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

My account with TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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. 


TRANSUNION 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! 


Update the late payments from my consumer reports
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. 
XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX Account XXXX, XXXX # XXXX, has violated my rights. 

I looked at my TransUnion XXXX and noticed errors and inaccurate items. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C 1692C you have violated my rights by inlawful communication. Please remove this collection off of my credit report, thank you.

My public information and account number has been shared it's illegal by law 15.U.S.C. 6802. Please remove this negative item from my credit report. Thank you
Product: Debt collection

As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX  years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX   XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help! 
Thank you
Product: Mortgage

I   XXXX   I was laid off a job I had for 6 years. When the lay off happened I had just purchased my home so from   XXXX   to the current I have been struggling to pay me monthly mortgage. I filed for Bankruptcy so that I could try and find a job that in the field that I was in so that I could get increase my income. I have applied for a loan modification around 4 times and now I have requested a loan forbearance for a period of time this will help me tremendously.
Product: Credit card

I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of student loans, personal loans, credit cards, and hard inquiries from XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, XXXX XXXX XXXX XXXX with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$30000.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from 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 Hard inquiry from Neighborhood Stabili via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from Financial Rec Services requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

First, I faced multiple issues regarding fraud charges on my account. Thankfully, though it was difficult to reach customer service, I was able to cancel + freeze my debit cards, and the one charge that did go through is supposedly being investigated. While that has been " taken care of '' or is at least prevented from further issue, I also ran into my account getting locked due to login attempts by scammers. My account has been locked since at least XX/XX/XXXX. 

Due to tech issues I am unable to reset my password properly and get into my account. I've spoken with customer service multiple times about this issue and been transferred to tech support twice who is supposedly working on the issue. I was told that the issue should be solved by last friday ( XX/XX/XXXX ) or early this week and I have still heard nothing. Ally, as an online only bank, has been unable to let me access my bank accounts for almost two weeks now. I have transferred some money out of my accounts via phone, but I would like to cancel my auto transfers and 'surprise savings ' so my money that I can not access ( unless I call customer support and sit on hold for XXXX min to an hour ) won't continue to move around. I need access to my bank accounts. This tech issue needs to be resolved now.
Product: Credit card or prepaid card

I have a credit card with Banco Popular de PR. My statements run from the XXXX of every month to the XXXX of the next month. On my XX/XX/XXXX statement my cancellation balance was XXXX, which I paid and posted entirely on XX/XX/XXXX, and balance was left at XXXX. In the XX/XX/XXXX statement the bank is charging XXXX on interest, after I had cancelled my entire balance 9 days before the new statement came out. Bank refuses to eliminate charge. Same thing happened with XXXX and XXXX XXXX XXXX, which did remove the incorrect interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + Experian + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint
Product: Credit reporting or other personal consumer reports

FRAUDULENT ACCOUNT & INACCURATE INFORMATION 1. Truth in Lending Act ( TILA ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs.

Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of TILA.

Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations.

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices.

Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices.

Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA.

Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations.

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration.

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation.

Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, I recently reviewed my credit report and noticed an account that was not reporting accurately, i have two late payments on an account reflecting 60 days late although both previous months were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been 60 days late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. This account is a XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Company, Speedy Loan sent me an email with a form, requiring a signed affidavit from notary public or police officer. This is unfair, they said if not received by XX/XX/XXXX, they would be continue collection activity on my account. This is wrong, account is not mine. Sent gmail on XX/XX/XXXX. It all started when I tried to get a loan about XX/XX/XXXX. They have all my Bank information. Not fair or right. Also, I emailed them on XX/XX/XXXX the, asking them not to proceed with collections activity. I would contact you cfpb, with a complaint. It seems they threatened me, for something I had absolutely nothing to do with. Please help me with this. 
XXXX XXXX PS- We are in a world wide Pandemic. I hardly go out, but do business on my phone. Too dangerous for me. I am a XXXX XXXX Get, trying to survive. Extremely unfair what they are doing. 
XXXX XXXX
Product: Mortgage

I would like to know why when I go to my balances it only says I started making payments on XX/XX/2020 when I made a payment on XX/XX/2020. 

Why on my payoff statements my loan type says single family and then it was changed to single family title II?
Product: Credit card

I ordered {$700.00} worth of gift cards from XXXX. After contacting XXXX 4 times, I received no response from XXXX ( I was told someone would get back to me/never did ). Finally opened a dispute with Citibank since XXXX would n't even talk to me and never delivered the merchandise. Citibank now sent me an enotice saying XXXX said they delivered the cards and Citibank would uphold the {$700.00} charge from XXXX. XXXX never delivered the cards. XXXX sent me a tracking number XXXX that even today shows no movement or delivery. I forwarded this email proof to Citibank but I still do n't see a permanent refund to my account. Apparently XXXX just has to say they delivered even though I have proof otherwise. XXXX 's own tracking number they provided in a customer service email shows no delivery was ever made as of XXXX XXXX. The cards were due on XXXX XXXX as XXXX gifts. Obviously useless this late as I had to replace them. Citibank is not helping me at all and has found in XXXX 's favor even though I have proof otherwise.
Product: Student loan

I started paying my loans to XXXX XXXX XXXX after graduating XXXX. They had all my loans private and federal. I paid consistently what my salaries would allow. I had several jobs on & off through the great recession. I lost my last job XXXX and payments got behind, so XXXX of XXXX I called XXXX XXXX and was told Navient had my loans. Talking to Navient I set up a payment plan I could afford while bar tending part time. When I spoke to them, I asked repeatedly if this is ALL my loans and he reassured me it was. I had it set up as autopay that was fine until XXXX XXXX when they stopped taking it out. Today I got a letter from Pioneer Credit recovery that says I am in default and XXXX XXXX XXXX has my loan and I have not made a payment since XXXX. Who is XXXX and when did they get my loans? I called Pioneer and they want to put me in a rehabilitation. What? Why has Navient not been paying all that they told me they were. So before I set that up, I wanted to do some searching. I called the government Loan Locator # XXXX XXXX XXXX. XXXX tells me I have XXXX loans all at NAvient. She gives me XXXX XXXX number XXXX XXXX and I call but it is NAvient - talked to XXXX and she says that my account is XXXX loans and all are current. After tallking to her she gives me XXXX XXXX # XXXX XXXX XXXX. I call and talked to XXXX who works for Navient but speaks for XXXX XXXX!! She tells me that XXXX loan was paid for by XXXX because it was in default and that I only have XXXX loan with XXXX. Navient website says XXXX were picked up by XXXX XXXX. She is going to mail me a letter stating that. Now I am on my XXXX phone call and each one has a different answer. And NONE of them can tell me why all my loans where not paid on when I repeatedly asked back in XXXX of XXXX if all were covered. As they can see by my payment history starting the year I graduated I tried to pay what I could depending on my work at the time - during the worse recession that we all were trying to get through. This collections agency 's letter says there is a {$1100.00} " Collect Charge ''! Is this the way XXXX and Navient are making money? Especially since they seem to be the same company ... Back in XXXX XXXX, were they paying their employees bonuses on how much they could send to default, so they give false information? I feel the man I talked to had to out & out LIE because he said over and over all your loans are covered, " Federal & private ''. And now one year later the automatic payments stop, another way to collect late fees? If they see I am consistently paying on XXXX of the loans - would n't that raise a red flag that some one there dropped the ball - why all were not taken care of with that call? Why would I choose to pay only part of what I owe especially since I initiated the calls. Now that my credit will be impacted and my late fees and collect charges add to my loan balance, it seems like a never ending cycle. What recourse do I have? Thank You
Product: Credit card or prepaid card

There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.