 

My current Payoff quote amount is : Residual Value : XXXX XXXX Remaining Future Payments : XXXX USD Lease Charge Rebate : - XXXX USD Buyout Amount : XXXX USD
Product: Credit reporting or other personal consumer reports

1st hard inquiry was from XXXX back in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd hard inquiry was in XX/XX/XXXX BARCLAYS BANK BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. USCB 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 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Checking or savings account

I currently bank with Chime, and on Wednesday XX/XX/XXXX at XXXX XXXX  in XXXX XXXX, United States I was charged for a XXXX XXXX  cell phone costing XXXX XXXX 
I currently live in XXXX, and I have never been to XXXX. I do not have any account with XXXX. I have contacted chime and my claim dispute # XXXX. I have contacted XXXX and they can not provide me with any information unless I go to the store in XXXX, and provide them with my card that was stolen. Both parties are refusing to provide any responsibility for this fraudulent charge.