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

My account with ( XXXX  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 ( 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. 


( XXXX  XXXX, 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.
Product: Payday loan, title loan, or personal loan

I was put on a repayment program due to COVID that lowered my payments while not working and i never got documentation in the mail with the specifics of the program or anything saying the program was over. Ive been having issues accessing my account online so i been paying via phone. I got a letter in the mail in XXXX stating i need to make a balloon payment for {$2100.00} in XXXX never was told this ever and the paper states i can get on a payment arrangement for this amount. I call and Im told there is nothing they can do. Who gives less than 60 days to pay that amount in todays economy its not fair at all!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the XXXX. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX  XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

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

15 usc 1681 section 602 I have the right privacy. 15 USC ... 1681 section 604 a section 2:1also states a consumer reporting agency furnish a scout without my instruction. 15usc1666B a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late. account XXXX XXXX XXXX XXXX XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification that my credit was ran by XXXX - XXXX XXXX XXXX XXXX XXXX, CA XXXX. A hard inquiry appeared on my credit report. I did not authorize them to access my credit. 

I had completed preliminary steps to inquire about a mortgage application with Edge Home Finance NMLS ID : XXXX, asking about the steps, interest rates, types of loans offered, but did not authorize them to run my credit and I made that very clear. I explained that I did not want my credit accessed until we were ready to move forward and ready to build. 

Without my consent my credit was in ran. Resulting in a hard inquiry on my credit report. I contacted the company at ( XXXX ) XXXX. They refused to do anything and gave me the run around. I also contacted Edge Home Finance and they were unable to help either. The loan officer XXXX XXXX explained that it was his mistake and he thought we were ready to go to closing. I get mistakes happen, and I dont think XXXX is a bad guy, but mistakes can not happen when people need to keep their credit scores high to qualify for mortgages. A hard inquiry stays on your report for 2 years, and I explained multiple times to XXXX XXXX  that we were not ready to have our report ran which he reassured would not happen until we found a property and were ready to close. 

This needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

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

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I am planning to apply for a loan so please don't make things hard for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about continuing fraud by Experian in their non-responses to this monitoring bureau. Experian has on three occasions lied and stated that they can not determine the identity of who I am filing this complaint against them. That is a blatant lie. In each complaint I have attached more than sufficient information to prove who I am as well as filing documents that are self-authenticating in that they are copies of documents that I sent to Experian and not one else could have access to them.

Experian has failed to remove blatantly unverified false and erroneous, incomplete accounts from my report in spite of four certified letters signed by an agent of Experian and which demand for proof of verification and the information I am entitled to under section 609 not within the 15 day DEADLINE, WHEN THEY HAD A MANDATE TO REMOVE THE ACCOUNTS OR AT AL!. 

The following accounts are inaccurate, incomplete, false, too old, re-aged, erroneous or not mine and must be deleted under the law : 1.XXXX UNVERIFIED XXXX XXXX UNVERIFIED 3.XXXX XXXX  XXXX UNVERIFIED 4XXXX alleged bankruptcy XXXX UNVERIFIED 5XXXX alleged bankruptcy XXXX UNVERIFIED 6XXXX alleged bankruptcy XXXX UNVERIFIED 7. XXXX XXXX UNVERIFIED TOO OLD FROM DOFD 8. XXXX RE-AGED AFTER DELETION I am attaching a copy of my drivers license which is the new certified driver 's license that works in lieu of a passport if desired. CLEARLY THIS PROVES IT IS ME. 

I am attaching copies of three of the certified mail receipts to Experian with signatures that prove they received the formal demands under 609 for proof and details of verification and my consumer file. The have had three 5 day time periods to proffer the required documentation and they ignored these legal requirements and flaunted the law. Regardless of what they allege they have " verified '' which is a fraud as I have the letters from XXXX where they allege verification was given, they have missed the legal deadline three times and they must delete the items regardless of any alleged documentation they receive at any time in the future. The law required deletion of the identified accounts immediately.
Product: Debt collection

Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX
Product: Mortgage

I have a cease and desist order in place on my mortgage loan for shady collections practices involving Ditech. Last week they violated this practice by showing up to my house and placing a collection, contact us door hanger on my front door. I contacted Ditech again today and they stated they ca n't enforce a cease and desist order. Their collections antics are not consistent between borrowers resulting in disparage treatment. I consider this an additional demand to cease and desist all collection efforts in regards to this loan.
Product: Bank account or service

Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.
Product: Debt collection

I have two accounts with XXXX XXXX. XXXX is for XXXX which I owe ( XX/XX/XXXX to XX/XX/XXXX ). I purchased XXXX XXXX during covid for my job. The other from XX/XX/XXXX to XX/XX/XXXX for XXXX is not me. 

I simply asked for : A. The dispute process to which I was, XXXX. Treated rudely and given false information, to which I, XXXX Asked that she speak to management to negotiate lesser amounts as I was not comfortable laying a debt that I did not owe, but was continually argued with, overtalked, and provided fraudulent information. 

False info : - far more rude than what I care to type, but was told that I needed to find proof that I owed the debt, when the law clearly states that the burden of proof is on the creditor. I asked again to clarify, and the second time the info was just as false and just as rude as the first. 

- badgered when calmly asking that management be consulted about lesser amount, again explaining why, to which I was argued with again, wanting to know why I wanted to dispute, and that if I didnt have a legitimate claim or proof, etc. Then finally clicking me to hold XXXX and XXXX. After holding for 15 mins or so, came back with a lesser amount which I paid just to rid myself of the stressful situation and very inappropriate call.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that I do not recognize. Your company appears to be in violation of several laws, including : 15 U.S. Code 1006b - Timing of Payments Under this provision, a creditor may not treat a payment on a credit card account as late if it was made within the specified grace period.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports A consumer reporting agency may only furnish a consumer report with the explicit written instructions of the consumer. I do not recall providing such instructions. 
Privacy Act Violations Reporting unauthorized accounts infringes on my privacy rights. 
15 U.S. Code 1606 - Finance Charges and Disclosures This addresses improper finance charge calculations, which may also apply here. 
I am demanding the immediate removal of any inaccurate accounts and the correction of all late payment entries on my credit report. These entries must be updated to reflect a " Paid as Agreed '' status. 

Failure to respond satisfactorily within the legally required time frame will result in : The deletion of the referenced accounts from my credit file. 
Legal action against your company, where I will seek damages of {$1000.00} per violation, as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Further, your company may also be held accountable for : Defamation of character ( per se ).

Negligence in reporting inaccurate information.

Violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
I expect a detailed response and resolution to this matter. Please note that if I do not receive satisfactory action, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available to me.
Product: Credit card

I made a hotel reservation in XXXX XXXX, CA through XXXX on XXXX using my Citi Costco credit card on XX/XX/2023 ( see the confirmation email PDF ). When I arrived at the hotel around XXXX on XX/XX/2023, the front desk told me they had not received the order from XXXX because XXXX was not an authorized partner of the hotel, and therefore could not offer me the reserved room. She also told me that several customers who had reserved through XXXX had the same problems in the last few days. Without any hope of resolving the issue on site, I had no other choice but to give up the reservation. 

I filed a dispute with Citi for a charge back of the reservation ( case number XXXX ). On XX/XX/2023, Citi notified me that the dispute has been denied but XXXX claimed that ( 1 ) I did not contact them on XX/XX/2023 to resolve the issue first per their Agreement and ( 2 ) I signed for receiving the reservation. The temporary credit applied by Citi will be reversed shortly. 

The claim by XXXX  is completely false because I called the customer service number of XXXX  immediately around XXXX on XX/XX/2023 to resolve this issue. ( see screenshot of my call history on XX/XX/2023 ). But no one answered the phone. Furthermore, XXXX failed to show the signed receipt from the hotel on XX/XX/2023. The signature it showed was for the online reservation on XX/XX/2023. 

This complaint against XXXX  is filed concurrently with Federal Trade Commission for business fraud.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 

I recently disputed this incorrect late payment with the credit reporting bureaus, and the information was reported as unverified and inaccurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Late payment???

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the incorrect late payment.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Product: Credit reporting or other personal consumer reports

There is an account under my name that says XXXX that says something about a car loan. Its so confusing because it also say a student loans. I dont understand, but I dont have no XXXX XXXX XXXX XXXX I only have a XXXX XXXX. I received something from XXXX and I replied and told them its not mine. I only buy one car at a time. Im barely paying off my XXXX. Why would I jump from a XXXX to a XXXX while still having a note. Can you please see who purchased this car in my name or clear this error. I am working on it as well so I can file a police report. Thanks