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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a
creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX XXXX, Account # 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: Debt collection

I requested debt validation from this collection agency that claims I owe them a debt. I requested debt validation on XX/XX/2019 via certified letter, on XX/XX/XXXX I received copies of simple charges the collection agency says I owe. They did not send any proof of a signed, legal document with my signature that showed the collection company and I had a legally binding contract. I want these fraudulent charges taking off my credit report so that I can purchase a home. Its disheartening that a collection company will just send a list of charges with no real proof that you owe them.
Product: Credit card or prepaid card

A fraudulent card was put in my name. I want every receipt with camera footage to prove that card debt belongs to me. So take that off my credit report.
Product: Debt collection

XXXX XXXX started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is Gurstel Law firm phone is XXXX located in XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX, a XXXX XXXX checking account was opened with my personal information XXXX XXXX also -added a derogatory mark on my banking report history per XXXX XXXX. After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from XXXX XXXX  stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated XXXX allowed to open a checking account inside any XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX checking account online. With a deposit of {$50.00} dollars from a debit card my application was immediately approved. After several consecutive days of the new account opened. XXXXXXXX XXXX closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Im highly disappointed this is a tough time in the economy. Inflation is high. On whos stressed for money has no time for a deposit thats not returned. I've also have not been able to open any future accounts with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ Your City, State, ZIP Code ] [ Your Date of Birth ] [ Your Social Security Number ] [ Date ] Credit Bureau Name [ Credit Bureau Address ] [ Credit Bureau City, State, ZIP Code ] Subject : Request for Correction of Personal Information Dear [ Credit Bureau Name ], I recently reviewed my credit report and found incorrect names and addresses listed. To ensure the accuracy of my report, please update my personal information as follows : 1. My Name : My legal name is [ Your First Name ] [ Your Last Name ]. Please remove any other names, as they are incorrect and not associated with me. 
2. My Address : Please ensure my address is correctly listed. My accurate address is : [ Address Line 1 ] [ City, State, ZIP Code ] Additionally, please remove all other references to addresses that are not associated with me. 

Once these updates have been completed, I kindly request that you send me an updated copy of my credit report for verification. 

Thank you for your time and assistance. 

Sincerely, [ Your Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to request your prompt attention to the inaccurate information on my credit file because it is seriously harming my creditworthiness. It is unacceptable that, despite my prior efforts to have the issue resolved with the creditors as well as the credit bureaus, the false information is still being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$27.00}. I've listed the precise accounts that need to be corrected, and I demand that you look into them carefully and take all required steps to have them fixed as soon as possible. As a credit reporting organization, it is your duty to make sure that my credit file is updated and accurate, and I won't stand for any further inaction or carelessness on your part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Product: Student loan

I applied for a School Misconduct Discharge with Navient on XX/XX/year> for my private loans for XXXX XXXX XXXX. 

On XX/XX/year> I received an email from Navient telling me that my loans would soon be transferred to XXXX. 

I provided detailed information about the school misconduct towards me and also the public, which should have been sufficient to approve my application. 

I referenced the federal XXXX case against the Department of Education that I was a class member of. I provided the letter of federal approval and discharge from the XXXX XXXX XXXX stating that my borrower defense case against XXXX was approved based on the fact that XXXX was deceitful and failed to perform as agreed. I pointed out the public knowledge that XXXX went out of business for losing federal funding and also the numerous lawsuits against XXXX. I provided my personal testimonial of my own negative experiences at XXXX, including providing misleading information to secure enrollment, failure to perform as agreed and provide promised services and for providing poor quality education and unqualified teachers. 

I asked Navient to consider the information related to my federal loans because they were XXXX and during the same time period. 

On XX/XX/year> Navient sent me a notification that my application was denied with a generic response. There was no information as to specifically why it was denied. I called to inquire about why it was denied and there was no additional information provided. 

On XX/XX/year> these private loans were transferred to XXXX. 

I feel that Navient quickly denied my application, knowing that I would soon be transferred to XXXX and no longer their problem. I feel that they disregarded all of the evidence that is obvious not only to me, but to the entire general public about XXXX 's misconduct. Because my loans were quickly transferred, I am not able to appeal the denial.
Product: Consumer Loan

- Received 4 or 5 phone calls, one after the other, after XXXX on a Saturday, after we asked them to stop calling at that time so we could get our kids to sleep - Called me at my job after asking them not to - Harrassed and cussed at my husband after XXXX in the XXXX. My husband is a XXXX veteran in XXXX. 

- Were told we would be arrested for not paying
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

XXXX has accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

Transunion has a XXXX XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already
Product: Credit reporting or other personal consumer reports

XXXXSummary of Legal ComplaintXXXX XXXXCase Title XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXCase Number : XXXX XXXX XXXXFiling Date : XXXX XXXX XXXX XXXX XXXXLegal Basis : XXXX  The action is filed under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of XXXX ( CFPA ). 

XXXXParties Involved XXXX XXXX XXXX XXXXPlaintiff : XXXX Consumer Financial Protection Bureau XXXX CFPB ) - XXXXDefendant : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

XXXXAllegations Against XXXX XXXX XXXX The Bureau claims XXXX violated consumer protection laws by : XXXX. Failing to adequately reinvestigate consumer disputes about report accuracy or completeness. 
XXXX. Not forwarding all pertinent information to credit furnishers. 
XXXX. Providing insufficient notifications to consumers about dispute outcomes. 
XXXX. Neglecting to maintain reasonable procedures for ensuring information accuracy in consumer files. 

XXXXRequested Relief : XXXX  The Bureau seeks injunctive relief, compensation for affected consumers, repayment of unjust profits, and civil monetary penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.
Product: Credit reporting or other personal consumer reports

I hope everything is well this is XXXX! 

I am complaining about Experian, XXXX and XXXX the major credit reporting agencies that have reported an account for collection under the original creditor " XXXX XXXX '' with the account # XXXX I am a victim of identity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

The account has also been " written off '' yet I never received a 1099 document from the company either thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i 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 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 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, credit repair services, or other personal consumer reports

In Accordance to The Fair Debt Reporting Act. Wells Fargo Bank violated my rights. 
Account number : XXXX XXXX, XXXX XXXX, closed ( 2017 ) ( 5 ) years ago. 
With NEW ACTIVITY negative, abusive, inaccurate remarks reports every ( 2 ) weeks. 

15 U.S.C 1681a ( 4 ) Consumer rights to privacy and my address is a private matter. A violation of my rights. 

Wells Fargo Bank had informed me, that I had been a victim of Data Breach in there system. A data breach has confidential, sensitive and protective information that were viewed and shared by others without my permission. A violation of my rights. This is illegal and should be removed immediately. 

According to the IRS Form 1099c must be filed regardless of whether the debtor is required to report the debt as INCOME. The IRS states : Obtain a 1099c and it must be filled as income. Income is not reported on a consumer report. Charge offs, once a charge off is filed it is supposed to be put on your taxes as part of your income, as ordinary income. A status of a charge off reporting is an inaccurate reporting of Wells Fargo Bank. Wells Fargo Bank reporting income as a charge off is ILLEGAL and violates MY RIGHTS and IRS LAWS and should be deleted immediately. 

15 U.S.C 1692b Harassment or Abuse : A debt collector may not engage in any conduct the natural consequences of which is to harass, oppress or abuse any person in connection with the collection of debt. 

15 U.S.C 1692c ( a ) Communication in connection with debt collection. Without the prior consent of the consumer given directly to the collector. ( Wells Fargo Executive RepXXXX XXXX XXXX ext XXXX ) left messages stating she was personally assigned to resolve these inaccurate issues. Soon after Wells Fargo Bank, abusive inaccurate reporting has doubled. New negative remarks have been reported, causing even more damage against my profile. 

15 U.S.C 1681c ( A ) ( 5 ) Adverse Item : No consumer reporting agency can produce any adverse information. Which has caused my homeless and I lost a job. 

15 U.S.C 1692 Advertising of Debt to coerce a payment. Negative documentation. A violation of my rights. 

15 U.S.C 1692 ( a ) Congressional findings and declarations of purpose : There is abundant evidence of the use of deceptive and unfair debt collections practice by many that contribute to personal invasion of privacy. A violation of my rights.

15 U.S.C 1692f Unfair practices a collector can not may not use unfair and unconscionable means to collect or attempt to collect any debt ( 1 ) reporting open credit limits to {$600.00}.

15 U.S.C 1692e ( 2 ) ( a ) False or Misleading represent False representation of amounts or legal status of any debt. The character, amount, or legal status of any debt.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions
Product: Debt collection

I settled with the debt collector and paid them in full, I would like this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, creditrepair.com, charged me {$69.00} per month with the promise of improving my credit score. However, they failed to deliver the services they advertised. In fact, they did not take any meaningful action to help me increase my credit score. I recently received a letter from the Consumer Financial Protection Bureau stating that they have closed their filing against the company in XX/XX/2023. 

Due to the company 's failure to provide the services promised, I requested a refund for the amount I paid. However, the company rejected my request. I have attached a letter that clearly shows their lack of action and failure to provide the promised services. It is only fair that I receive a refund for the services that were not delivered as promised. 

My account email is XXXX XXXX
Product: Credit card

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit card

My cards/ accounts have been compromised and now my account balances are over their limits and overdue. I have tried to reach out to the company to get these accounts fixed, but they have not responded. These accounts need to be resolved and charged off back to {$0.00} within XXXX business days as they are causing massive harm and emotional distress to my reputation per 15 US Code 1681c-2.
Product: Credit card

There was over XXXX $ worth of unauthorized purchases made for apple services between certain timeframes on my apple card. As soon as i noticed i contacted apple support who tried to issue a refund and then goldman sachs to start a dispute. Apple support informed me that i would be receiving a refund and to close my disputes with goldman. I did so but then a few days later my refunds were denied so apple REQUESTED that I reopen my dispute with goldman to get my money back. I reopened these and most of the charges were winning disputes but today i started to lose disputes and have over XXXX $ in charges now pending on my account. I did not make these purchases and am a XXXX XXXX XXXXXXXX XXXX XXXX If apple card does not refund these I will be in crippling debt.
Product: Student loan

Navient pushed me to take forbearance on my loans. Navient aliso never reminded me when it 's time to re new my pay as you earn income plan.
Product: Credit reporting or other personal consumer reports

XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my XXXX XXXX consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from EQUIFAX and XXXX XXXX and Ive sent proof of this as well so this need to be deleted from XXXX and XXXX as well. 
How is it one consumer reporting agency follow FCRA and the other does not??
Product: Credit reporting or other personal consumer reports

XXXX utilized false information on a credit report when all standard agencies have a score of over XXXX they gave a score of less than XXXX resulting in the denial of a loan.
Product: Mortgage

Shellpoint Mortgage has refused to give back almost {$3000.00} due to the family after the passing of the father and the sales of the house and settlement of the estate. They issued a check incorrectly in the name of the deceased which could not be cashed as it was not written ( as directed by the estate attorney ) to the Estate. After multiple attempts to resolve the issue, we escalated with the ConsumerFinance.gov website and received an incorrect resolution summary document ( attached ) from ShellPoint Mortgage which FALSELY states that funds were distributed via EFT, which they were not. No funds were distributed to any estate or personal bank accounts via EFT, and no checks were issued to the estate.

Multiple subsequent attempts to reach the bank for reply have gone unanswered. XXXX XXXX in the ShellPoint Mortgage compliance department has not returned multiple phone calls to the number that was outlined in their response ( XXXX ).