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

My account with 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.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX  company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card

We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Details Last Reported XXXX XXXX, XXXX Collection Agency KIMBALL TIREY & ST. JOHN Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks I notified the manager that she had renewed my lease with the wrong date and she never fixed The apparment building become a XXXX with XXXX in and out I told the building manager I had to move the new residents and guess violated the non XXXX XXXX lease and I have a XXXX XXXX who almost got attached in the elevator by one of the guest and I moved when my lease ended ( the actual lease date ) The manager never amended the lease and put me in collection
Product: Mortgage

This company is a bunch of LIARS & CHEATS!! NEVER NOT ONCE have they attempted to contact me! PLEASE provide any attempted contact information with dates & phone number provided as well as the name of the person who supposedly attempted to contact me! 
I NEED account details in order to manage this account to prevent any further delinquency! I still have not received information that I requested! 
As an account holder I am entitled to this information! PLEASE PROVIDE : -36 months of account history - what contact information do you have for me? ( I have received personal credit information from Fay for another person which I have reported to Fay ) I fear that MY personal information has been compromised! 
- loan payoff information - tax & insurance information on this account
Product: Credit reporting or other personal consumer reports

I received a letter declining a credit loan request that I never made. The letter claims that I applied for the loan, but I did not. Additionally, I received another letter stating that they could not identify me. I noticed on my XXXX credit report that they conducted a soft pull without my authorization. This situation is negatively affecting me. I am opted out of any credit offers.
Product: Debt collection

I contacted the collection agency to pay the amount due in Early XX/XX/XXXX. We came to an agreement that if I paid them they would update my credit report to show I paid. I did as they asked, they sent me a letter to show I was confirmed to be paid in full. They did not contact any of the three credit bureaus to update my credit to show paid in full. " Months '' went by I noticed not too long ago or currently that there still has been no update. I contacted the collection agency to ask what is going on with my account. The woman I spoke with told me they were not going to change my credit report update because I took too long to call them back about updating the credit report. I thought that I was paying them so that they would change to pay? She told me yes I'm paid in full, even sent me a new letter from their company stating I'm paid in full dated XX/XX/XXXX but told me they are not going to correct my credit report. I need help, I paid them and they still have me as a charge off on my credit report for ( XXXX XXXX/XXXX  ), ( Jefferson capital systems , LLC. ).
Product: Checking or savings account

My problem with Bank of America. 
They keep charging me over draft. And I see alot of charging from my account for no reasonable authorization from my side. And I was trying to contact with the customer service for this Bank but it was so hard and I stressed out
Product: Debt collection

My banking records were subpoenaed from XXXX XXXX XXXX, by Bleier & Cox APC. The attorney illegally pulled records, in an effort to track down XXXX XXXX 's personal information, as we share an investment together. According to XXXX court records there is no judgement against XXXX. In fact the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, XXXX. So how were Bleier & Cox able to subpoena bank records? The original judgement was answered by XXXX in XX/XX/XXXX in XXXX court. Since then the interest amount has allegedly grown from {$380.00} to, now, {$650.00}. The account has been sold or transferred XXXX times to different attorneys - all affiliated with each other. All attorneys are associates of XXXX XXXX who falsely claimed to be working for XXXX XXXX ( XXXX ). Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, do not have proper documentation to subpoena bank records and do not have a judgement pending against XXXX. 
What 's worse, XXXX XXXX XXXX mailed the subpoena to XXXX on XXXX/XXXX/XXXX, according to metered stamp. It was received on XX/XX/XXXX ( Sat ) and the records were released to Bleier & Cox on XXXX/XXXX/XXXX, according to bank representative who spoke with the bank 's legal team member. I had only two working days to refute when I am allowed at least 5 business days.
Product: Checking or savings account

I withdrew {$5000.00} out of my account to purchase lumber five days ago and the next day I tried to login my account online and it stated it was locked so I called and the rep stated I need to go to the bank so I did. Once I arrived at the branch in XXXX, Arkansas to find out whats going on, the assistance manager XXXX said that my account is being closed because I have had a lot of transactions in my account so the bank think Im money laundering. which is definitely not the case so they went off their assumptions and decided to close my account without any facts or proof.
Product: Payday loan, title loan, or personal loan

I had gotten really ill after catching XXXX. I was forced to take leave from work which lead to me making late payments on my account. I paid off all previous debt as soon as I returned to work and set up auto pay to pay this account off in full as soon as possible.
Product: Mortgage

Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Volkwagen Credit , Inc and Volkswagen USA have failed to create contingency practices to recover vehicles that are at the end of their lease during the COVID-19 pandemic. Their failure to do such has created unnecessary and unfair situations for their customers. VW is requiring customers to incur additional expeneses in terms of insurance coverage and a per day fee charged by VW Credit , Inc. The additional expenses are due to my fault as a customer as I followed the proper procedure set forth by VW. VW has not made any effort to offer reimbursement for the increased insurance expenses. During this time when jobs and incomes are at risk, the additional expenses can put my family at risk of financial harm.
Product: Credit reporting or other personal consumer reports

I have noticed that there are items on my credit report that have resulted from fraud which I never benefitted from, this is unbelievable, my rights as a consumer is being violated. As a law-abiding citizen this is incredibly insulting. This is already reported to the Federal Trade Commission but they are not removed from my report which is causing me immense stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. 

The inaccurate entry is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

should have been covered by insurance was told covered and now they have placed it with collections. I have spoken with XXXX clinic to resolve on muliti time and they do not seem to care.
Product: Debt collection

Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.