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  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> 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: Mortgage

My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.
Product: Student loan

I was in school from XXXX to XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX which is an accredited college. I am waiting for the XXXX semester to begin. EdFinancial is telling me that my loans are due NOW which is not true. With an in-school deferment, student loans are not due until a student graduates or attends school less that half-time and then the student has a 6 month grace period before the loans are due. So, technically, my student loans should not be due until XX/XX/XXXX. 
Every time I call I get a different story from EdFinancial. One representative stated she would send the correct information to her " back office '' so they would put my loans into in-school deferment. That did happen but the loans stated they were due on XX/XX/XXXX. While I am waiting for the XXXX semester to start, XXXX is telling me my loans are due now. No student has to pay student loans BETWEEN semesters! I want my student loans placed into in-school deferment with the 6-month grace period.
Product: Payday loan, title loan, or personal loan

This company has been calling me everyday since XX/XX/2019 .They leave voice mail after voice mail wanting payment which I do not have .This needs to stop and how can I pay this loan of with these fees like they are
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX XXXX XXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : TransUnion has confirmed that XXXX XXXX has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that XXXX XXXX continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiry fraudulent from my Transunion Credit Report : XXXX XXXX XX/XX/year>. Listed XXXX do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

I opened an account on XX/XX/XXXX under Citi Bank 's Checking Account promotion XXXX, which stipulated that once two Enhanced Direct Deposits were made to the checking account that totaled {$1500.00}, a promotion of {$300.00} would be made to the account within 30 days of the direct deposits. I made two separate ACH deposits on XX/XX/XXXX totaling over {$1500.00}. I contacted Citi Bank via letter, chat, and phone more than 8 times over the course of 4 months, and I was provided conflicting information every time. One representative told me that the promotion would be deposited within 5 days of my phone call ; another representative told me that I would need to wait 120 days from the account opening date. All representatives told me that I had satisfied the promotion eligibility criteria as of XX/XX/XXXX. 

On XX/XX/XXXX, a phone representative opened a research case for me after I complained that I had not yet received the promotion. I received a letter, in writing, dated XX/XX/XXXX, from Citibank client care. This letter confirmed that I had satisfied the promotion criteria, and advised me that I would receive the promotion within 30 days. Not only did this not happen, but as of XX/XX/XXXX, 30 days had already elapsed since my XX/XX/XXXX direct deposits. I called Citi Bank client care on XX/XX/XXXX, and the representative told me that I would need to wait XX/XX/XXXX to receive my promotion. 

I sent a letter to Citi Bank XXXX XXXX on XX/XX/XXXX requesting that they clarify the promotion criteria. I included copies of their XX/XX/XXXX letter and my account statement. They responded in an undated letter and wrote that they could not help me because I did not include my full account number in my letter. I called Citi Bank on XX/XX/XXXX ; again I was told that my account had satisfied the promotion criteria, and I was instructed to wait until XX/XX/XXXX. 

Today, on XX/XX/XXXX, more than 120 days after my account was opened, I contacted Citibank, and the representative told me that my account had never satisfied the promotion criteria. This was the first time anyone from Citi Bank had told me that my account did not satisfy the promotion criteria. The representative said she would open yet another research case for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specifically, I have requested twice now that Equifax delete and remove the comments on all of my student loan accounts. There are about 12 accounts that currently read, account dispute resolved, consumer disagrees, or consumer disputes after resolution. None of these statements, nor any statements of the like are true and correct. I never agreed nor have I ever expressed any of these statements to any bureau about these accounts. I have requested on multiple occasions that these statements and any alike statements be removed from my accounts reported on my credit file with your bureau and as of the date of this letter it has not been corrected nor removed. I also attempted to dispute these accounts via phone and was given a dispute file number, ( XXXX ) which still failed to delete the comments. This is unacceptable and needs to be correct immediately or I will sue their XXXX in my local court and collect {$1000.00} for every account that you have refused to correct. 
Additionally, I am having the same issue with my discover card account number XXXX currently says that it is an open account with a balance of {$1000.00}. This is also incorrect and has not been updated since XX/XX/2021. Not to mention this account is a duplicate account. They are reporting this same account twice, refuse to update the balance and refuse to correct it in my dispute.
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct @ XXXX and they have failed to do so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Mohela, my Loan Servicer paid off and discharged all of my loans due to PSLF and TEPSLF. The balance was {$0.00} and paid in full on my credit report. 
Yesterday, I noticed that on my XXXX report the loan balance was back and under XXXX XXXX XXXX XXXX XXXX with a balance of {$140000.00}. The MOHELA name was gone and this name was in its place. I called studentaid.gov and they are showing a XXXX balance as well. I have attached the confirmation that my loans were discharged/forgiven/canceled from the studentaid.gov website. I also spoke with a representative, XXXX, who also said my loan balance was {$0.00} and that I should contact the credit bureau and upload the letter of discharge/forgiveness. 
I did log into MOHELA last night and it said in red " Due to the status of your loan you may not access it via the website. Please call us. '' I did so today, twice, and the respective hold times were 94 minutes and 180 minutes. 
This is an egregious error that has impacted my credit report and ability to make any large purchases etc.
Product: Credit card or prepaid card

American Express serve has suspended my account onXXXX and denied me access to my account I asked if they could just send me my funds and close the account and was denied as well I was never notified of this but I need my money out of my account and just want to be done with this company I feel they are conducting fraud not just to me Ive seen most people like me that have gotten direct deposit from unemployment have gotten there account suspended and even deleted my online account. I have no access to my money and they will not help me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX for a week and have not received a callback. I have not authorized this company to pull my credit. its for XXXX XXXX. when I call they say they have no information but yet they reported me to TransUnion credit report. I have an inquiry on XX/XX/2019 this not from XXXX XXXX. XXXX sent me a letter but yet solved this problem. I need help getting this removed TransUnion needs a letter from the company as to remove this from my credit report. am not getting any help I been trying for last few months to take care of this. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have paid {$4900.00} over 21 months on a {$11000.00} loan, 17.99 % APR, 119 month term. Principal balance remains {$11000.00}, statements show {$0.00} to principal. Lender says interest accrues daily but wont provide payment schedule despite request. Terms imply amortization.
Product: Credit reporting

I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from XXXX and XXXX. Please see below the account that is reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Credit card or prepaid card

My social security number is XXXX. Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00} for two accounts. I appreciate Jefferson Capital Systems originally XXXX XXXX XXXX  accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was purchased by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was XXXX XXXX late on a payment. My XXXX  account is set to automatically make the payment on the XXXX of the XXXX and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived XXXX XXXX later, they applied it to the principal but kept holding the XXXX payment and reported it as XXXX XXXX past due. They finally contacted me, and I made the payment and adjusted my autopay. XXXX XXXX ( Company ) indicated that they applied the XXXX payment to the principal because it was in the same XXXX  My payment history clearly shows this is not their standard procedure because if the XXXX falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been XXXX XXXX late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over XXXX points. I reviewed the comments on XXXX XXXX XXXX XXXX page, and they appear to consistently have poor business practices.
Product: Credit card

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).
Product: Payday loan, title loan, or personal loan

Regional Finance loaned me {$5500.00} at 35.49 %. At the time of signing the loan they asked if i wanted certain insurance policies listed below. At no time did they advise me that I would be paying the 35.49 % interest on these products. In addition they should be required by law to inform consumers that the products they are selling-the extras- can be purchased from other companies- that their 's is not the only choice- especially since the high interest rate applies to these extras Please see below list of " extras '' I was sold with no knowledge of the interest or that there are other options- 1 ) Premium to Credit Life Insurance Company 2 ) XXXX XXXX XXXX XXXX Insurance XXXX 3 XXXX XXXX XXXX XXXX XXXX Insurance XXXX 4 )  XXXX XXXX XXXX XXXX for Non-Filing Insurance In addition I borrowed an additional {$1500.00} on XX/XX/21 and it looks like I was either charged again for these products or more charges were added on.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

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.
Product: Debt collection

I asked frontline assist to verify all information as to how this debt is owed to them by me, verify a wet signature within 30 days of those letters i sent to them but again they sends bills but will not verify or send the original contract.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account Name : XXXX XXXX XXXX XXXX XXXX  Credit Limit {$29000.00}, showing 87 % credit usage, opened XX/XX/2017. This Account should reflect on my Business Credit Report not my Personal Credit Report. 15U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

Portfolio Recovery is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
Product: Credit reporting, credit repair services, or other personal consumer reports

By accordance with the fair credit reporting XXXX accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 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