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

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX 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 XXXXXXXX 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: Mortgage

Evidently this company has denied ME based on not being able to verify MY employment? I have been ON SSDI for 5 years and when we first bought the house the lender needed my 1099. This is easy to obtain. HOWEVER I was only utilized as a co-borrower because of my credit score. They listed I lost a job due to covid? I didn't have a JOB as I was on SSDI and XXXX XXXX over there knew that. They did not ask for documents because they stated they didn't need them but to blatantly lie and say I have lost a job due to COVID? I am on SSDI. That can be verified with the government. They stated I had past due bills? I am not delinquent on an anything under my social. Please let them show me where I was late with any bill. 

Unacceptable payment history? That house we have is paid monthly ON TIME. If they do not fix their lies to the THREE credit bureaus, we already have an attorney ready to go after them. We have proof this WAS withdrawn on XX/XX/XXXX. They still went through anyway to mess my credit up? AND lied that they could not verify MY employment? If they simply asked for my SSDI PROOF verification letter which they did not from SSA they could have got a copy! My credit score they showed that they used was a XXXX ... clearly they are full of it when we decided to PULL out of the loan process on XX/XX/XXXX.
Product: Debt collection

In XXXX of XXXX, somebody got a hold of my identify and created an account through XXXX  under my name. Through this account, they ordered a list of items using credit. After a few months, XXXX closed the account and escalated to the debt collectors ( XXXX ). At this points the person who stole my identity created an account through XXXX for {$380.00}. When the amount wasnt paid to transworld the debt was then escalated to Amsher. 2 different police reports have been filed. 1 through XXXX and 1 for XXXX. I have also submitted identity theft claims for both XXXX and XXXX. Amsher sent me and affidavit that I have filled out and returned to them
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been added to my credit report without my consent. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit file : Fraudulent Account : 1. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both XXXX  and National Credit System were able to verify this account 100 accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against XXXX & National Credit System. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.
Product: Debt collection

I receive daily calls, twice a day if not XXXX days a week. the only days I do not get a call is on weekends. I also receive text messages after they call and leave a voicemail. there is nothing on my credit report for this collection agency. I have XXXX and that is with another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, myself has submitted a formal letter of complaint because a bankruptcy is illegally furnished on my consumer report. I have backing evidence stating from multiple entities that the information should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, Under The Fair Credit Reporting Act, Section 609, I asked Experian to check some information concerning some charges off on my credit report. 

I did request that if Experian could not get any answers to my specific questions in the next XXXX  days to remove those negative items from my Experian Credit Report. 

I has been more than XXXX days that Experian received my correspondence. 

Not only Experian has ever answered my letter and the items in question are still on my Credit Report.
Product: Mortgage

My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( Equifax ). I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 


Address : XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX  XXXX, SC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact XXXX.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I've noticed that Experian is reporting a XXXX My question to Experian is who gave them information on this XXXX and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. It's fraud to obtain and share my personal information without the proper authorization from me or the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Experian to provide me with their source for obtaining the information on my XXXX and written authorization from the courts given to Experian. Included in my complaint is a copy of my dispute letter to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding a violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Upon reviewing my Transunion credit report on XX/XX/2024, I discovered several inaccuracies and incomplete entries. The affected accounts 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  These inaccuracies violate my rights to privacy and confidentiality under 15 USC 1681 , which mandates that consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of information in their reports. 

Under 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), after any reinvestigation of disputed information, if an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) requires that furnishers of information must not provide any information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate this matter and ensure that the inaccurate and incomplete information is corrected in accordance with the FCRA. I would appreciate confirmation of receipt of this letter and information on the next steps in the investigation process. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX report. Now on my equfax report it says I was late 2 times and they not the same months as XXXX report also XXXX XXXX is reporting different months also
Product: Credit reporting or other personal consumer reports

Late XX/XX/XXXX, I discovered an erroneous delinquency on my TransUnion credit report. I submitted a dispute to TransUnion on XX/XX/XXXX. 

On XX/XX/XXXX, TransUnion notified me via email that my dispute was resolved and results were available. Upon checking my account, TransUnion provided the status of " updated : Rating : Historical Trending Data ''. Upon checking my TransUnion credit report, I found that no information had been changed. 

The same day ( XX/XX/XXXX ), I called TransUnion to get more information on the results of the investigation. The agent claimed she could not see what had been changed on my credit report and would need to follow up within 48 hours. 

As of XX/XX/XXXX, I have received no further communication from TransUnion. Their slow response to updating my credit report resulted in me having to settle for a higher interest rate auto loan since most major banks use TransUnion for credit reporting.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Checking or savings account

My password-protected phone was stolen on the XXXX of XXXX, several bank accounts were accessed, including Chime, my primary banking institution. They stole {$2600.00}, pretty much my entire balance, using a " pay anyone '' feature in the app, which allowed all of my money to be transferred to someone I had never interacted with, instantly. I reported my phone and money stolen, made contact with all of my banks to cancel cards, etc. 
Because my other banking institutions had protections in place, Chime is the only one that actually allowed money to be stolen. 
They are FDIC insured, and while they are not technically a bank, they present themselves as one and purport to have the federal and fraud protections of a bank in place. However, they have repeatedly denied my claims and will not issue a reimbursement of any kind. Despite the open police investigation, for which I have provided case numbers and the name of the detective leading the case, they will not even acknowledge that it was a theft. 
They repeatedly refer to it as " an error '' that they are of course, not responsible for. I have plead with them for over a month, the thief took every dime I had, and now I feel I'm being robbed again when my bank turns its back on me in my time of need. Your intervention would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information posted on my credit report with TRANSUNION. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. TRANSUNION is violating my rights by continues to report inaccurate information to my credit profile. First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Third Request : Certified Mailed ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # 1. Who verified these accounts? # 2. How were these accounts verified? # 3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If TRANSUNION is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. TRANSUNION has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
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, # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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
Product: Payday loan

Hello, This loan I borrowed from XXXX Cash on XXXX/XXXX/15 and first pay due on XXXX/XXXX/15. Well the charges and fees if paid on XXXX/XXXX/15 would be {$630.00} total due back. Below are all the payments I have made on the account totaling {$800.00} : Paydates and amountsAmount Borrowed - $ 500.00amount owed if paid in full by XXXX/XXXX/15 - $ XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX loan should be paid in full by now and should not still be making payments. But instead they are still stating that I owe and showing the total loan amt due back to them a little over XXXX thousand dollars. This is predatory lending at it 's best and should not be allowed.
Product: Credit reporting or other personal consumer reports

Since my family 's cards were stolen, we've experienced high level identity theft and the bureaus aren't following protocols for such as they lock me out of my own credit report using their own email addresses in place of mine, numerous fraudulent aliases/entries that aren't mine, list of inquiries unknown, collections accounts from nowhere that aren't mine and they refuse to cooperate. Even after disputes are approved and removed, year after year those same fraudulent entries come right back onto my credit report to be disputed again and this XXXX XXXX XXXX doesn't stop
Product: Credit card

I have a credit score of XXXX ( +/- ) and after many years of being a loyal customer, never missed a payment once, had my capital one credit card interest rate increased to over 29 % without any notice, or explanation. Not only is this unlawful behavior, the amount of interest this company thinks it can charge people is deplorable and I demand something be done. I have tried to resolve with the company myself and was told they, in short, didn't have to provide anything or try to improve an asinine experience they caused. Even after I told them I was going to report their conduct to the FTC. In fact, that didn't even phase them at all.
Product: Mortgage

Had a loan modification to an FHA loan a few years ago. Novad Management Consulting apparently administers those loans for FHA, so I followed the instructions for requesting a payoff that were provided to me by HUD. I was told it would take 6 business days to get a response. 

Novad provides no way of contacting a person, they just have you email or fax your request. After 9 business days I got concerned and started to look up the company. I found that they had had 160+ complaints to the XXXX in the past year. Looking at the complaints it appears that Novad is unresponsive to everyone. Once they get a complaint to the XXXX though, they immediately send the info and blame Covid. So I filed a complaint with the XXXX 

I received a message from the XXXX that Novad had gotten my complaint at XXXX XXXX. I got the info I needed at XXXX XXXX. So Novad was perfectly able to respond in a timely fashion but being deliberately hard to get in touch with appears to be an intentional strategy. There are several heartbreaking stories of elderly people trying in vain to get info from Novad for months on the XXXX board, so I felt it necessary to try to make sure they don't keep doing this to people.
Product: Debt collection

I have received only a couple of calls from Transworld Systems claiming I owe money. {$99.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.
Product: Credit card or prepaid card

event # 1 : In XXXX I made a payment that was " held '' for 2 weeks. I've never experienced that and they told me it was because it was a new account and wouldn't happen again. As a result I was unable to use the card and it created personal and financial problems as I missed other payments. 

evnet # 2 : I got declined using the card today ( XX/XX/XXXX ) because the payment I made on XX/XX/XXXX was " on hold ''. The credit line is $ XXXX, and I've made {$28000.00} worth of payments and right now the credit limit is {$1500.00} rather than the $ XXXX I was expecting. 

Spoke to an agent, elevated to supervisor and they told me tough luck they can " hold '' my payment up to 24 days, and there was nothing to do and that the earliest it would be released is XX/XX/XXXX. 

I'm financially damaged by all this I feel misled by the first person in XXXX that this wouldn't happen again and I would have changed card companies had I known because I've never experienced this in my life.