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

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

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

Discover bank Amount owe {$600.00} Written email that have it remove off my credits card
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied credit card with First Tech Credit Union. They turn down my credit application, the reason is I am having {$220000.00} credit available ready to use. My XXXX  score is XXXX, with under {$15000.00} credit debt, {$160000.00} balance mortgage loan. No car loan. I believe this is unfair business practice and discrimination.
Product: Credit reporting or other personal consumer reports

CFPB LETTERS FOR CRA AFTER ALREADY COMMUNICATING NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit card

Every time I apply with a company, they denied me of credit and they said that my credit report, and my credit history is stopping me from getting a sense of credit but but title 15 subsection title 1611 false and misleading denial of my own credit
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian received a letter from me via XXXX Mail. I have added a screenshot of the XXXX XXXX XXXX XXXX mailing information for said letter within this mailing as proof. I have also included a copy of the original letter Experian received. My initial letter stated the following According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I recently reviewed a copy of my credit report, and noticed there are credit inquiries that appear to be unauthorized. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. Therefore, the listed inquiries below were without my authorization, and for no legitimate business purposes. These inquiries appear to be very serious errors in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act Sections 609 and 604, as well as violating my rights to privacy. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable signed proof, you must remove the inquiries listed below immediately. 

I am requesting your credit bureau initiate an investigation to determine responsible parties in these unauthorized credit inquiries. As a part of your investigation, please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries. In addition, I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf. 

If you are unable to find MY written authorization for these inquiries, I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me the proof of this. 

At the time I am writing this complaint, it is now XX/XX/year> ; XXXX  days after my initial letter was received by your Experian. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed inquiries have not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within XXXX  days of receiving them. At this time, I have not received any information from Experian stating that an investigation has been started nor completed concerning this matter. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to XXXX  days for verification.
Product: Checking or savings account

On or around XX/XX/2023, I, in good faith, deposited an endorsed check on behalf of a " client '' into my XXXX XXXX XXXX ( escrow ) account. Later I was advised that " fraudulent activity '' was " associated '' with this check. It appears that I was unknowingly, and without any intent or knowledge, used as a mechanism to transact some sort of fraudulent check cashing by XXXX XXXX. Recently I inquired at my bank, " JP Morgan Chase '', here in XXXX XXXX, and was advised that all of my accounts with them were " closed '' and would not provide me any further information about " suspicious activity ''. XXXX XXXX, evidently sensing suspicious activity around this XXXX check to XXXX XXXX, and filed a " claim '' at his bank and requested a " stop payment '' on the check and it was reversed against my " JP Morgan Chase Bank XXXXXXXX XXXX Account. ". 

The parties involved are : XXXX XXXX, lender/ maker of a XXXX check ; XXXX XXXX XXXX borrower and payee on check ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX, XXXX ; XXXX XXXX XXXX XXXX attorney and name on the " XXXX XXXXXXXX '' account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX ; JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX ( see attachments ) ; " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), ( see attachments ) ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute multiple inaccuracies on my credit report, which have unjustly impacted my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are incorrectly listed as being 30 days late. Additionally, there are discrepancies between the information reported by different credit bureaus that further highlight the inaccuracies. The accounts in question are as follows : 1. Apple Card/GS Bank USA ( Account # : XXXX ) ** - This account is showing different balances on XXXX ( {$720.00} ) compared to XXXX and XXXX ( {$230.00} ). Furthermore, the account number reported by XXXX differs from those reported by the other credit bureaus. Lastly, the " Date Last Active '' also varies across the bureaus, indicating a lack of consistency in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these inconsistencies exist, particularly in the account numbers, balances, and dates, is a clear violation of this requirement. 

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments or other claimed inaccuracies, I demand that these entries be updated immediately to reflect their true status, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Product: Checking or savings account

XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX at XXXX I deposited about {$7000.00} at ATM # XXXX and the machine froze for some time and gave me only a check stating that the machine could not return my banknotes and could not process my request. And they asked me to call and open the claim. On XX/XX/XXXX I called and opened claim # XXXX, 2 months later XX/XX/XXXX I got a response from the bank that unfortunately they have not found any records and denied the claim. I called them and asked them to reopen the claim, but they refused. Went to the bank branch and along with the bank, the representative called the claim department the answer is the same we don't have any records.
Product: Credit card or prepaid card

I purchased an item on Amazon  using my Chase Amazon credit card. The item is a Prime item and I am a Prime member. This means that items I purchase that are defective are able to be returned with Amazon covering the cost of shipping. 

I ordered an item, a pair of pants that were substandard and defective. I attempted to resolve the matter with the merchant directly but received no response despite several contact attempts. Amazon too was unable to prove a refund or paid shipping label saying that this item was privately fulfilled and thus did not qualify for Amazon Prime. Note, I have a screenshot of the item showing that it is indeed a Prime item. 

I called my credit card company to dispute the charge. Despite waiting hold for over 45 minutes, no one ever assisted me. There are statutory deadlines that this ineffective assistance is causing me to run afoul of and I would like the credit card company and Amazon to fulfill their fiduciary duties. I hav spent much more time on this issue than is fair for the cost of these pants ( about {$35.00} XXXX.
Product: Mortgage

I was sick in XX/XX/2023. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via Shellpoint Mortgage Servicing LLC, Loan Servicer, but unfortunately, Shellpoint Mortgage Servicing LLC didn't forward my request to Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Shellpoint Mortgage Servicing LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Shellpoint Mortgage Servicing LLC is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Shellpoint Mortgage Servicing LLC for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item repeatedly being reported to my credit file should be removed immediately. I do not have a contract or service agreement with this company XXXX XXXX XXXX XXXX. I repeatedly asked for proof of contract ( s ) with signatures with no response. Also, this company is not legally allowed or licensed to operate in the State of Georgia, or demand collection of debt, and is in violation of State law. Please remove this item immediately and cease from further reporting.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are inconsistent and deceptive.
Product: Debt collection

I disputed the account with the collection agency Medical Data Systems and they sent me back copies of personal medical information sent from the hospital.
Product: Credit card or prepaid card

I purchased 10 MasterCard Giftcard for {$100.00} each from XXXX on XX/XX/2020. I received them in 3 envelope on around XX/XX/2020. I immediately activated them and verified the balance was correct on each card. Then I tried to use them a few times in different local stores but the transaction always got cancelled. I even tried them on XXXX but still didn't work. I searched online and found many similar complains reported by other customers and decided to call in to get replacements. I called the giftcardmall.com which is located on the back of the card and they transferred me to MasterCard or BlackHawk customer service ( I don't remember exactly which one now ) to get them fixed. I then talked with an agent and after verifying all these card still have full balance she agreed to send me the replacement cards and said I should receive them within 7-10 business days. But until today XX/XX/2020 I still have not received anything from them. The worst thing is now every time when I called back again on the same number, since all of these cards were de-activated by the first agent, none of the customer service agents would like to help me anymore. They either transferred me to another department or even asked me to go to the issuer bank ( XXXX ) to get the replacements. None of them would really like to help me and I'm now sitting on these 10 dead cards worth {$1000.00} now. I'm very disappointment on the XXXX  selling these defective cards and also the lack of customer service with those issuer and merchants especially when customers are having issues with these cards. Hopefully one of these merchants can see my report and could have someone look into my case. Thanks.
Product: Checking or savings account

On XXXX XXXX a spoofed call from td bank contacted me acting as a fraud agent on behalf of td bank. They told me my acct was hacked and I needed to open all new accts. I did so bc who was I to question a call from my back. Why would I think it was fraud? I walked the thief through in setting up a zell transaction which allowed him to rob me of XXXX. Td bank fraud dept. will not reimburse the acct saying they can not prove I didn't take the funds out and rob myself and file a claim. 
I filed and official police report and provided all required documentation and they denied my claim 4 times. I have not yet received notice since I filed the police report on XX/XX/XXXX. It's a criminal offense to file a false police report so they are citing me as a criminal. I want my name cleared and I want the money returned. TD bank is aware of this scam and have done noting to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to clear a {$67.00} balance from XXXX and they can not find the account with my drivers license, date of birth or social security number. They stated they would need the FULL account number. 
I contacted Experian to get the account number and they stated they could only provide the last 6 digits of the account and then they updated the account as a current charge off ( XX/XX/XXXX ) and DECREASED my score. 
I contacted Experian again and spoke with a different agent. This person was able to locate the full account number and stated she would correct the charge back to XX/XX/XXXX and remove the XX/XX/XXXX / XX/XX/XXXX that are incorrect. This has NOT been completed ( see screen shot below from my credit report ) I contacted XXXX with the account number given to me from Experian and once again they stated they could not find anything. I do not know how to clear this {$67.00} charge off from XXXX from my credit report. 
Please assist. 
XXXX XXXX
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX  {$4000.00} XXXX. XXXX XXXX XXXX {$2000.00} 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 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCD ) to conduct a reasonable re-investigation disputed information on my credit report, leaving inaccurate, and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPA ) has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, in failing to notify consumers of dispute outcomes adequately. These failures align with my experience where Experian has corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standings. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing XXXX.