23daVinci/CFPB_Complaints huggingface dataset:
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 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/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX on XX/XX/2021 I contacted TransUnion Credit Report Agency about my credit score. I ask why I couldn't see my credit score when I login to my account. The reply was you need to pay to see your credit score. I responded by saying XXXX and XXXX you don't have to pay. They again said pay a fee and get it. I told them that I am not paying for something that the other 2 agencies are giving for FREE. I told them to get with the program and send my request up the chain of command.
Product: Payday loan, title loan, personal loan, or advance loan

Good Morning, and thank you for reading my email. I recently checked my credit report while contemplating applying for a business credit card, and it was brought to my attention that there was a hard inquiry from an institution called " One Main Financial '' dated XX/XX/2023. 
As I recall at the time, I was thinking of applying for a small personal loan through my Credit Karma account, however I never actually went through with an official application due to the potential ramifications on my overall credit. For some reason now, I am finding myself with a hard inquiry on my credit report which is limiting my borrowing ability as a small business medical practice owner. 
Here is the information from One Main Financial as listed on my XXXX XXXX account : ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX XXXX
Product: Debt collection

I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX TransUnion and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Product: Checking or savings account

I am the executor of each of my parents estates, i.e. Executor for the Estate of XXXX XXXX XXXX XXXX and Executor for the Estate of XXXX XXXX XXXX. 

I sent emails to CapitalOne360 asking to close my parents ' account and to send the closing check for their money on deposit of over {$18000.00} held in the account number XXXX to my law office address. 

The Bank -- CapitalOne360 never responded to my repeated emails and we did not receive the funds.
Product: Debt collection

I ordered an item from a catalog from XXXX. I received the item and the invoice. I mailed my check on XX/XX/21 ( it was due XX/XX/21 ) to the address provided to me. It was not cashed until XX/XX/21. When I went to my bank ( XXXX  ) I was told that the way the company deposited the check, my bank is not able to get a copy. 
I was billed a late fee, I tried calling the phone # provided and it would just disconnect. I then started receiving letters from Comenity bank to pay additional late fees. I have written 2 correspondence trying to resolve the issue. That I had paid for the product as soon as I received it. I'm an older man and have an excellent credit report. I do not pay my bills late. 
This company is gouging me with late fees. I sent my payment in time, and now they have added 5 months of late fees plus extra charges, even though I have tried to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX ( Car Dealer ) uses predatory practices towards the elderly ( my Mother ). My mother is XXXX XXXX ( and has had failing XXXX for the past 7 years. Dealer has solicited her and been talking her into taking a new car, under a reoccurring LEASE every 1 - 2 years. I live in CO and she lives in CA. She can no longer drive or take care of herself and need to move her to CO into assisted living. The payments have also incrementally increased to where she is paying close to $ XXXX on a lease of a Kia XXXX. The going rate for a lease on this car is closer to $ XXXX. Currently, she owes {$36000.00} on a car that is only valued at {$26000.00}. Dealer said they bare no responsibility and that changing out leases every year is a norm ( he indicated he did it himself, but then backtracked when I asked if he would put that in writing ). A very nice sales rep XXXX XXXX XXXX XXXX noted that there are records of their sales staff soliciting her to trade in every year. 
Here is the breakdown : XXXX XXXX a new Kia XXXX  XXXX finishes out lease ) - No issues w/ this lease. 
XXXX New Lease on XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX ( XXXX ) - Solicited for new lease on new XXXX- She signs on Total owed to terminate current Lease {$22000.00} ( will not own anything at end ) Current buy out for latest vehicle- {$36000.00} Current car worth ( XXXX ) - {$26000.00} Lease payment : {$670.00} for 48 months starting XX/XX/XXXX Multiple calls with XXXX XXXX. My husband took a trip to CA and tried to speak with the owner XXXX XXXX ( would not see him ), the GM ( would not talk to him ), and finally the Sales manager ( XXXX XXXX XXXX whom he spoke with. He claimed no responsibility and said that if she passes, to supply the Leasing company a death certificate and that they would then allow for a resolution. Also tried to insinuate that yearly car exchanges as part of a lease are the norm ( said he did it himself, until my husband asked if he would put it in writing and he backed off ).
Product: Debt collection

The company in questions XXXX, aka Columbia Debt Recovery LLC, is now contacted me for the 3rd time to attempt to collect a debt that was 1. never my debt, 2. rental property I was a co-signer on during the covid epedemic, 3. was paid in full by CA Covid-19 rent relief program to the tune of {$39000.00}. 

I have written to XXXX and requested any information showing the reason for the requested amount of {$27000.00} ( which includes a interest charge of {$3200.00}. To date, I have received zero response and I am not receiving a 3rd notice of intent. 

My son lived at the property in question and unfortunately was there during covid. He requested help from the rent relief in place at the time, and was approved. His rent was covered entirely, and the management company received full payment in the amount of {$39000.00}. When the stay in place order was lifted, he moved out of the property. My obligation as co-sign ended when the lease ended and there was NEVER a new lease signed. My obligation ended in XX/XX/scrub> 2021. The property was paid in full prior to his moving - there was no additional money owed.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance Owed : {$0.00}
Product: Checking or savings account

1. I have a business account ( ending in XXXX ) with Huntington, and between the end of XX/XX/XXXX and and XX/XX/XXXX I was charged multiple overdraft fees, sometimes 3-4 times in one day. 
I deposited some money, but some of those fees have not been refunded. 
For example : on XX/XX/XXXX I was charged 3 times This is excessive overdraft fee charges. 
When I opened my business account 3 years ago I was told by the banker if I want overdraft protection, and I said no, which means I opted out. 
It looks like this banker just lied to me, making me believe that if my balance was 0, the payments would no go through. 
I made a lot of returns between XXXX and XXXX, and the refunds were hold for 4-5 days, and this actually caused my account to go into a negative balance. 
The refunds were delayed and rearranged in a way to make my account to go into overdraft. This is against the law, and I know you were sued for this reason and excessive overdraft fees. 
2. There are also 2 International Debit card Transaction fees as follows. 
XX/XX/XXXX {$2.00} and {$.00} on XX/XX/XXXX I have no idea why I was charged. I have never used my card anywhere outside of the US.

I want those 2 fees refunded. 

I have called your customer service phone number many times, but I was put on hold for 20-30 minutes and no one answered. 
I want all the overdraft fees refunded., and the international fees as well.
Product: Mortgage

I have always made additional principal payments to my mortgage account and have started making multiple payments per month. Since XX/XX/2022, this company has been applying payments incorrectly. I have multiple phone calls trying to resolve this issue and get varying responses, including it takes " cashiering '' 60 days to resolve issues, I'm escalating this, and that it's my fault for not using their online bill pay. I am also sending them a Notice of Error. Every payment that is made is compounding the problem. I also am not sure that when they do finally post a principal only payment correctly that they are also adjusting interest and principal on the actual mortgage payment for the error correction. 

The information provided by SPS is woefully lacking. There is no online transaction history, the transaction history they provide is difficult to use because there are no tracking numbers, and I can't even make an escrow shortage payment without giving the company banking information. I do not want them to have any access to my bank account. The only way I can tell, in real time, that they've made errors yet again in posting is to look at what month they say my next payment is due. Currently, I anticipate paying XXXX at the end of the month but the website says the next payment due is in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the XXXX XXXX format if there are any discrepancies with what is reported to the credit agencies Trans Union, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found out from XXXX that XXXX XXXX Card Services, XXXX XXXX Executive office conducted two investigations into my accounts. Neither XXXX nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with XXXX yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.
Product: Money transfer, virtual currency, or money service

Got sent XXXX to old account. They won't give it to me because it's an old account but they won't give it back to the sender either.
Product: Payday loan, title loan, or personal loan

I applied for a line of credit to finance my furniture. The products I received malfunctioned shortly thereafter, and I cancelled the order and returned the items. I no longer have an account, nor am I associated with this company in anyway.
Product: Money transfer, virtual currency, or money service

Bank of America fraudulent XXXX transfers with no way of retrieving the funds back. No notice confirming recipient, fraudulent access to my account that lead to these transfers with no protection
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Discover in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. Discover is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with Discover.
Product: Credit card or prepaid card

I was in the hospital with covid 19 for two months the company sent me a security identification update while I was in the hospital to verify that I was really me, kind of strange but they did through a third party credit reporting company. this was after having my account for few months. I called the company to explain what happen and they just said sorry we cant help you. my account was closed and reported negatively on credit report. I asked them to reopen the account or remove it from credit report they said i was in good standing with payments on time etc, but because I didn't responded to the secured question they were unable to help me.
Product: Prepaid card

Around XXXX XXXX  on XXXX XXXX, I trued accessing my online account to access my account balance but the app was malfunctioning. When I called the toll- free number XXXX, the system will not allow me to access my information despite me verifying my identity. Also, I was put in hold for a long time so I was unable to access my account info.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company carried them out without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the discovery of fraudulent activity on my consumer report. Upon reviewing a recent copy, I found that I have been a victim of identity theft by XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX reporting that I owe them {$2300.00} on account number XXXX. This alarming situation violates federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which prohibit the unauthorized use of another individuals identifying information. These offenses constitute felonies punishable by up to two years of imprisonment, in addition to civil liability. Unauthorized Accounts and Legal Violations During my review, I identified this account on my consumer report that I did not open, authorize, or recognize nor contract with. I have never provided written authorization for these accounts to appear on my report, as required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies may only furnish reports under specific circumstances, including when : 1. The consumer initiates the transaction. 2. The consumer provides written instructions. Since I have not authorized these accounts, their inclusion on my report is a violation of federal law. Violation of Privacy and Coercion The presence of these unauthorized accounts also infringes upon my right to privacy. These false debts have been publicized without my consent, exposing me to unwarranted scrutiny and harm. Further, 15 U.S.C. 1692d prohibits the advertisement of debts as a means to coerce payment. The continued reporting of these accounts not only violates this statute but also creates unnecessary financial and emotional distress. Impact on Mental Health This situation has caused severe harm to my XXXX XXXX, as I am currently in the process of purchasing a home for my family. The fraudulent accounts have disrupted this process, causing significant XXXX  and emotional strain which resulted in medication being prescribe to me. These inaccuracies have made it difficult for me to move forward with important life decisions and responsibilities. Requested Actions To resolve this matter, I request the following actions : 1. Immediate Removal : Delete all fraudulent accounts from my consumer report. 2. Notification of Third Parties : Notify all third parties that have accessed my report of the corrections made. 3. Written Confirmation : Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i. Failure to address these issues promptly will leave me no choice but to contact the state attorney generals office. I also reserve the right to pursue legal action to protect my rights and seek compensation for the harm caused. Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.
Product: Credit card or prepaid card

In XXXX of 2020 an unknown person opened a XXXX account and used my credit card information. This individual racked up nearly {$500.00} in charges on this XXXX account across multiple transactions. 

I opened a dispute for each of them believing the ordeal was over because no further correspondence was received. 

If you look at the shipments associated with the fraud they were not sent or received in the state which I reside or any other transactions for my credit card had been used further suggesting fraud but Citi ignored this. XXXX responded to the chargeback stating that per the XXXX terms and conditions I was required to report fraud within 15 days or accept the charges. Citi failed to properly notify me of the response and accepted the explanation that a 3rd party accepting the XXXX Terms on a new account should bind me to the XXXX Terms and Conditions Citi accepted this response and applied multiple charges to my account effectively reversing their conditional credits. I was later told that I didn't receive notice via mail due to being enrolled in Paperless Billing. If I go to the Citi Dispute Center most of the chargebacks don't show up and none of them show the outcome. 

This is deceptive trade practices designed to give merchants the ability to use automatic chargeback responses as a way to get a small percent of charges to stick. Citi in turn unfairly profits from the fraud. 

XX/XX/2020 - XXXX - {$48.00} XX/XX/2020 - XXXX - {$1.00} XX/XX/2020 - XXXX - XXXX XX/XX/2020 - XXXX - {$36.00} XX/XX/2020 - XXXX - {$370.00}
Product: Debt collection

Santander fraud was opened on XX/XX/2020. I have tried contacting this company several times via affidavit of truth sent directly to the consumer relations department over the past year and they have not sent me the title to my vehicle or my information which has been reporting to the consumer reporting agencies, even after I have sent them numerous notarized documents proving that this alleged debt did not belong to me and was a part of identify theft.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved.

The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report.

If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.