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

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 months that reported 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. 


XXXX, XXXXXXXX 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 card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Mortgage

I recently filed another complaint against PHH/Ocwen mortgage company. XXXX. The company has initiated foreclosure proceedings against my home even though I have made all of my payments as agreed in the modification I signed in XXXX of XXXX. At the same time that I signed the modification agreement I also signed an agreement to assume the mortgage that was originally in my late husbands name. Both documents, the modification and assumption agreement were sent together in XXXX of XXXX. I returned both documents in the envelope provided from XXXX by which they were delivered to me. I sent in my first payment according to the modification agreement that same month, XX/XX/XXXX. 
In XX/XX/XXXX I received a foreclosure notice stating that no payments have been received since XXXX of XXXX. The companys response to my previous complaint states that no payments have been received since XXXX of XXXX ( discrepancy on their part ) and the assumption agreement was never received. I am providing the notarized signature page of the assumption agreement ( document is named in lower left corner ) which was sent in the same envelope as the modification agreement that they do acknowledge receiving. I am also attaching the cashiers check stubs that clearly show payment to PHH mortgage. With the stubs I am also including the signature cards that show these checks were received by PHH. Finally I am attaching the shipping receipt from XXXX for the envelope sent last XXXX containing the modification and assumption agreements. 

This is part of the company response to my previous complaint : Account records indicate that we are still awaiting receipt of the assumption package and a modification can not be completed, and the account will still be in Mr. XXXX name until it is completed. As no payments have been received after XX/XX/XXXX, the status of the account is accurately reflecting as in default and the notice of default was properly sent. In addition, as the account was delinquent, any late fees assessed on the account are proper and as we are obligated to service the account in accordance with the note these fees will not be waived. I have attached the Payment Reconciliation history for review. The account is currently in foreclosure which is on hold due to this dispute. 

I would like to know what has been done with all of the payments I have sent since XXXX of XXXX. These payments need to be immediately applied to my account or returned to me. 
Something needs to be done besides just forwarding this complaint to the company. They need to be investigated and these types of practices need to be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting the following accounts be removed from my credit file : Accounts to be blocked and deleted : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$560.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$2900.00}
Product: Debt collection

My landlord received a call from XXXX, a debt collection company, who said they had a delivery for me and wanted to confirm my address and social security number. They left the phone number XXXX and a case number XXXX. I returned the call myself to request their mailing address in order to send them a cease and desist letter and to inform them that my sole source of income is XXXX XXXX XXXX XXXX. The ( unidentified ) woman on the phone refused to provide the company 's address and claimed that they were in the process of filing court documents to recoup an alleged debt. They would not provide me with any specifics regarding this debt and called me a " deadbeat '' who was trying to " hide behind a legal technicality '' ( my right to request that they stop calling me or my landlord and to contact me in writing, only ) at which point I ended the call. 

I have located an address for XXXX online and have sent a cease and desist letter, with a copy to XXXX.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit profile that are for a fact identity theft. I requested the accounts to be removed but it's been on my credit an dhurting my score for so many years. 

I currently have an identity Theft report with the FTC.
Product: Credit reporting or other personal consumer reports

I am writting to you as a holder of the account # XXXX  from XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ). 
Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report.

Below are the details affected payments : Experian XX/XX/XXXX. 
XXXX XXXXXXXX and XX/XX/XXXX. 
Equifax XX/XX/XXXX and XX/XX/XXXX.
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... RS CLARK ASC ( Original Creditor : 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: Vehicle loan or lease

I had a leased vehicle Honda provided a payoff for. I paid the amount to purchase a new car. I received harassing calls and letters threatening repossession of my XXXX XXXX which had been turned in to the dealer months prior. Credit report shows amount owed and have been sent to various collections. When disputed previously Honda denied and provided bogus payment history saying amount owed and repossession never sought. The vehicle I did purchase XX/XX/XXXX claim never addressed. That vehicle was repossessed after payment was never applied that had been sent in. Also car was given to repo man at XXXX when car was in garage and he had gone in to verify. I did not know at the time that was not allowed. He threatened I would need to be in court the next morning if I did not give him the car and it would cost additional thousands in court fees. Also said a key fee of {$500.00} would also be charged. I was getting paid in the next 2 days and was going to make my payments I did not know were over 30 days since a payment had never been properly applied. I was told I could get my car back once I made my payment and called Honda. This has caused extreme hardship and affected my ability to find a job since credit checks are a part. Also has created a hardship in securing housing for the same reason.Had I not been lied to I would have retained my vehicle my good standing credit wise and not had to go through undue hardships otherwise. Honda has profited by unduly doing this and continues to seek payments through collection. 

I have copy of payoff, and payment made. Copy of letters threatening repossession which they denied for XX/XX/XXXX. I also have a copy of check sent in which was not applied that resulted in XX/XX/XXXX being late. Also proof of XX/XX/XXXX car picked up from dealer when transferred to another lot in XX/XX/XXXX despite being threatened in XX/XX/XXXX with repossession and charge off.
Product: Debt collection

I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ).  Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.
Product: Mortgage

I have been trying to work with Quicken Loans, representative XXXX XXXX, XXXX XXXX. singer Point of contact Direct phone # XXXX. I have been trying to sell my home for almost 2 years that I owned with a previous partner. We are no longer together and neither of us can afford the home on our own. Where we have been unable to sell the the home I reached out to Quicken this summer and was connected with a representative. I was told without applying for anything that I didn't qualify for any programs because I was current and my credit score was too high. I then met with a housing counselor and we spoke to XXXX XXXX on XX/XX/2018 sometime after XXXX XXXX  EST. He again told me that I would not qualify for anything and discouraged me from applying even though he had not reviewed my financials. He wanted to push me towards a short sale and sent me an application with incorrect information that he would not correct. I printed the application, fixed the errors and sent it back in. I was denied and when I again spoke with him he seemed upset that I had applied at all. He told me to lower the selling price even though I would not qualify for a short sale and ask the real estate broker to not be paid any commission. He has not been helpful, he has been rude and making assumptions he has no right to do. I can not afford to retain this home and want to work with quicken for the best exit possible for both of us, but need a representative that will work with me and not against me. Also, I can not get them to send all correspondence to my current address that is not the home. They do have my correct address on file, but continue to send information to the vacant home.
Product: Debt collection

Can you please show me based on the law you have the right to access a person 's medical file while not being authorized by that person? I consumer XXXX XXXX notice Online Informations Systems debt but they can not have my personal information because I as a consumer didn't give them permission to. This is a violation of XXXX which indeed every XXXX  office says the adhere to. I am not acknowledging this debt as mine but I am speaking on the matter of this debt on my credit report. They are defaming my character and violating my rights as a consumer according to 15 USC 1692. I have attached my license to use a verification tool only to verify the person sending this complaint not to acknowledge this debt.
Product: Student loan

My student loan started as a Federal Student Loan, then on XX/XX/XXXX I made the great mistake of transferring the loan to Wells Fargo, my payments were {$180.00} / mo., while I was working I could afford the payments, but as of this year XXXX I have been struggling to make the payment, haven't worked since XX/XX/XXXX, I have contacted Wells Fargo many, many times, in XXXX XXXX they gave me a forebearance for 3 mos. after that I haven't been able to come up with payments, Im not working-although looking, I have requested Wells fargo to lower my payments but they declined, they say I make enough to make payments. My income is solely from social security, {$1300.00} / mo of that I pay {$900.00} / mo on rent. electric bill, ph, car insurance and cable, I'm left with {$200.00} for the month for food and gasoline. I have stated to W F that I could make a $ 10-20 payment - they wont accept that. The original loan amount was {$21000.00}, as of now it has only decreased to {$19000.00}, most of all my payments for the past 7 yrs have gone to interest not principal. Can you help me in any way? My name is XXXX XXXX, XXXX, W F loan # is XXXX. Thank You
Product: Credit reporting or other personal consumer reports

i talk to chex system and still have me on their system
Product: Money transfer, virtual currency, or money service

First off XXXXXXXX XXXX XXXX  has not sent me a new card I lost mine and requested a new one several times and it's been 6 months and my main issue is a had wrote a check and attempted to move the remaining $ out of my account with a mobile check cashing service called INGO MONEY and they declined the check but still took the money and haven't seen it since it was XXXX $
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened aXXXX XXXX XXXX XXXXopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a XXXX  of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) and # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX is showing accounts is closed and charge off. While account is charge off and closed, XXXX XXXX is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a XXXX balance since that account is charge off. 
Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Debt collection

I was called by an agressive person from Eagle Recovery who was unwilling to confirm or let me know who I was speaking with or what she was calling for with out me giving personal information. When informed of what the debt was I informed her that it was not a valid debt for them to collect as I have spoken to the original creditor. They became hostile. I told them they are no longer allowed to contact me or harass me. 

I spoke immediately with the billing department at the original creditor and they stated they did not contract with this company to collect on the debt.
Product: Credit card or prepaid card

I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. 
I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. 
As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just got done looking at my credit report and Wells Fargo Bank has no reason after the last complaint I submitted to CFPB to pull a hard hit on my credit. I have not applied for anything wells fargo brand and never will but to pull a hard hit after a CFPB complaint spells retaliation to me added with the letter you sent before rhat was a threat to stop complaining to CFPB My complaints are real and legit. I want wells fargo bank to remove this mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other 10 Companies and Id like them removed.
Product: Debt collection

I disputed this account. This dispute was closed. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who was interviewed regarding this account? How did you come to this determination?
Product: Credit reporting, credit repair services, or other personal consumer reports

i've gone for a home loan and they pulled up the report and find many hard inquaries that are not due to my asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

As reported on Transunion as of XX/XX/XXXX  : Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Amount : {$2800.00} XX/XX/2021 I mailed Transunion a written notice of the incorrect information on my consumer report, after they previously refused to remove the incorrect information over the phone, despite confirming that the incident was a result of identity theft/fraud, there had been a police report and FTC report submitted XXXX and that this information should be removed immediately as I as the consumer never gave written consent to Transunion to report this unverified debt, pursuant to 15 USC Chapter 41 and 12 CFR 1022. 

XX/XX/XXXX  I called Transunion to inform them of the incorrect information being reported on my consumer report and the fact that it was a violation of my rights under the FCRA and as well as a act of identity theft and fraud, with a valid police report. 

*I as the natural person and consumer submitting this complaint for myself, give full consent to Transunion and the CFPB to communicate and share my information between each other in order to bring my remedy and solution to this complaint. *