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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent this company notice requesting verification of a debt that appeared on my consumer report indicating that I owed them money. It has been more than 5 days and this company has never provided me with any information as it pertains to this alleged debt. Seeking assistance in having this account removed from my consumer profile has it is harming my ability to secure credit products with a fraudulent account reporting. This company is violating a wide variety of federal laws.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Synchrony Care Credit regarding an unauthorized charge, deceptive marketing practices, and unfair debt collection tactics on my credit report for the amount of {$410.00}. I have attempted to contact the company by way of phone calls and letters. But my concerns were ignored/ unsuccessfully addressed. 
SIncerely, XXXX XXXX
Product: Credit card or prepaid card

I have a loan with Amex. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Amex with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715. 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO U.S.C 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

THESE COMPANIES ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ; 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1666B
Product: Debt collection

I received a letter from the XXXX XXXX XXXX XXXX XXXX. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 First I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked MrXXXX XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the XXXX XXXX XXXX XXXX XXXX XXXX, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.
Product: Credit card or prepaid card

I opened a credit card account with Citi for Double Cash Back awards advertised on XXXX  XXXX  and multiple other sites rating it as the best cash back awards credit card. I was awarded 1 % for purchase, but did not receive the additional 1 % when I paid the balance on XX/XX/2021. After 8 days, I contacted Citi executive customer service via email and received an automated response. One week later I still had not received the additional 1 % for paid balance nor had I received an explanation from Citi. I then sent another email with a print screen of the Double Cash Back offer to Citi including XXXX XXXX, XXXX XXXX and XXXX XXXX - corporate executives with Citi. I received a generic response from Citi customer service which did not address the issue of the additional 1 % I had inquired about. I then contacted XXXX XXXX to complain about the high rating they give Citi for Double Cash Back with a print screen from my account showing I received 1 % for purchase but did not receive the additional 1 % for payment as is advertised and I copied Citi Executive Customer Service and corporate leadership. XXXX XXXX replied promptly and apologized but referred me to Citi - Citi has not awarded the points for payment nor have they provided an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from Chase 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from XXXX  dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with XXXX  as being a Chase account, with also the name XXXX XXXX   attached to it. Now, it is on this report showing no mention of Chase ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report.  Here only XXXX XXXX is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing JPMCB Home Lending!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XX/XX/XXXX. This Chase or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that Chase from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut Chase and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by Chase. On Thursday XX/XX/XXXX I called the resource center ( XXXX ) at XXXX XXXX and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX XXXX does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX XXXX look up also shows XXXX XXXX   has no association with this illegal foreclosure " account '' on my home. Chase attorney also claims to be representing XXXX XXXX ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY CHASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX acoount # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Product: Credit reporting, credit repair services, or other personal consumer reports

An eviction record has been placed on my report.   I was not evicted and the lease was terminated through a bankruptcy proceeding.   Bankruptcy case #  XXXX .   Bankruptcy case was officially discharged.   Local eviction case was dismissed in local court but the record is still showing on my report.   Apartment community  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX , GA  XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Wells Fargo credit card. XXXX said my XXXX XXXX was XXXX. Since I wanted to pay my bill online XXXX did deposits of {$0.00} and {$0.00}. and a withdrawal of {$0.00} from my XXXX XXXX  XXXX XXXX checking account. These transactions were successful. In XXXX I paid my bill online. In XXXX I saw the XXXX bill did not go through. I called XXXX and paid both months in full. A few weeks later I received a late notice from XXXX. I called XXXX and they said I did not have an account at Alaska. I have had the XXXX  account for about 15 years and use it for online bill paying. I decided to pay the bill from my husband 's account at XXXX. XXXX said all was well and the bill was paid. Each time we talked to XXXX they wanted the XXXX and account number. I now know they also needed the XXXX digits between the XXXX and the account numbI have made XXXX phone calls and XXXX inperson visits in an attempt to fix the problem.er. In XXXX I saw that none of the XXXX bills along with XXXX other pills on auto pay from XXXX did not go thru. I went to the XXXX bank in person and paid the bill from my XXXX  account. The check cleared. I am now getting notices that my XXXX XXXX has been adversely affected by XXXX. I will be signing papers for a new vehicle in a few days. I live in Arizona and my insurance company. says my rates may go up for 6 months due to XXXX.
Product: Payday loan, title loan, or personal loan

This company states that I wrote the check on  XXXX / XXXX / 2013 . They are now trying to take me to court. I have tried explaining that I am on  XXXX  and do not have the funds to pay them up-front, but I would gladly make payment arrangements. They would not accept my offer. Today I was contacted by a Law Firm stating I was being taken to court. I ca n't afford this and the SOL date has passed.
Product: Student loan

A little over a year ago my student loan was taken by Fed Loan Servicing and I filed the paper work for the Student loan Public service payment plan XX/XX/XXXX came time to file again XX/XX/XXXX and I have submitted the same paper work again and forced on forbearance for months while interest accrued, the company said " you did n't submit the correct paperwork, XXXX, pay stubs, etc .... '' can not talk to anyone their because every person has a different answer, I am a single father working in XXXX, working or trying to work towards student loan forgiveness plan. I was making XXXX payments, now have over XXXX in interest payments and still no payment plan in site!!!!!!!!
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

I received a call from Dynamic Recovery Solutions ( XXXX, SC ). I was informed that I owe a debt that dates from 1989. I informed them that I did not recall said debt. In addition, I informed them of NYS law regarding statue of limitations ( 6 years ). I received mail attempting to collect debt.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the XXXX. 

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the XXXX. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit card

I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!
Product: Debt collection

I reached out to Merchants Credit Guide on XX/XX/2020. Spoke with Miss XXXX OP ID XXXX in regards to ( 2 collection accounts for medical services. ) The original debtor and the collection agency mentioned above have failed to comply with FCRA regulations to notify of debt so I can attempt to dispute if needed. I never received anything. I reached out today to request verification of debt. They would not send the information requested. I have asked that because I was not notified and the debt was unjustly reported to the credit agencies that this debt be removed. I have verified that I do owe this debt and it was missed. However, the debt was not properly reported to me allowing me an opportunity to dispute or resolve. I offered to pay Miss XXXX today, in full, as long as she can provide me something in writing that states these debts would be removed from all 3-trade lines. She indicated that today they are actually offering that to all accounts paid to XXXX  and there cause for offering this is because of the Corona Virus and they are trying to help people out given the current circumstances across the country but cant provide me that in writing. She stated, " Oh no they wouldn't put that in writing ''. Therefore, she is telling me they will remove the debt from the trade lines, but can not put that in writing to offer validation of statement. According to Miss XXXX she advised her supervisor Mr. XXXX and either her or Mr. XXXX would be calling me back today. 
It is now XXXX Eastern time on XX/XX/2020 and I have not heard from them. 

Therefore, I demand that the accounts held by : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the single amounts of : {$160.00} and {$300.00} For XXXX XXXX XXXX of XXXX XXXX XXXX XXXX KY Be removed from my credit report in an effort to make my credit report whole and true such as it did prior to these debts being reported and unjustly so. 
If Merchants is willing to provide me with a letter stating that once these debts are paid in full the 2 collection accounts will be removed from my credit report at all three trade lines in an effort to make my credit report whole again as explained above. Then and only then will I provide payment.