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

My account was never late! I have had exceptional payment history 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 to be updated.

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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FRCA violations not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. $ XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual never late XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed.

The amount states that i owe XXXX  to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me!

Please remove this account from my credit report! I cant take this any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX reporting is both INCOMPLETE and INACCURATE. 
TransUnion has XXXX XXXX ' as ' {$3100.00} ' although it is ' {$3400.00} '. 
TransUnion has 'Payment Received ' as ' {$0.00} ' although ' {$1500.00} ' was paid. 
TransUnion has 'Balance ' as ' {$0.00} ' incomplete. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INACCURATE. 
TransUnion has the 'Terms ' as XXXX months although the term is XXXX months. 
( see attached proof ) US Bankruptcy Court Docket # XXXX reporting is INCOMPLETE. 
Transunion has the letters of the docket number missing. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Product: Credit reporting or other personal consumer reports

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX Equifax : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the XXXX reports. I am aware all reporting has to correct and accurate at all times
Product: Debt collection

Servicing Department : Please be advised this notice is in regards to recent I.C. System, INC, claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. 


I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to I.C. System, INC. from the original creditor. Furthermore, I request that I.C. System, INC. to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX  credit file pursuant to FCRA provisions. 
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that I.C. System, INC., acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. 


Respectfully yours, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Subject : Dispute Regarding XXXX XXXX Resorts Timeshare / XXXX  Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX  BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.
Product: Debt collection

My family will be impacted by the deficiency judgement from a sheriff 's sale. 
I put my house on the market had a Contract and a Short Sale approvel on my mortgage which is now with the 3rd Trustee XXXX. My loan is now part of XXXX security XXXX. 

There is a replacement buyer on an a Short Sale Approval due to delay the peole I had bought something else. 

SPS servicing never told me the new buyer 's contract was never reviewed. I was not told that the replacement contract was never looked at. The new buyer Contract is all cash the buyer for the same amount. 

This unfair treatment will impact me and my children with the deficiency judgement from a sheriff 's sale.
Product: Checking or savings account

I have requested my cd be closed and funds deposited into my checking account prior to and on the day of maturity. USAA reps have repeatedly stated that they are unable to close. Requested escalation and management call back, have received no follow up. Reps continue to say they do not know why account is unable to be closed/cashed out. Was told a work order submitted and should take 24-48 hours. After calling again requesting update, was told could take 10 days. Follow up calls to USAA, I am put on long holds Process and whether or not I will get my funds are unclear. USAA keeping CD open without my permission and against my multiple requests. I would like my funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Coinbase disabled my account due to security reasons. I simply asked about a charge on my account that I totally forgot I made! The charge was for XXXX dollars. After asking about the charge coinbase automatically disabled my account without even investigating or anything!! This is totally not right when Ive got A LOT of money on there. Now here it is 19 business days and 25 total days that I havent had access to my account! This is a problem that I should be able to call coinbase talk to a live person and get this issue fixed within 30 minutes! Coinbase doesnt have a customer support team at all! There is no one to talk to ive only gotten generic emails back saying they are working on the issue and usually takes 4-5 business days to resolve. Ive emailed them at least 10 times and only get the same email back. Please please please help me in any way you can! That money I have on coinbase is a lot of my life savings.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 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.

TRANSUNION 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

RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

XXXX account # XXXX Trans union XXXX XXXX XXXX # XXXX but on my report the number isnt provid e
Product: Debt collection

In 2015 I started working for this company as an XXXX XXXX and required to stay on property. While working I became very ill and it cause me to go on XXXX. Still being employed with this company I tried my best to come back to work, but my doctors wouldn't permit it. I was terminated but not without this company continuing to pay me XXXX for 2 years plus. I wrote a letter to the property manager at that time to let her know that I will no longer be staying on property due to the termination. It was approved and due to me working there I didn't have to sign a lease like a new resident. Once my XXXX stop 2 years plus later, I started receiving letters stating that I owe {$1400.00}. This is false and I don't owe them anything.
Product: Mortgage

I financed a mobile home in XX/XX/XXXX with Green Tree. The amount financed was {$30000.00} and as of XX/XX/XXXX I have already paid Green Tree {$68000.00}. The principal balance is {$21000.00}. I have a copy of my Green Tree payment history and on several of my payments {$0.00} went toward principal. This does n't seem right to me. According to Green Tree I still owe another 15 years at which point I will have paid them over {$140000.00}! I was inexperienced in Mortgages when I took the loan and did not realize that I would be paying so much interest. I talked to them about refinancing and Green Tree said they do n't do that. I ca n't sale my mobile home because I owe much more than the value of it. Could someone please look into this and let me know if there is anything I can do about this?
Product: Credit card or prepaid card

Good Morning. My name is XXXX XXXX. I received an email stating that Chase was closing my Amazon Visa signature account. I have attached a portion of the letter. 

The only account with a high revolving balance is my XXXX XXXX Card. I use that card religiously and pay it a lot each month. My other cards are under 30 % The only requests for credit pulls is Chase pulling my credit 3 times within a 30 day period. I have never not paid my bill at all. This account has been opened for less than 30 days. CHase pulled my credit on XX/XX/20, JPMCB pulled my credit on XX/XX/20, and Chase pulled my credit on XX/XX/20. My score on XXXX  is a XXXX. It would be higher if Chase didn't pull my credit 3 times in a month. I don't know why XXXX XXXX takes so long to update but my balance with them is XXXX. 

I feel that the review is unfair and I am not happy about it at all. I feel like Chase just wanted a reason to close the account and discriminate against me. I would like this decision reconsidered seriously. I tried to call the reconsideration line and it wasn't open. I haven't even gotten my first bill yet in order to pay it and prove myself. 

I was planning on going into the branch on Monday and open up a business account so that I could establish my business with Chase. I am not sure if I will do that right now. I am a bit stunned that this is what I woke up to. I came to chase because my parents have a mortgage with you. My mom has a card with you and I am an AU. I have been wanting to get in the door and this is a beginner card with me. XXXX and XXXX have been better with me and have treated me fairly and right. They haven't done this to me at all. Yet Chase closes my account. Someone from the Reconsideration line had me on the phone for almost an hour to get this account approved. They looked at my balances and everything. Same for the temporary credit limit increase. THis isn't right. I take care of my credit. I have worked hard to get to this point. Any company is lucky to have me because I use my card, I pay my balances, and I pay way before the due date. I take my responsibility very seriously. 

I appreciate this being rectified.
Product: Checking or savings account

On XX/XX/XXXX, a family member called and asked if he could send me money using XXXX and said he would take it off XXXX XXXX. I didnt realize that could be considered fraud. The next day, Wells Fargo contacted me saying there was fraud on my account. I was told my account would be investigated for 10 days, but I was still allowed to use it. Then, without a full explanation, my account was closed. 

I tried calling Wells Fargo for answers, and they told me to go in person. When I went to the branch, they told me I had to call the fraud department instead. I was transferred around and never received a clear answer. I was not given a chance to explain my side or resolve the issue. 

I also had a joint account with my dad, and when he went to the bank, they told him that the account was overdrafted by {$2400.00}. He tried to remove himself from the joint account, but the bank said the balance had to be paid first. He became upset because he had nothing to do with the situation, and now its affecting both of us. I was told that if this isnt disputed, someone will be held responsible for the fraud and have to pay the money back. 

I feel like I was not given the chance to properly dispute the situation, and now it is causing stress between me and my family, as well as hurting my ability to manage my finances.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX