23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have had two loans with the creditor, Money Stash. The first loan was started in XXXX of XXXX for {$880.00}. I made a few of the payments, however reached a point where I could no longer stay on the payment schedule. I tried working with the creditor on more of a hardship plan, however could not reach an agreement on an amount. 

Eventually in XXXX of XXXX, the account was referred to a collection agency the creditor partners with, XXXX XXXX XXXXXXXX. The collection company and I agreed to a payment plan, and I was able to make payments until it was eventually settled in XXXXXXXX XXXX XXXX 

The second loan was taken on XX/XX/XXXX. I was in an emergency situation with my rent, and in hindsight should never have agreed to this second loan with the creditor ( that was my mistake ). I could not make the payments ; eventually this account was sent out to the same collection agency, XXXX XXXX XXXX 

Similarly as with the first loan, XXXXXXXX XXXX XXXXXXXX and I agreed to a payment plan, I started making payments on this account in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX weeks. 

In XXXX, I was unable to make the {$50.00} pmt on XX/XX/XXXX, I had asked XXXX XXXX XXXX if I could make a double payment ( {$100.00} ) on XX/XX/XXXX instead. This request was accepted, but unfortunately I wasn't able to make that payment as I was late on my rent in XXXX XXXX XXXX XXXX XXXX XXXXXXXX and had to catch up, paying the late fees. 
I reached out to XXXXXXXX XXXX XXXXXXXX last week, XX/XX/XXXX to see if I could make a payment on XX/XX/XXXX. Further, I advised I would be able to make an additional {$50.00} payment on XX/XX/XXXX, and then a {$100.00} payment on XX/XX/XXXX, essentially " catching up '' on my payment plan. On XX/XX/XXXX I called to make a {$50.00} payment, but no one at XXXXXXXX XXXX XXXXXXXX took my call. 

I called again this morning, XX/XX/XXXX, to make my {$50.00} payment. In a lengthy discuss with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was made aware amount I could do, {$50.00}, would not be accepted. I was further threatened that payment amounts would be increased, whether I could afford it or not.
Product: Credit reporting or other personal consumer reports

My account with 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 me 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. 


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, credit repair services, or other personal consumer reports

I was alert by credit karma that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.
Product: Vehicle loan or lease

My vehicle repossessed and I wasnt 60 days behind on payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
Product: Checking or savings account

Dear Sir or Madam : I opened a business account for Florida XXXX XXXX XXXX XXXX at the Fifth Third Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This account was opened because they promised great customer service and a personal experience. Opening this account was a very long process that took well over a hour. I deposited {$60.00} into my account and was told they had all the information and paperwork they needed. 

After opening the account, they informed me it would take 90 days to obtain a credit card, which was a large contributing factor into opening the account. I called the representative that promised the personal service. I called his direct number, and left a message for him to call. He never returned my call. I called the bank manager, and her supervisor, only to leave messages, and I did not receive a call back. At this point I decided to close the account. 

I was finally able to take the time to go into the branch and close the account, only to be informed it was already closed. They closed the account without notification, sighting they did not have all the documentation they needed. I was told by the bank manager they would mail me a check within 30 days. The check did not arrive. I was told by the branch manager, that there was a mistake made, and I had to wait an additional 30 days for my check.

I am not sure of the exact date, due to not having any records of the account. I have repeatedly requested this information form Fifth Third Bank, they say they sent it, but I have yet to receive it. Additionally, they said three times, that they sent a check for the {$60.00}, yet again, I have not received it.

At this time, I would like to file a formal complaint, and request a check for {$60.00} plus interest. I am out a total of 4.5 hours of my time dealing with this. Please call me at the number below if you have any questions. 

Thank you for your time and consideration.
Product: Debt collection

I RECEIVED AN ALERT VIA MY CREDIT MONITORING, THAT I HAVE A NEW DEBT WIT H TEK COLLECT, INC. TH EY NEVER GAVE ME NOTICE OF THIS DEBT. INFORMING ME OF MY RIGHT TO DISPUTE THIS DEBT OR WHAT THIS DEBT IS FOR. I HAVE MAILED THEM CORRESPONDENCE STATING THIS WITH THE EXPECTATION OF A PROMPT DELETION SINCE THEY ARE IN DIRECT VIOLATION OF FCRA. I DO NOT ACKNOWLEDGE THIS DEBT NOR DO I KNOW WHAT THIS ALLEGED DEBT IS FOR.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for misreporting credit as income, which I believe violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Fair Credit Reporting Act ( FCRA ) Section 607 of the FCRA mandates that credit reporting agencies and companies must report accurate and complete information. By including credit as income, the company is providing inaccurate information, violating my rights under the FCRA. 

Truth in Lending Act ( TILA ) Under TILA, financial institutions are required to provide clear and accurate disclosures to consumers. Reporting credit as income violates this principle because it misrepresents my true financial situation to potential creditors. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Under Dodd-Frank Wall Street Reform and Consumer Protection Act, which created the CFPB, it is prohibited for companies to engage in unfair or deceptive practices. Misreporting credit as income is a deceptive practice that can mislead lenders and harm consumers. 

Under IRS Tax Code, specifically Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), canceled debt is generally considered taxable income. However, this does not mean that canceled debt should be classified as income in the context of a credit report. 

Form 1099-C : When a creditor cancels {$600.00} or more of debt, they are required to file a 1099-C with the IRS, and the canceled amount may be reported as income for tax purposes. 

IRS Form 1099-C ( Cancellation of Debt ) : The 1099-C reports canceled debt as income for tax filing purposes, but it is not actual income ( i.e., wages or earnings ). It is treated as income for tax calculation but is not reflective of the consumers regular income stream for creditworthiness purposes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of $ XXXX.This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 77e and 15 U.S Code 1691E 9-15.By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations , I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within XXXX  days from the date of this notice. I look forward to your response
Product: Checking or savings account

I have been trying to close my Huntington XXXX XXXX account for the past month. I have attempted to close it via chat and was told they couldn't close it via chat but to call in. I then called in on XX/XX/2022 and was told they can not close it over the phone and I would have to come into a branch. I explained that I would rather not since I have a compromised immune system. I asked if there were any alternatives like an address to send a letter to asking to close it. She was not able to provide an address. I would just like to close my account without getting COVID. I'm appalled that in 2022 this is the only way I can close my account and make sure I don't get dinged with dormancy/monthly fees. If this is how they plan on making money as a business It's a little crazy.
Product: Debt collection

A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. 

On their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. 

On XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. 

Today, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. 

I have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

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

My Equifax credit report shows 1 unauthorized credit inquiries ; XXXX XXXX XX/XX/2019. Please have this inquiries removed from my credit file immediately, as it is in fact, unauthorized and fraudulent inquiries. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally unverified and unauthorized accounts MUST be removed. This is my third attempt to remove this fraudulent inquiry with this company. I have not gotten investigation results for the reason why inquiry isnt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
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 a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 
-Please remove all non-account holding inquiries over 30 days old. 
-Please add a Promotional Suppression to my credit file.

-Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX DL number : XXXX XXXX XXXX XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit card

I bought a new expensive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Wayfair on my card CITIBank NA credit card for {$3500.00} on XX/XX/year> under transaction. In addition to the purchase of the gazebo, I paid for its installation. To make was required to pay the installers more that I was originally charged. I naturally expected that the gazebo would work as designed and intended. Unfortunately, this didnt happen with my order. In fact, the gazebo could not be completely erected because all of the parts were not included in the kit. Specifically, the roof brackets were not included in the shipment, so there is no roof on the gazebo. I now have four poles in the ground that can not become a gazebo because Wayfair refuses to provide the missing parts. 
I made several attempts to clear up this matter with Wayfair. I was told that they would send me the part but they never have. I asked them if they could take the parts out of another kit but they refused to do that On XX/XX/year> Wayfair/CITI refunded me {$650.00} supposedly as an inconvenience settlement. This did not work because the roof brackets necessary for this gazebo are only made by the manufacturer and the manufacturer does not sell the parts individually. 
This structure is becoming a hazard because the panels are tearing. In addition, it will cost me to take down the product. In short, I have a product that is not as advertised and can not be used for its intended purpose. This gazebo came with a warranty that has not been honored. 
Under Georgia 's Uniform Commercial Code, if the seller advertises a product for a particular purpose, it must be usable for that purpose. Wayfair breached its express and implied warranty that came with my purchase of the gazebo and thus it is in breach of contract. 
As of the filing of this claim, Wayfair has not provided me with the missing roof brackets so I can complete the gazebo, nor made any counter-offer that would make me whole. 
In order to settle this matter, I make the following demands : ( XXXX ) Refund of the {$3500.00} purchase price, plus the cost paid to installers and the cost to have it taken down. I can only be made whole if I am put in the same position I would have been in had I not purchased the gazebo. 
( XXXX ) Wayfair CITI credit card must cease and desist all collection action on the purchase of gazebo purchase ( XXXX ) ) Wayfair CITI credit card must cease and desist from reporting to all credit reporting agencies including XXXX, XXXX and XXXX, any and all payment history that can logically be attributed to this purchase. If such reporting has already been made, they must be retracted and made to show Paid on time and Paid in full. 

Months XXXX and XXXX are showing past due when the company reversed the charges because product was never completed by Wayfair. Have documentation the charges and late fees were reversed. called and spoke with CBNA and the representative noted the charges will be reversed and XXXX and XXXX will show current
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to XXXX XXXX, XXXX  and XXXX. I contacted all three credit agencies about the fraudulent inquiries being reported to my credit report. Starting with the SYNCB Walmart National Credit Card Airlines inquiry on XX/XX/XXXX and another company called XXXX/XXXX  XXXX on XX/XX/XXXX on the exact same date. I thought it was removed after my first complaint until my credit alert informed me of more improper credit inquires from unknown sources with XXXX in XX/XX/XXXX, Credit Info located in XXXX XXXX, Il. on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. This is when I added the fraud alert again for these inquires in XXXX of XXXX with FTC. These companies are continuing to report on my credit report with XXXX XXXX, XXXX  and XXXX even after my numerous complaints. These inquires are incorrect and are not mine and are continuing to report on my credit report. I want all of these fraudulent inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo