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

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My accounts 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/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. These account are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

This is not a duplicate request or complaint. 

I made an agreement with " XXXX  XXXX, XXXX '' 's affiliate, " Stoneleigh Recovery Associates ''. The agreement included my promise to remit {$720.00}, payable to " Stoneleigh Recovery Associates '', check # XXXX, dated XX/XX/2019. XXXX  XXXX ' affilate informed me that this payment will be accepted and processed as " payment in full '' for the account they acquired from another lender. 

I was also informed that my credit file with all 3 major credit bureaus, XXXX, XXXX, and XXXX  would be updated to reflect that this account was satisfied and/or deleted. 

The payment was remitted, deposited and the funds have cleared. ( see docs attached, check front and back, check payment confirmation from online account ). 

The collection agency, XXXX  XXXX, XXXX/ Stoneleigh Recovery Associates have defaulted on our agreement. They have not held up their promise, an agreement we made to resolve this debt. As of this moment, the item in question - " XXXX  XXXX, XXXX '' is still being reported as an unpaid collection on my credit files. The item has negatively impacted my ability to secure lending. 

XXXX XXXX, XXXX/Stoneleigh Recovery Associates has intentionally breached our verbal contract agreement, abandoning their commitment after receiving payment.
Product: Checking or savings account

Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s )  must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 

2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. 

Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. 

When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. 

I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. 

Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established.
Product: Prepaid card

Every time I try and purchase something with the gift card, it declines. I checked the gift card on the website and it says I have {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion today to inform them that I had been a victim of their data breach and that there are some negative inquiries that are on my credit report. The first customer service rep said im sorry then hung up on me, the second would not help me in taking care of these issues. I did not authorize any of these inquiries and I would please like them removed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and Experian ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

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

Equifax refused after I sent them proof to remove a revolving " business '' account from my " personal '' credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Santander Consumer USA does not provide refinancing for existing customers for car loans. They do however refinance for new customers. The existing customers have to be tricked to go to a dealership to refinance, but the dealership stated it is not possible with the prime loan.
Product: Credit reporting or other personal consumer reports

Experian uses unproven materials in its reports!!! 
I've tried to get this corrected, but company refuses to co-operate. 
Unproven and inaccurate information used! 
This is a complaint against EXPERIAN!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 ) addresses are in correct. Only  one that    should be on file is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect onl y one t hat should be on their is     XXXX   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

It's my understanding that FCRA 605B necessitates the elimination of any mistaken accounts from my credit report. Could you kindly review the documents? I've noticed inaccuracies in some of the listed accounts, which is causing me some discomfort.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  Account Number:XXXXXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX 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 has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Student loan

Nelnet has removed my access to view any relevant information about my student loans including critical disclosures and any balance/debt attached to my name. 

I have submitted numerous requests and have been prompted to reset my password, which I have, and I am still unable to access my account information - this access was removed after submitted previous complaints about the same company. 

I have even contacted support to no avail. I need to be able to access my student loan information in order to understand and monitor their balances, especially after submitting complaint previously about the same company. Any assistance in restoring my ability to access my account is appreciated.
Product: Debt collection

Receivable s Perfor  mance refu ses to remove a debt that has been paid off since  XXXX   XXXX ,  2012 . The original debt was with  XXXX  who, once paid, removed the entry from my credit within 90 days as they said they would. This company though says that they do not and will not remove this entry from my credit even though it 's adversely effecting my credit in a paid status. When you call they put you on silent holds or just let the phone ring. They treat you, even when you have paid the debt, as though you belong in debtor 's prison and you are wasting their precious time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} XXXX XXXX
Product: Mortgage

I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to experian disputing an item on my credit file on XX/XX/XXXX. They did not acknowledge nor respond to the letter. On XX/XX/XXXX I mailed a second letter to experian advising them of my rights under the FCRA dispute Act. Instead of deleting the item as required by law, they acted on the XX/XX/XXXX letter which, by the date of their response was 55 days later. They are obligated to delete this item according to FCRA Sect 611 ( a ) ( 5 ). Instead they updated information on the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was 2 glitches with Trans Union and account was taken off the re added without me being notified. This is illegal
Product: Debt collection

This company IC Systems is violating my rights under the FDCPA and the FCRA. I have never contracted nor have done any business with them. They are reporting an account # XXXX on my credit report that I have zero idea about. I sent them a letter requesting a copy of an agreement with them that I owe or agreed to pay them with my signature and they have not provided such document. I demand that they cease and desist communication and immediately remove this account from my credit reports or I will proceed with a lawsuit.