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

My account was never late! I have had exceptional payment history 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 to be 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 th
at 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 maile
d 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! 


Update the late payments from my consumer reports
Product: Debt collection

I received a letter XXXX/XXXX/XXXX from the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX stating they represent Midland Funding in a debt I supposedly owe. I responded to their letter within 30 days requesting proof of debt by certified letter. I never heard anything. I sent a second certified letter requesting proof of debt. I still have n't heard anything back from them or received the proof of debt as requested. XX/XX/XXXX, I started the process of refinancing my house. I was informed that I would have a higher interest rate because this debit is on my account and listed as disputed. I have tried contacting Midland Funding. On XX/XX/XXXX I spoke with XXXX. XXXX informed me that no one would be able to comment on my account. I tried to get this issue resolved with no help from Midland Funding LLC or the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft Report
Product: Debt collection

I sent a debt validation letter to LVNV FUNDING LLC on XX/XX/22 tracking # XXXX which they responded with a letter from the court house which I was never aware of I also requested more information from them regarding the debt I requested my signed contract most recent bills which indicates date of last payment and date of delinquency and payment history what they sent is insufficient to my request and I have never done business with LVNV and the only proof I need would need to come from the original creditor I followed up with another letter requesting more information and once again they have replied with the same paperwork this was done on XX/XX/22 tracking # XXXX I also reached out out to original creditor At this time they are refusing to reply to my request and I need more information please remove this from my credit report as they are refusing to provide all required information they have also failed to indicate that how and that I can Dispute the information please see attached items
Product: Money transfer, virtual currency, or money service

I received a loan from Moneylion INC through an application on my smartphone ( XXXX ) into my checking account around XX/XX/XXXX. I paid off the loan XX/XX/XXXX but received a call in XX/XX/XXXX saying they never received the funds from my bank, I reviewed my checking account and they were correct so I agreed to pay it back without issue. I have attempted to repay the amount owed ( {$510.00} ) and each time no payment is processed, every time I call I am on hold for an hour before speaking to someone. As of this complaint, this is my fourth time attempting to pay off the loan and the application is threatening collections for nonpayment due to their computer errors.
Product: Checking or savings account

On or about XXXX XXXX, XXXX, Bank of America asserted a " right to offset '' against my account to pay off an Overdraft amount of {$150.00} associated with my son 's Bank of America account because I added my son to my account as an " authorized user. '' I am not a joint owner on my son 's Bank of America account and therefore asserted that they should not take my money to pay any account that I am not owner nor part-owner. 

I 've been member of Bank of America since XXXX, opened in XXXX NC. I added my son as an authorized user in XXXX. I have had my payroll directly deposited into my account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I received a bill at the end of XXXX on my CITI card for a purchase I did not make. First on XX/XX/XXXX for {$13.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I called CITI reported it and they shut that card down. they said they would look in to it. Then I receive another bill with XXXX more fraudulent charges. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11.00}, XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX {$28.00}. I called about those as well. I just received a letter from CITI stating that they were unable to resolve the dispute in my favor due to the information I provided and that I should contact the merchant. I have no idea what these purchases even are. They appear to be in foreign language. Lastly this card was only used for a balance transfer offer. It was paid in full XX/XX/XXXX. This card was never used to make any purchases.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account XXXX XXXX XXXXXXXX TransUnion : Date last activeXXXX XXXX : Date last active, XXXX XXXX : Date last active, XXXX Account : XXXX Account XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last active, XXXX XXXX XXXX Date last active, XXXX Account XXXX XXXX Account XXXX XXXX XXXX TransUnion : Date last active XXXX XXXX : Date last active, XXXX XXXX : Date last activeXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Wells Fargo on XX/XX/2017 to do a Hard Inquiry on my credit report. I called customer service to dispute the item but the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Netcredit attempted to charge me XXXX percent interest, and have not provided paperwork showing where they were allowed to charge me beyond the legal limits of the state of Florida. I request Netcredit to provide me with documentation showing they were legally allowed to bind me to a contract at XXXX percent in the state of Florida in 2000.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 2 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing I see on my consumer report is certain accounts creditor remarks have changed to " Customer disputed account '' but I was never informed of investigation, nothing was ever removed and/or continued to be inaccurate. In prior months there was no creditor remarks so the disputes are being received I'm just not being informed of results. They have also failed to do a proper investigation and resolve the issue. I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I have names on my report that do not belong to me, as per the FCRA and Metro 2 Compliance must be deleted. I have listed accounts the accounts that are appearing inaccurately on my credit file below : XXXX XXXXAcct # XXXX the high balance is wrong. The account is inaccurate and unverified. This account needs to be PERMANENTLY removed from my credit file XXXX # XXXX This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. 
XXXX XXXX/Acct # XXXX High balance {$1600.00}. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. 
XXXX XXXX/Acct # XXXX High balance {$1900.00}. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. 
XXXX XXXX/Acct # XXXX. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. 
XXXX XXXX # XXXX. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. 
There are also multiple inquiries which lack certifiable evidence of lawful permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have   XXXX   accounts  with Stuart Lippman that I d isputed, due to the fact that these are payments to an insurance company for money owed to credit unions. I currently pay this money every month to a clerk of courts. After I filed the original dispute back in  XXXX  around the  XXXX , of  2017 ,  XXXX  accounts were removed from my credit files. However, around  XXXX   XXXX ,  2017   XXXX  of the accounts were added back to my file without my knowledge.   In accordance with t  he requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notifications  . This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.
Product: Credit card

I applied for an American Express account and right after I hit the submit button American Express responded DENIED in 2 seconds. I couldnt believe I got a denial in 2 seconds so I called and within minutes I got an email that said DUMMY CODE and a message that said denied for returned payment. I knew that to be a blatant lie that American Express made up so I asked the operator to research and the operator said NO you DONT have a returned Payment. The operator called the credit department to inform them that there is NO returned Payment and that department said ok resubmit application.FAKE DUMMY CODE was applied again and returned payment was used as grounds for denial Again. If there is no return payment in 30 days like the DUMMY CODE says then Im being denied for another reason and thats most likely Race. American Express didnt run my credit as they would others. American Express did not change the denial excuse even after the customer service rep XXXX said I had no returns payments. If there is not a verifiable denial reason then it has to be systematic racism that is customary within the American Express institution. I have a American Express card for my son and the credit limit has been XXXX over 18 years. Now if that isnt blatant systemic racism then I dont know what is at this point. Stop the fabricated denial excuses. Fair trade practices is all I ask. Litigation seems to be warranted as this point because XXXX not the only one American Express is fabricating denials against.
Product: Debt collection

On XX/XX/22 we were notified that our credit score had dropped XXXX points because of an account that went into default. We had no other information and had not received any bills or notices that any accounts were in collections. Based on the credit report information, we figured out it was a debt with XXXX XXXX XXXX, associated with my former employer. They paid for our internet service while I was employed there, and upon termination of my employment I returned all related equipment to the company. The company never closed the account or returned the equipment, and the billing statements were all sent to my former employer. Upon calling Credence Resource Management, we attempted to correct their records but they did not cooperate and would not correct the account holder. I sent a formal request for debt validation via USPS certified mail, which was received by Credence Resource Management on XX/XX/22 but they have yet to respond as of today XX/XX/22. I had to file a dispute with the credit reporting agency in order to get the debt removed from my credit report. I also incurred legal fees because my lawyer had to contact my former employer in order to get the account paid.
Product: Mortgage

I purchased the home in XX/XX/XXXX and my son passed away in the home XX/XX/XXXX. He was only 7 months. I struggled with XXXX until XX/XX/XXXX when I succumbed to it. I went into a XXXX for 1 week then I went on a XXXX leave for 3 weeks after that. When I returned to my job, where I was making close to around {$3500.00} a month, I found that they had replaced me and placed me in a lower paying position where I was only getting paid half of that. I can not, financially or mentally, live in the property. My mortgage is being serviced by Penny Mac Loan Services and XXXX XXXX, my SPOC, told me that there is no opt out option for USDA loans and that I would qualify for a repayment plan? I 'm not sure how, being my income dropped. All I want to do is a deed in lieu. I told him this and he is now asking for documents that I have already sent him XX/XX/XXXX. So, it seems to me that they are very unorganized or just throw away my paperwork. I 'm very upset with the way they are handling this. Not to mention, the lack of sympathy. I do n't mind paying what I am delinquent for, but I will contact USDA myself about doing the deed in lieu, because Penny Mac seems to want to give me the run around instead of trying to help me.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/2022.
Product: Checking or savings account

My Chase debit card was compromised and the thief spent thousands on my account. I disputed these charges and closed the card. Company replaced the card and 1-week later has closed my account and stolen the funds in the account. Chase has not stolen over {$4000.00} from me. {$4000.00} which came from my wife and my employers as part of our direct deposits. They have closed my account WHILE their investigation is pending. I now have no way to pay my bills and I am discussing this matter with a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX, XXXX, and Transunion to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Selling an item online, when buyer asked for Zelle info, gave them info for payment, but saw that I have been debited {$300.00}, when I am supposed to be getting paid.
Product: Payday loan, title loan, or personal loan

I got two different letters in the mail saying my information was found in a data leak. I then got alerts on my credit report from XXXX  saying my information like social security number and driver 's license was found on the dark web. The same bank account I got the transfer from title max from was then stolen shortly after. I told them many times I needed help and they told me it was a XXXX percent and its way over XXXX percent. They offered me credit repair and that's it. They keep saying they don't have fax and to talk to corporate I filed a police report and tried talking to them about fixing my credit and they won't help with anything they keep saying I'm late when I haven't been.
Product: Credit reporting or other personal consumer reports

SUNRISE CREDIT SERVICES INC have asked you to validate the alleged debt you claim I owe, and all you have provided me is a letter dated XX/XX/year> with a reference number SCS : XXXX for an alleged account # XXXX for a balance of {$520000.00} which you can not prove is mine. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You failed to validate this alleged debt.

This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability
Product: Credit card

I had sent in a letter to US BANK in XXXX that they had received on XXXX XXXX in reference to denying me my credit. They are committing security fraud by denying me my own credits from the ces que vie trust that I am a beneficiary of. They have violated the FCRA, ECOA, and TILA. I also had asked them to retract my application if they were gone to continue to deny me my credit I'm entitled to by law. I don't see that its fair for them to keep my application which is a security due to having my social and electronic signature and I will not benefit off them trading it on the secondary markets.
Product: Debt collection

I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently