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 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 60 days 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: Debt collection

SYNCHRONY HOME FURNITURE DIRECT {$1200.00} IN XX/XX/XXXX MX EX TOLD ME TO JOIN WITH HIM TO GET A LOAD FOR FURNITURE. {$1000.00} WE WOULD SPLIT IT {$500.00} AND {$500.00} AND I HAVE PROOF I PAID MY PART. I ENDED UP LEAVING HIM ABOUT I XXXX  SITUATION. I HAD TO TAKE XXXX XXXX XXXX XXXX XXXX XXXX. EVERY TIME I WOULD TRY TO GO AND GET MY FURNITURE HE WOULD XXXX XXXX  SO I DONT HAVE THE FURNITURE BUTI STILL PAID MY HALF. I TOLD HIM TO PAY HIS PART. NOW ITS XXXX WHEN I LEFT IT WAS {$500.00} HIS HALF. I CALLED THE COMPANY AND TOLD THEM THE SITUATION. NOW THE PERSON FORWARD THE BILL TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX FXXXX 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 US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : 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 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 DEPTEDXXXX ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a 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.
Product: Credit reporting or other personal consumer reports

XXXX  will not remove accounts chexsystems will not remove accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank This account continues to appear on my XXXX Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but XXXX and Comenity Bank have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit card

Earlier this year, Synchrony Bank closed my Ashley 's Furniture account without notice. The account was in good standing, as are the others 2 accounts that I have with Synchrony Bank. XXXX of the XXXX remaining accounts I paid off in XXXX XXXX have not responded to requests for information about why they closed the account. They reported the account closure to the credit reporting agencies as a dispute resolution when there was no communication between myself and Synchrony Bank. As of XX/XX/year>, they are increasing my monthly payments to {$97.00} even though they know that I am a XXXX XXXX XXXX XXXX female that can not work more than XXXX job. I don't understand what is going on, or what I can do to stop Synchrony Bank from abusing a good customer. The whole situation is out of control.
Product: Debt collection

XXXX I received an alert on my credit report on XX/XX/2021 regarding a debt of {$42.00} from A Alliance Collection that they placed on my report. I contacted them the same day to confirm the debt, and to send me a copy of the debt. As of today, I have yet to receive it, if the debt belongs to me I would like to resolve so they can updated my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay my bill online with auto payment. Some how XXXX  is showing 30days late as I paid off my HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was declined for an apartment based on the inaccurate findings provided by XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX I contacted first advantage to provide proof that the eviction that were reporting was discharged by the court and deleted from public record over 2 years ago. I provided them with the original court documents with the legal verbiage, a deletion letter of the public record being deleted. However the eviction that they were reporting, they claimed they found on my credit report was never on actually on my credit report, rental history, consumer report or public record. I have spoken with members of their tenant screening reps, disputes, review team and department supervisors of each department, yet they are adamantly refusing to delete the inaccurate information which in turn is preventing me from obtaining an apartment. I have applied to 3 apartments and have been turned down by all 3 due to first advantages gross negligence and non compliance with the Fair Credit Reporting Act and have lost over {$300.00} in application and administration fees.
Product: Debt collection

On the date of XX/XX/XXXX I went to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax to receive credits and satisfy the entire price of the service via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " pledge agreement XXXX XXXX '' with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the credit extension and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the credit extension causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax have the right to assume anymore a debt wherefore collection could be made. TMX Finance LLC dba TitleMax of Tennessee, INC. d/b/a TitleMax further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of their self described " repossession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to the unverified Tow Company without my express written permission. Please see the full attachment of the correspondence via the mail that I gave to TMX Finance LLC in the attached links.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Product: Bank account or service

This is to complain on the fraudulent activity of the SYNHRONY bank, affiliated with Amazon Internet store. I made XXXX purchases that were applied against Synchrony Credit card. The first statement I received at XXXX XXXX 2016, which showed amount {$200.00} while I owed {$110.00} for my purchases. 
XXXX XXXX 2016, I had send letter to Synchrony bank along with my check with payment the whole amount I owed for my orders. This payment was made within the grace period, so no any late fee must be applied. ( See Exhibit XXXX ). 
XXXX XXXX 2016, Synchrony bank send me confirmation of my payment. ( See Exhibit XXXX ) XXXX XXXX 2016, Synchrony bank send me another letter, in which they continued to extort from me illegal charges {$87.00}. ( See Exhibit XXXX ). 
XXXX XXXX 2016, I send letter asking Synchrony bank to remove illegal charges from my account, otherwise I would considered it as a fraud. ( See Exhibit XXXX ). 
XXXX XXXX Synchrony bank notified me that they removed part of these charges, but {$20.00} remained as outstanding balance. ( See Exhibit XXXX ) XXXX XXXX they send me Email, continuing to extorting money from me. This time they made {$58.00} charges for nothing. ( See Exhibit XXXX ). 

Please protect me against Synchrony bank 's fraud and distortion.
Product: Checking or savings account

I submitted a dispute and cash app never responded. I also informed them on multiple occasions that there were multiple transactions in regards to stolen funds and there was no response.
Product: Credit reporting or other personal consumer reports

The courts have expressly dismissed prior rulings and guidance from the Federal Trade Commission ( FTC ) that permitted creditors to access such reports, emphasizing that those decisions predated the FACT Act. They have determined that obligations like overdue child support, fines for parking infractions, and fees related to the towing of illegally parked vehicles do not derive from a " credit transaction. '' Therefore, the courts concluded that pursuing these debts does not constitute a valid reason to access a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXX Balance {$64.00} ; XXXX XXXX XXXXXXXX XXXX  Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX XXXX ( XXXX XXXX XXXX ) account XXXX. This account does not belong to me and is not being reported by XXXX or XXXX, yet it appears on my Equifax credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX XXXXXXXX XXXX, report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.
Product: Checking or savings account

XX/XX/XXXX RE : Notice of stolen/unauthorized use of ATM/Debit Card Account ( CitiBank ) Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was stolen & was used for an unauthorized transaction on XX/XX/XXXX. I did not authorize any transactions on or after this date, and I did not authorize anyone else to take moneys out of my account or use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$2000.00} I am able to provide a copy of each of the following documents to this letter : 1. A copy of my Bank Statement which includes : o Copy of Fraudulent Check deposited and withdrawn o The police report about the theft of my identity and robbery that happened in XXXX XXXX. 
o Copy of Bank Statement reflecting fraudulent withdrawals 2. The FTC Notice to Furnishers of Information I went to the bank and I asked them to close the account and restore any funds which have been withdrawn from my account. I asked banker to also notify me in writing of the results of their investigation and asked them to send me written confirmation that all stolen funds have been restored and the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my XXXX letter off on XX/XX/2022. Here is my tracking number XXXX to remove personal information that I do not want on my credit report. Pursuant to the fair credit reporting act 15 USC 1681 ( a ) ( 4 ) to be exact I have the right to privacy.

ALSO, pursuant to 15 USC 6802 no financial institution is supposed to share my information to 3rd party companies. 

There are clear violations of my federal protected consumer rights. 

Delete all of the following personal information from my consumer report NAMES : XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX ADDRESSES : XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -Address ID # XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX -Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID XXXX XXXX
Product: Credit card

I reported unauthorized transactions to capital one over the phone amounting to {$1000.00}. The rep told me he would take care of it and send a replacement card. I never recieved a replacement card nor were any charges taken off my credit card account. It is now {$1100.00} or more in debt. This has to be highly illegal for a business to blatantly lie and try to force a customer to pay for unauthorized XXXX  charges and falsely report debt onto my credit report damaging my credit score.
Product: Mortgage

Hello, My issue with my mortgage company ( PennyMac ) is the process of removing the PMI from my mortgage. Penny Mac asks me to pay for the appraiser and they choose the appraiser who appraise my house. Last when I started the process to appraise my house, they scheduled an appraiser on XXXX XXXX 2017 to come to my house in which the appraiser did and he told me it takes him 2 days to complete the appraiser report and send it to the company. My house was appraised on XXXX XXXX 2017 and since then I have been calling PennyMac and was told they have not received the appraiser report from the appraiser, which contradicts what I was told by the appraiser himself. 

Anyhow, I have called and kept calling Pennymac and keep getting the run around and wait on the phone for several minutes and then I get the message from them saying they ca n't do anything until the appraiser report come to their office. 

Currently the prices of my homes in my community has raised significantly to the point that I should have an equity to remove the PMI from my mortgage, and I believe PennyMac is trying to dictate the outcome of the appraiser since they do not want to disclose it to me after nearly a month of the appraiser date. 

Also I think mortgage companies should not dictate what appraiser company should be used as long as it is a certified appraiser by the state where the property is located. 

Please let me know how I can get my appraiser report from PennyMac since I am paying for it. And how can I get rid of the PMI from my Mortgage since I met most of the PMI regulations as I read it on your web site. 

I appreciate all your assistance.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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: Money transfer, virtual currency, or money service

My name is XXXX XXXX, a XXXX citizen. 

I have created a financial digital account in XXXX XXXX XXXX  in early XXXXXXXX XXXX. 
The company restricted my account around in XXXX XXXX saying my account was under review. After I contacted customer service, they responded that they need to call me on the phone. After brief conversation on the phone with the customer service representative, the company told me they needed XXXX actions be taken by me to process the account review. I followed their instructions and verified all my information asked of me including taking XXXX like face recognition data XXXX This was XX/XX/XXXX. 

The company instructed me that the review takes XXXX days at the most. After the XXXX days I tried to contact the company to ask for update, and not the customer service is locked out for me and there is no way I can contact them whatsoever. The company is ignoring my emails, and the so called review process is taking over XXXX days as of today blocking access to my XXXX  XXXX dollars. I can't even withdraw the fund to my bank from the company, because the company have blocked my account from doing so.
Product: Credit reporting or other personal consumer reports

At the offices of XXXX XXXX XXXX XXXX XXXXXXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into XXXX  system without providing me an opportunity to review the data. XXXX issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my Equifax credit report. I have attached a photo of the XXXX XXXX XXXX credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my Equifax and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming Equifax, XXXX XXXX, XXXX XXXX XXXX  and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.