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 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 60 DAYS 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: Credit reporting

I received a copy of my credit report and it shows that I have an account with XXXX XXXX, with a balance of over {$20000.00} and that I have n't paid in over 6 months. I immediately sent XXXX a certified letter " requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. '' XXXX received the letter and signed for it on XXXX XXXX, 2016. They did not respond with in the 30 days allowed. I sent them another letter ( which was received and signed for on XXXX XXXX ) informing them that they violated federal law and they did not send me any evidence bearing my signature. As of today, they have not sent me any evidence, with my signature, that the account legitimately belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, XXXX XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS, XXXX # XXXX HAS VIOLATED MY RIGHTS, XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt in fact therefor exists in requesting documentation none was provided. Due to identity theft this should be removed.
Product: Checking or savings account

I was already negative in my account cause the bank allowed a big payment to go through. My best friend accidently sent {$30.00} to my account, two separate transactions through XXXX. First one was for {$20.00} on XXXX and {$10.00} on XXXX. I was told on XXXX that I had to wait till XXXX to call back in so they can reverse the transaction that was accidental and I told them it was mistake and he should of sent it through XXXX XXXX. Now today, XXXX I am being told they can't reverse the transactions and are keeping someone else 's money. XXXX is an app to allow people to send and receive money. BMO has NO right keeping someone else 's money that is not theirs. They're customer service department in the XXXX need to be trained better and not tell customers things can be done when they can't. I've been with them since XXXX. I have informed the rest of my family members to close their accounts out as well as their mortgages when the time is right for them. Please find attached on how this bank allowed transactions to go through and still charge me {$15.00} over draft when I was still negative.
Product: Checking or savings account

XX/XX/2024 {$20.00} + {$1.00} XX/XX/2024 {$23.00} + {$1.00} I called and asked what is this fee for and why and how and they were unable to fully explain when and how it was activated through me. They told me to provide proof of need refund to merchant and they would be the merchant. I called several times and became irate because they keep lying and are unable to explain why is MY PAY AND MY PAYCHECK showing up as a form of agreed to and used feature in my transaction history which I never enrolled into and am unable to and why doesn't XXXX  show up for each time I over drafted my account. They will act like they can not hear me or go around the entire questions I am asking and created only a dispute for {$20.00}. I have screenshots of everything to prove I am unable to enroll into the feature, I am unable to see the details on the first time it took place because it is XXXX to review full. And much more. I have demanded my money back because I know do not owe them a single dollar. I am noticing this did not occur until I activated XXXX which is supposed to be a complete separation from what they have reflected on my account as an active feature that is not enabled and never was through.
Product: Checking or savings account

I was repeatedly asked to verify my identity due to fraud, and have had to remove and replace my XXXX XXXX numerous times over the past few months. My account is never low on funds and I can not move more than XXXX a day out of it despite adding XXXX monthly to it. 
I recently moved and wanted to change my address and they said I needed to show all sorts of documentation to do so, and I was unable to show a utility bill because Id JUST Moved It doesnt make sense that their customer call center will not escalate and simply says well email you and then check spam but nothing arrives. I want to revoke my account and get back my money
Product: Mortgage

RE ; Mortgage No Relief Option COVID-19 Company - Mr. Cooper NMLS # XXXX  XX/XX/2020 I called Mr. Cooper to relay my situation due to COVID-19 ; I am a XXXX, temporarily laid off. First I wait on hold for about an hour. Once I spoke with someone I explained my situation and they responded the only option I have is a forbearance plan. I asked to speak with a manager, then he answered he's working from home so theres no way to transfer. I asked for a contact of a manager or someone else to speak with, he then answered he can not give me that information. With hopes of an alternative option from the mortgage company I decided to wait a few days. 

XX/XX/2020 Mr. Cooper contact XXXX voice recording stated they are not taking any phone calls at this time and referred to the website. The website is not functioning properly, 'the forbearance application ' is not accessible.
Product: Credit reporting or other personal consumer reports

Please see the attached documents to understand what had happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information was exposed in a data breach and has all kinds of wrong information on it. Credit bureaus have not helped XXXX bit to rectify this information and my score continues to drop when I have no late payments whatsoever. They reported late payments or chargeoffs for items that were paid off on time.
Product: Credit reporting

In XXXX, I wrote a letter to Equifax , asking them to investigate errors on my credit report. Four months and several follow-up letters later, I have still not received a response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, Experian and XXXX each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted. XX/XX/XXXX Mailed Address, Name, Work, Phone Number Information update. As of Mid XX/XX/XXXX, only partial information was updated but old information was still being reported. <P/>XX/XX/XXXX mailed another letter to XXXX and experian for all personal info to be updated.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SECURITY CREDIT SERVICE account with a balance of {$310.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My XXXX have prevented me from working outside the home for most of my life as my XXXX  XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. Nelnet sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 Nelnet put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by Nelnet have prevented us from being able to obtain new housing. I have spoken to Nelnet representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy Nelnet is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until Nelnet put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.
Product: Credit reporting or other personal consumer reports

Errors in my credit report include unauthorized inquiries, which are against 15 USC 16c-2. Kindly correct this by removing them.
Product: Mortgage

My husband became unemployed as of XX/XX/XXXX. I applied for mortgage assistance pertaining to this issue on XX/XX/XXXX as I was waiting for the state of texas to approve the unemployment claim for my husband. I uploaded all required documents. On XX/XX/XXXX I received a missing information letter from SPS requesting I upload XXXX payslips and 2 months bank account information I uploaded the same day. On XX/XX/XXXX I received a complete assistance package letter. On XX/XX/XXXX I received a missing information letter I received a request for XXXX again and a military leave earnings statement. I had already provided the paystubs and no one in our home is in the military. I uploaded a letter to that effect. On XX/XX/XXXX I received another missing information letter requesting the same information as on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received another missing information letter requesting bank account information, and I also received a call from SPS. I spoke with a representative- don't recall her name but she stated there were accounts showing transfers on the bank statements and those statements were needed. Except those accounts belong to my minor children and the transfers were allowance. I wrote a letter to that effect with the ending accounts numbers she had provided.On XX/XX/XXXX I then received a complete assistance package notice. On XXXX I received a missing information letter requesting the same information as as on XX/XX/XXXX. By then a new bank statement was available and I uploaded XX/XX/XXXX. I received another complete package notification on XX/XX/XXXX. And again on XX/XX/XXXX I again received the same missing information letter as on XX/XX/XXXX. I contacted SPS and asked to speak with the relationship XXXX and was told by the gentleman who answered he would leave a message with her. I asked if he could help. I explained I have provided the same information repeatedly and each time am again asked to keep providing it. He said he saw that everything was submitted and would send a message through. I also told him that the letters were generic and if there was some specific information needed it should be clear. On XX/XX/XXXX I received a complete assistance package letter. It is now XX/XX/XXXX and they have again issued a missing information letter. I don't know whether it is incompetence, a deliberate tactic to avoid offering assistance, or if there is some valid information missing. But they have delayed this to the point, where we are almost being forced to default vs working with us until my husband is back to work.