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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late under any purpose
Product: Credit reporting

Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.
Product: Debt collection

On XX/XX/2020 i was garnished through my bank account i has revived two legal fees that day one for the said garnishment and XXXX for XXXX which i was given no reason i called the bank multiple times including corporate offices to get a different answer each time to find out after three days it was the bank who took the money. I then called the bank to ask why i was not informed of the garnishment and to which i was told they did not need to? After which i revived two letters from them at different times one stating that XXXX dollar fee would be charged to my account for this type of action if the available funds were there the other was a statement for my account stating that they overdrafted my account with the garnishment ( which is illegal in mi ) because they choose to take their fee 100 % befor taking the garnishment out. I have spoke with multiple people at different times asking to be reimbursed for the illegal action taken on my account to which i was told no they would do nothing they were in the right to do so. I then contacted my attorney and had them mail a letter asking to have this issue resolved after the three week dead line we have had no response from the bank by letter or phone to either my attorney or me. This just says to me that the bank can take your money even going against their own contract and not be held responsible
Product: Student loan

I see that now Fed are suing Navient which is one of my school loan providers are being sued for not taking complaints and working with us to have assistance in lower the repayments of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through Experian that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information being reported by the credit reporting agencies regarding the account with XXXX. The information being reported is inaccurate and in violation of my consumer rights under 15 U.S.C 1681e ( b ). 

The inaccuracies include discrepancies in the dates associated with the account : Date the account was opened Date of last payment Date last active Date it was last reported These inaccuracies are causing significant harm to my credit score and financial standing. As per federal law, credit reporting agencies are required to report accurate information and this account is not accurate. The discrepancies in the dates associated with the account with XXXX are a clear violation of this requirement. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate measures to ensure that the credit reporting agencies correct the inaccuracies in their reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I did a wire transfer of {$18000.00} from XXXX XXXX  to Gemini, but I realized that was a scam/fraud in XX/XX/2021, and submitted a recall on my bank right the way, my bank also tried multiple times to recall the money back from Gemini, but they never responded. It's been almost one month now, still no responses from Gemini. If they can response right the way when I reported on XX/XX/2021, it should be an easy return, But they never do anything until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the erroneous accounts be removed from my account. I do not own these account nor have I ever. The addresses on my report are incorrect I have provided proof of the address I have lived at for the past 14 years and still the information is being reported incorrectly. I have provided all the proof that is required to get these accounts removed. The company hasn't given proof accuracy of any of these accounts this completely goes against the FCRA. This is ruining my life!
Product: Credit card or prepaid card

Citi Bank closed my credit card account with no reason and before that I notice XXXX XXXX office that my son visited had charge my card twice on the same day XX/XX/2017. I did submit dispute online and hoping that was resolve when next billing statement comes in. It end up they closed my card and when I call about that and talked to Senior account specialist XXXX, that do n't want to supply his last name from Kentucky on theXX/XX/XXXX. He told me that he ca n't do anything for me. To avoid any fees involved, I went ahead paid for the whole amount that was not due yet. Hoping to get credit back from XXXX XXXX office. Since my son was out of town, I told him to call once he get back. He called XXXX XXXX office today and was told they only get paid once of {$75.00} .I would like Citi Bank investigate this matter and refund me {$75.00} by sending me a check. Since I paid Citi Bank for the two identical charge already. Thank you for your attention!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX American lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.
Product: Checking or savings account

I invested in my XXXX XXXX XXXX XXXX XXXX  and when it's time to withdraw they are blocking my account they asked for documents to be sent in to unblock my account and I've complied with all their request and sent all the documents and they are saying my account can't be unlocked I'm missing trades I lost access to my funds etc please assist me with XXXX and unblocking my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1600.00} on the XXXX XXXX partial account number ****XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a tradeline on my credit report that was fraudulently open I have a ftc report of identity theft and a police report on file Im asking can these accounts please be removed from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I recieved an email from Experian please log in to review my alert.When I logged on and view the alert, Experian message was that my FICO score has decreased 4 points with no explanation.Also, the message said to up your fico score i should use boost feature.OnXX/XX/2020, my FICO score increased 11 points.On XX/XX/2020, My FICO score increased another 11 points.On XX/XX/2020, My FICO increased another 9 points.On XX/XX/2020only 5 days later my FICO score decreased 4 points with no explanation.Something is wrong and I demand a Explanation why.It almost seems like Experian decreased me under 700 to use the boost feature.When I log onto Experian under alerts, IT does not give a detail explanation.When you view the credit report, that doesnt give a Explanation as well
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 days late. I also stated that I have previous credit reports from the [ Name of credit monitoring ] that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. Please see the following accounts : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX CHILD SUPPORT ENFORE XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a my XXXX  mastercard back in XXXX because my card was stolen. I have called the creditor and also sent letters. The card has always reported as closed and XXXX  balance. I disputed recently in XXXX with experian. Recently its now showing a balance of {$520.00}. The card has been closed for months how would a closed credit card carry a balance at all. I have never been able to use this card. The creditor Mr XXXX agreed to remove this from my report, I also have written letters directly to creditor. Experian was reporting two accounts from the same creditor one with XXXX balance and one with balance of {$520.00}. Also this is a closed account experience dropped my score 56 points and is including this balance in with my open credit card usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Theres a progressive credit account on my credit report that has been open fraudulently. I am a victim of identity theft. And this negative account is preventing me from purchasing a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX 2021, I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. The letter stated " we have received your request for a credit product with XXXX FINANCING issued by Synchrony Bank. '' The letter further stated that the request was denied as they were unable to access credit bureau due to freeze or lock. On XXXX XXXX XXXX, I sent a letter to Synchrony Bank via regular mail and certified mail informing Synchrony Bank that I am a victim of identity theft and that I did NOT apply for a credit product with XXXX XXXX and/or Synchrony Bank XXXX and I did NOT authorize anyone to apply for credit in my name. I asked the Bank to provide information regarding the application, identity documentation provided, and any pertinent information so that I could add this information to my Federal Trade Commission report and police department report. I also asked the Bank to confirm that the credit inquiry has been removed from my credit report. To date, I have not received a response from Synchrony Bank. They did not provide a telephone number or street address in their letter. I would like CFPB to intercede in this matter with the hope that the bank will provide the requested information.
Product: Debt collection

NOTE : There's not really any major dispute in events that I'm aware of, so for documents, I'll attach XXXXXXXX XXXX  own employee notes. The documents, fax receipts, or anything else I will produce upon request. 

I am writing to file a formal complaint against XXXX for their illegal foreclosure on my deceased mother 's house and their blatant disregard for my rights under the Real Estate Settlement Procedures Act ( RESPA ), particularly the XXXX update pertaining to successors in interest. 

Upon my mother 's passing, I promptly established contact with XXXX, despite it being their legal obligation to reach out to me. I inquired about the necessary steps and offered my mother 's power of attorney, which XXXX employees confirmed would grant me access to the account, as noted in their records. When this approach failed, I went through the probate process and faxed my probate documents to XXXX on XX/XX/XXXX. However, this effort was futile as it did not grant me access, and no one could provide an explanation. 

Throughout the months of missed payments, XXXX never attempted to contact me. The notice of default was addressed to my deceased mother, further complicating the situation. After the foreclosure, I repeatedly raised concerns with XXXX employees, emphasizing that it was illegal for them to refuse my payment despite my diligent efforts. I explicitly mentioned RESPA violations, but my concerns were consistently dismissed. 

On XX/XX/XXXX, the Friday before the auction, a XXXX employee finally decided to investigate the issue. After thorough examination, he identified that the unresolved issue from XX/XX/XXXX was my photo ID. Despite acknowledging the error, no accountability was taken, and the employee stated there was nothing he could do except advise me to apply for loss mitigation. 

I am a 100 % XXXX XXXX veteran, and losing my home to XXXXXXXX XXXX unlawful actions would strip me of approximately 30 % of my monthly income, which would now have to be allocated to rent. The actions of XXXX have caused indescribable damage to my life, preventing me from gaining closure on the most traumatic experience I have ever faced. I came to live here in XX/XX/XXXX to take care of my Currently, I am actively involved in a wrongful foreclosure lawsuit against XXXX. I am seeking the CFPB 's assistance in not only strengthening my lawsuit but also in establishing a claim for the maximum possible damages. I firmly believe that XXXXXXXX XXXX actions are in clear violation of RESPA and the XXXX update regarding successors in interest. 

I kindly request that the CFPB thoroughly investigate this matter and take appropriate action against XXXX. Their practices have not only caused me significant financial harm but also immense emotional distress. 

Thank you for your attention to this urgent matter.
Product: Payday loan, title loan, or personal loan

Personal loan taken from Island Finance on XX/XX/XXXX with maturity date XX/XX/XXXX. In XX/XX/XXXX after hurricane Maria while doing my payment over the phone the representative offered to skip up to 4 months of payments and extend the maturity date in the same proportion. I skipped 3 months and accepted to pay until XX/XX/XXXX. While doing my last payment they informed that the payoff is over {$2000.00} because of interests from the extension. The company is informing that if the total amount is not paid by XX/XX/XXXX then it is going to be reported to the credit bureau. They indicate that interest is calculated daily ( similar to revolving accounts ). The bank failed to disclose interest calculation. The company sold loans with grace period of 10 days but charge additional interests during that period in addition to the late fees. The bank failed to disclose the calculation in a monthly basis and waited 8 years to disclose the accumulated interests. I requested payment history several times and at this moment no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my report and security freeze from Accurint. I have yet to receive what I have initially requested from the company. I do not agree.