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

My account with XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the debt referenced in your communications under the Fair Debt Collection Practices Act ( FDCPA ). I hereby assert my rights under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) to challenge and request verification of the alleged debt and to direct your firm to cease any further communication with me until proper validation is provided Pursuant to 15 U.S. Code 1692 ( g ), I request that you provide me with written verification of the alleged debt, including but not limited to 1. The original creditors name and address.

2. The full amount of the alleged debt, including a breakdown of any fees, interest, or other charges.

3. A copy of any agreement bearing my signature, which you assert gives rise to the debt.

4. Documentation demonstrating that XXXX XXXX XXXX has the legal right to collect this debt Additionally, under 15 U.S. Code 1692 ( c ), I demand that you cease all communication with me regarding this matter unless it is to provide the requested validation information. Any further communication outside of this request may be considered harassment and a violation of federal law Please treat this letter as my formal dispute of the debt and a request to remove any erroneous or unverified information from my credit report. I expect a written response from your office within 30 days of receipt of this letter, as is my right under the FDCPA Furthermore, if this debt is found to be inaccurate or unverifiable, I insist on its immediate removal from my credit history and that you inform all relevant credit reporting agencies of this correction I trust that XXXX XXXX XXXX will adhere to the legal obligations set forth by the FDCPA to ensure all consumers are treated fairly and respectfully Thank you for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

Made a XXXX payment thinking it would cover 3 months, now they say it only covered one month. No provision to defer payments to cover their mistakes. Now going to report account 30 days late to compound the situation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX AV XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Late/Open Accounts : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} CITI XXXX Date Opened : XX/XX/XXXX Balance : {$63.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes on EVERY 30 DAYS for 12 months and this company have not send me any mail or dispute results to my home address, complete ignore my disputes, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2015 {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Product: Checking or savings account

5/3 bank is repeatedly finding ways to overcharge its customers with excessive bank fees. 
On XX/XX/XXXX I had a positive balance of {$19.00}. We made several online movies purchases and went slightly over by - {$6.00}. The 5/3rd bank is overdraft charging my account in the amount of {$140.00}. " see the attached document ''
Product: Debt collection

My balance was paid in full On XX/XX/2021. My confirmation number is XXXX. I paid a total of {$1200.00} which was a 20 % discount for paying in full. I have contacted Medicredit with no help. I have also disputed this with you guys with no help.
Product: Checking or savings account

I recently cashed a check for my sister which ended up bouncing causing my account to go negative after I already gave her the funds. I deposited money, well enough to pay back the negative funds and then bank of the west locks my account. I call and they tell me to go to a branch and the branch says I need to call. So now I'm stuck with my money in a bank that apparently doesn't know what to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Ileaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this issue.
Product: Debt collection

Bank of America is trying to Foreclosure on me with fraudulent documents that they knew were fraudulent when they sent them to the lawyer to send the Notice of Default letter. This fraud has been going on for years and they are just continuing the Fraud on a daily basis. They were involved with Countrywide Home Loans before they filed for Bankruptcy because they loaned them money and were just trying to recover their investment and then continued the Fraud that was started by Countrywide to start with. I have enclosed documents that prove without a doubt that this debt is fraudulent because the Lender listed on the NOTE and DEED OF TRUST are fraudulent because they are fictitious and were not licensed as a Mortgage lender in the State of North Carolina where the loan was originated. Since the Lender is fraudulent and does not exist they have no Legal claim to collect on this debt. I have also enclosed a document that gives the details on how this fraud started and the methods that were used to continue it to this day. I have also enclosed two copies of the NOTE on this debt one with a Stamp stating the Lender is fictitious and is signed by a Countrywide Home Loans employee and a second copy of the same NOTE whereby the Stamp has been fraudulently removed either by a Countrywide Home Loan employee or by a Bank of America employee. I request and demand that all collection activity on this debt by Bank of America or any third party that they have employed to collect on this debt cease and desist upon receipt of this complaint and the proof of fraud detailed on the enclosed documents. I ask that they notify me in writing that the Foreclosure sale has been cancelled and dismissed because the documents they are using to collect on this debt are fraudlent and they do not have any legal authority to collect on this debt. I further request that any further collection on this debt by any party be considered a violation of the Fair Debt Collections Practices Act of 1977 and be dealt with according to what the above law states.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous investigation was filed for an inquiry on XX/XX/2020 from XXXX XXXX  XXXX. 

The results of the investigation revealed that the inquiry was deleted from the credit report. 

However, the XXXX XXXX  XXXX inquiry from XX/XX/2020 is still reporting.
Product: Credit reporting or other personal consumer reports

Dear JPMCB, I am writing to address a concerning matter regarding an inquiry reported by JPMCB, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for JPMCB to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying JPMCB to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that JPMCB neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to JPMCB. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached student loan have all been consolidated and for some reason, Equifax is the only bureau that did not update my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following acct # s have 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 instructionsXX/XX/XXXX Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilization:118 % Date opened:XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date openedXX/XX/XXXX XX/XX/XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date opened:XX/XX/XXXX XX/XX/XXXX Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date openedXXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXXAmount XXXX {$380.00} Status date:XX/XX/XXXX Balance dateXXXX Account designator code :XX/XX/XXXXAccount number : XXXX XXXX XXXX Date reportedXX/XX/XXXX Date assignedXX/XX/XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$22000.00} Status dateXXXX Balance date:05/31/2022 Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$500.00} Status date:XX/XX/XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reportedXXXX Date assigned:XX/XX/XXXX Amount : {$310.00} Status date:XX/XX/XXXXBalance date:XX/XX/XXXXAccount designator code : Individual account Account number : XXXX XXXX
Product: Credit card

A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable.