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

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Checking or savings account

Since the fiscal year 2022 started on XX/XX/2022. Capital One Bank has taken in NSF {$1700.00} and Overdraft fees {$2700.00}. 

It's over {$4000.00} dollars in fees Capital One has taken in just fees in a matter of 4 full months. 
I had shared my disagreements with the bank in the past but they just fix one day of fees and Saud they coudnt help much over the phone. 
As a small business owner with no support from absolutely no banking or any other entity support I've been trying to. Survive and make ends meet for about 3 years now, when I had asked for Capital One for a small business loan, or PPP or any type or grant I was denied and their response was that as a business I was not impacted by the Covid19 pandemic. 
Instead of helping a small business as mine, they're sinking me to failure, they did not even offered me a way to stop those indiscriminate fees that are making me fail instead of helping my small business. 

Gracias
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Us Auto and Financing closed down. A month later I started receiving emails stating Westlake is where i need to pay. they sent me a letter stating that i can file dispute on the total amount of my car because it was not the right amount due to us auto. I SENT THE LETTER BACK I DIDNT HEAR ANY THING FOR XXXX MONTHS. I GET XXXX XXXX STATING THAT I OWE {$50.00}. I get another email stating i owe {$1000.00}. I called Westlake portfolio. I explained how I sent the dispute letter in. The representatives told me to wait until the processing was over and he didn't know how long it can take. i asked was my car going to get reprocess he stated to me no. 1 month goes by and my car is reprocessed. they are stating i pay {$2000.00} to get m car back. They agreed to letting me pay / {$1000.00}. ii still haven't gotten my car back!
Product: Checking or savings account

XXXX Bank accounts were requested to be opened with Wells Fargo, XXXX XXXX XXXX XXXX and XXXX. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, I request the removal of unauthorized hard inquiries from my credit report, as these inquiries are damaging my credit.
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX     I had a repair service billed to my credit card for {$310.00}, in which I made a payment on  XXXX  of {$53.00}. I did not see another bill until the end of  XXXX  (  XX/XX/XXXX statement ). I noticed a {$27.00} late fee and did n't understand why. I called  Well Fargo o n   XX/XX/XXXX a bout the bill and was informed that I had a bill (  XXXX   )  prior to the bill I had received. After a few minutes of discussing the missing bill, the  CSR indic ated that she would waived  XXXX  credit  XXXX  the charge as a courtesy on  XXXX  and sent me a copy of the missing bill for my records. Since the payment was {$80.00}, I sent in the differ ence ( {$53.00} )  on  XXXX  to complete paying the amount due. On the next bi ll (  XX/XX/XXXX  ), I now  see a {$37.00} late fee. I am confused again since I have been making multiple payments on my card. So I called again on XX/XX/XXXX  to inquire what was going on and I was told that the credit was not applied against what I had to pay but against the balance. I argued that that was n't what I was told and that in the conversation, the  CSR di d not indicate that I still had to paid {$80.00}. The CSR I was talking with would not remove the charge because they had remove the prior late fee. I asked to talk with a supervisor and while I can not remember whether it occurred in that conversation or whether the supervisor call back, I was able to talk to a supervisor and explain my case, emphasising that if I had received the missing bill, the first late fee would not had occurred AND that I was n't aware and I was n't told that the waived fee would n't count as a payment, I should n't be penalized for the  CSR not being clear and I do n't work at the bank so my understanding of amount be credited to my account and Well Fargo ( seem ) to   be different. The supervisor indicated that the fee would be waived but the credit  may not show up for up to 2 cycl es. I continued to make payments and paid off the amount owed. When I did n't see the problem corrected, I called back on  XXXX  and was back at square  one. I do n't have a problem with the bank making money but not by taking advantage of the customer. This has now seriously affected my credit score and other credit accounts.   <P/> I can see if I was acting in bad faith, but I tried to be proactive in handling issues with my accounts.
Product: Vehicle loan or lease

I applied for a loan with a car dealership. They suggested that I go to Navy Federal Credit Union so that I don't have to put any money down. Everything checks out for an approval. When I went to the credit union today, XX/XX/2023, the credit union said that they would have an answer in 24 hours. One hour later I was denied. It was not because of anything I have on my credit report, or my income, it was completely because of prejudice reasons. I am a XXXX woman asking for a {$86000.00}. I was discriminated against and treated unfairly solely because of who I am. The dealership believed that I should have gotten the loan because everything checked out.
Product: Checking or savings account

The situation actually started with my XXXX XXXX XXXX MC,  whereby I noticed my credit line was reduced from XXXX to {$0.00}. I contacted the call center on XXXX XXXX and the associate told me to contact Fraud on Monday. I called on Monday and Fraud stated they don't handle it. Basically I have had the run around and have called on numerous occasions to find out why my credit card was closed.Nobody could answer my question. They would place me on hold for long periods. I was advised that I would get follow-up calls and only one of the agents actually called me back. Again with no idea as to why my account, which is recently opened was closed. On XX/XX/XXXX, I received two letters from HSBC USA one stated that my credit card was closed ( which I already knew ). and another with my XXXX checking account being closed. There was no specific reason given in the letter. As a result, I called again. The associate and a manager could not tell me the. reason why, I have been on the phone with HSBC USA since I opened my accounts in XXXX ( checking ) and XXXX ( credit card ) for countless hours to verify account information and for them to research my accounts. I haven't had any negative activity on my accounts or reason for my accounts to be closed. I have never had a bank take me through the wringer like this. This has been a nightmare. I feel humiliated that a banking institution would treat a new customer like trash. This is one of the worst customer service experiences I've had.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605 B it is illegal to report anything on my credit report without my permission .according tonUSC 1692 c you have violated my right by in lawful communications .please remove this inaccurate information.Thank you 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 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

Last year, around XXXX, I applied for a forbearance when I was out of work. They did approve me for it, but I was never advised when setting up the forbearance, that I would have to pay all past due payments once the 3 months ended. I was shocked when I saw my statement and they wanted {$15000.00}. 

I was under the assumption that they would be able to apply it to the end of my loan and I would continue making my regular payments. As I have seen done before. 

When I called to complain about it, they just said. " I'm sorry the customer agent didn't tell you. '' Another one said a letter was sent out. 

I have my communications set to receive digitally, and I never received anything. 

I called back and they said they did, then another agent said I was supposed to call and ask for the terms on the forbearance. Finally, on another occasion, someone said it was never sent out and I was supposed to have asked for it. But I wasn't aware I had to. I just assumed everything would pick up like normal and what was missed would go to the end of the loan. 

They tried setting me up on a payment plan and pay {$4000.00} a month, which included regular payment and part of what was past due. I was not able to agree to that because I would have no money left over. 

The other option was for me to do a loan modification, but I would lose my 2.25 % interest rate that I worked hard to get. I don't think this is fair at all, had I known I was to pay back the past due right as soon as forbearance ended, I would have never done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. CONSUMER 'S INFORMATION HAS BEEN IN ALL XXXX BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH XXXX XXXX, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Registration Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act convergent Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXt XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and need to be removed from my credit report immediately, someone has been applying for credit in my name. When I contacted the companies listed below and the three credit bureaus they were unwilling to assist me with getting these fraudulent inquiries removed from my credit report. The following inquiries are fraudulent and need to be removed immediately from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items in question on my credit report are currently part of ongoing litigation due to significant reporting errors. Since these items are in pending litigation, verification of the disputed inaccuracies is not possible at this time. Therefore, in compliance with 15 U.S. Code 1681i ( a ), these items should be promptly deleted from my report. Their continued presence, despite the unresolved litigation, unfairly impacts my credit standing and fails to respect my rights under federal law. Immediate action to remove these items is necessary to ensure the accuracy and fairness of my credit report.
Product: Checking or savings account

my family 's information has been compromised like date of birth ssn and address and phone numbers. we have getting bank cards and credit cards we never applied for.
Product: Debt collection

Debt Validation letter was sent to Paragon Revenue Group on XXXX XXXX and the company never replied to the Debt Validations Letter.. I also submitted letters to Credit Burueas and they stated everything was correct be nothing was never submitted to verify.
Product: Debt collection

I check my credit report and found a report from XXXX XXXX XXXX XXXX, when I contacted them that I am disputing the debt they did not update or send me information about this debt
Product: Credit reporting or other personal consumer reports

Below is the initial complaint, since then the company has sent a complete payment history which proves that the amount left on the loan is what I paid. This loan should have never been charged off and reflecting on my credit worthiness. 

I obtained a vehicle loan for a new car through XXXX XXXX XXXX on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. I pull my credit report XX/XX/XXXX and discover that XXXX XXXX has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, XXXX  months after I made the final payment and had a XXXX balance. I have reached out the XXXX XXXX  as well as XXXX numerous times ( dates listed below ) without response from XXXX XXXX as well as this remaining on my XXXX credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfers

My friend attempted to send a money transfer through XXXX. I went to pick up the transfer and was told he had to contact a compliance number in reference to the transfer. My friend was told that I had gotten too many transfers and they were unable to fulfill the request. He had to pick up the money and the transaction was cancelled. I contacted XXXX and they told me they were unable to provide me with any information about the matter as they were limited. They offered no assistance and would not even state how many transfers it showed for me. I asked for a supervisor and she told me the same thing as the agent. My issue is : I have not gotten any wire transfers through this service. There were XXXX sent this year for me and I was unable to accept either XXXX due to XXXX denying me the ability to do so.
Product: Debt collection

I have received a negative account on my credit reports that I owe this collection agency for a medical bill that I do not owe I have been on XXXX since XXXX  and now that Ive filed for XXXX due to my XXXX will continue to be on XXXX I never received a bill and notice nothing dont even know where the origin is this is either a mess up with the hospital doctor or whoever that they never filed the insurance but every hospital that I visit along with the drs offices that I see numerous times monthly for my XXXX  has my medical insurance information on file and Ive never ever been billed someone has dropped the ball and these XXXX XXXX  collection agencies are there to destroy peoples credit because the original debtor is nowhere reported I will be uploading a copy of my new insurance card with my XXXX XXXX they can run it all day long if need be but Ive never had any XXXX  XXXX  and not had XXXX