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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports.
Product: Debt collection

I've received aggressive collection attempts from CREDIT CONTROL SERVICES , INC regarding a debt for insurance premiums owed to Progressive. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. '' SUPPORTING DOCUMENT ARE ATTACHED
Product: Debt collection

On XX/XX/XXXX, I received a letter/statement from Truist Bank , alleging it was servicing an account of which I have no knowledge of, attempting to collect an " Overdrawn Balance '' of {$110.00}. The account number referenced in the letter from Truist Bank is # XXXX. Truist Bank apparently operates out of XXXXXXXX XXXX XXXX. I am a resident of the state of XXXX and have never lived in, banked in, or contracted with any company for credit or services within the state of XXXX XXXX. An attempt was made to steal my identity, along with my wife 's identity, in XXXX, involving BB & T Banking. In that matter, the XXXX XXXX, XXXX Sheriff 's Department made an incident report, and that bank closed XXXX ( XXXX ) accounts that were fraudulently opened under our names thru Internet Banking services BB & T provides.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX. 

Please investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. 

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

XXXX Collections -- account reported without proper validation of debt. 



Violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with XXXX in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to XXXX deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES Act suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXX XXXX own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by Great Lakes complain of their damaged credit caused by no fault of their own. Following borrower complaints, Great Lakes has publicly acknowledged its error. 

Great Lakes is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands Great Lakes immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, XXXX, XXXX and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article https : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on XXXX, XXXX, AND GREAT LAKES! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was  designed for. It is supposed to help not DAMAGE!
Product: Payday loan, title loan, or personal loan

I have a 10 year HELOC with Chase that expired yesterday ( XXXX XXXX, 2023 ). I have a letter from Chase stating that my last draw on the HELOC is XXXX XXXX, 2023 and yesterday ( XXXX ) I tried using the website, made phone calls to Chase and tried depositing a check from the HELOC into my Chase account, all to no avail. No one at Chase would help me nor the online check deposit would not go through. Now ( today ) the HELOC is closed and I can not draw from it. My last day was said to be yesterday to draw from the HELOC. This is misleading and I needed the last draw of {$5000.00} from the HELOC to go through for payment of bills, etc. Help me here, please. I waited to my last day as stated on the letter from Chase and they would not let me draw from it. I did this to obviate the high interest of almost 9 %. I tried reaching out to them this morning and they said sorry can not help me with no explanation as to why they mislead me!
Product: Bank account or service

On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my fee.
Product: Credit reporting or other personal consumer reports

did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion is recently sent over a complaint telling in writing that there we 're several errors on my credit report. You responded and said theirs not any inquiries on my credit report but I second that. I looked over the credit report today only to notice that these inquiries remained on my credit report. It clearly shows the unprofessionalism on your companies part. This is my third attempt contacting TransUnion by certified mail months ago, also by send a complaint. If this issue is n't resolved in 30days I will be contacting my lawyer to take a civil approach for the damage you 've caused, also with breaking several laws in the FCRA. I sent documents with a police report, certified documents, THE COMPANIES LISTED BELOW : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Accounts : 1.  XXXX XXXX 2. XXXX XXXX
Product: Debt collection

Greetings, I  XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XX/XX/XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XX/XX/XXXXRecorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. Which was not upheld.
Product: Debt collection

Ally Financial continues to call my cell phone. I have not business with Ally Financial at all. I have been receiving calls from Ally Financial on my cell phone for at least 6-12 months, but most recently the call volumes have increased to the point of being very disruptive and frustrating. Since the beginning of XXXX I have documented 16 calls and have called Ally Financial 3 separate times ( XXXX at XXXX CT, XX/XX/XXXX at XXXX CT, and XX/XX/XXXX at XXXX CT ) asking to remove my number, as I have not business relation with their firm. I informed them that the number they are calling is my cell phone number and they do not have permission to call. Here are the dates, times, and inbound call numbers identifications associated with the Ally Financial phone calls : XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX XXXX CT, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called Transunion to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of XXXX, using the email of XXXX XXXX, called in reference to the dispute that I had filed with Transunion. I verified that it was not my account and that they had the wrong phone number and email. XXXX emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from Transunion that XXXX had verified the account WAS MINE and ACCURATE. 

I called both Transunion and XXXX to no avail but that I needed to file a police report and file a report with you.
Product: Debt collection

This bill was paid in full by SC State medicaid. It is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX Report dated XX/XX/2022 Reference XXXX XXXX You all are reporting another individual on my consumer report.
Product: Debt collection

Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sending a follow up compliant to the Experian Bureau for the removal of remaining fraudulent inquiries, and an urgent request of inquiry removal to the XXXX Credit Bureau. I need the XXXX Bureau to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the Experian and XXXX Credit Bureaus to remove these inquiries listed in these compliant : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

According to Rushmore Loan Management Services my Escrow Insurance Account has a shortage in the amount of {$840.00}. 

This discrepancy has been an ongoing/unresolved issue within their Escrow Department. All documentation has been provided by my Homeowner Insurance Company, XXXX showing my account in GOOD STANDING! 

Rushmore Loan Management Services, issued what appears to be a double payment. StateFarm shows ONE check cashed and the overpayment sent back to Rushmore Loan Management, to be put back into MY ESCROW ACCOUNT! 

I have attached all correspondence since XX/XX/2022, the paperwork I was forced to agree to spread out the SUPPOSED Escrow shortage, until they figure out what is clear as day! 

Please see all attachments! Once again, please note just how incompetent this Loan Management Service is!!
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Reporting of Transaction History and Late Payments Accounts reviewed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their egregious violation of consumer privacy rights and disregard for consumer protection laws, including the provisions outlined in the Privacy Act of 1974 and relevant consumer protection statutes. 

On numerous occasions, XXXX, Equifax, and XXXX have reported my transaction history and late payments without my explicit consent. This unauthorized reporting of personal, non-public information violates both federal consumer protection laws and my fundamental right to privacy. 

The unauthorized reporting of my transaction history and late payments has resulted in significant harm to myself and my family. Specifically, this erroneous information has led to denials of lines of credit for essential needs such as housing and transportation. Despite my diligent efforts to maintain financial responsibility, the inaccurate reporting by XXXX, Equifax, and XXXX has caused undue pain and suffering, as well as financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), credit reporting agencies are obligated to ensure the accuracy and integrity of consumer credit information while upholding consumer privacy rights. However, XXXX, Equifax, and XXXX have blatantly violated these laws by reporting inaccurate and unauthorized information about my financial history. 

Furthermore, the Privacy Act of XXXX  expressly prohibits the disclosure of personal information without proper authorization. By reporting my transaction history and late payments without my consent, XXXX, Equifax, and XXXX have violated the provisions of this federal statute.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.
Product: Payday loan, title loan, or personal loan

a company called XXXX XXXX XXXX with XXXX XXXXXXXX went on the property of XXXX XXXX XXXX XXXX XXXX XXXX. damage the front yard. another person 's vehicle was tampered with and my vehicle was damaged being towed with the front wheels locked and fluid leaking from the front area. I have reported this to the companies and I have not heard back. 
thus needs to be fixed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were XXXX inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all XXXX credit bureau so far I had no luck. I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I 've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXX was XXXX XXXX XXXX XXXX, prestige, XXXX XXXX of XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
Product: Debt collection

I have sent FIFTH THIRD BANK a letter of validation on XXXX, they failed to verify the debt in 30 days, i demand to comply. by law this account must be removed if they cant provide proof.
Product: Credit reporting or other personal consumer reports

some XXXX inquare in XXXX XXXX XXXXXXXX for my credit report that i did not did it and i got alert from my reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached a settlement about 6 months ago to settle a credit card debt. The debt was over {$20000.00}, but we settles on {$12000.00}. I made five payments in a row of {$1000.00} and then on XX/XX/XXXX, I paid off the balance of {$7000.00}. I have requested now 7 days in a row for proof of payment/settlement and they will not send it to me. They keep saying that they have to wait for an auto generated letter. Their customer service team tells me that the money cleared on XXXX and they can see that the balance is {$0.00}, but they wont send me the statement and I am running into credit repair issues because of it.