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

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

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

I demand the late payment reported in XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I online deposited 2 checks on XX/XX/2020, into my M & T account in the amount of {$240.00} and {$1000.00}, the checks where from FTC v. XXXX XXXX. When I deposited the checks I didn't notice that they had expired, the next morning I contacted the bank Customer Service department to stop the process, I was told to go to a branch location and I did. I went to the branch location the same day and spoke with XXXX XXXX she said that she couldn't stop the process I would have to wait until it was returned and send the checks back and ask them to replace the checks. I sent both checks back to the company asking them for replacements, I then contacted FTC v. XXXX on XX/XX/2020, to see if they received my request and they stated yes, however they would not be issuing replacements because they honored both checks and they cleared on XX/XX/2020. I again contacted M & T Bank letting them know what was told to me by FTC and they said yes it cleared but they were not releasing the funds to me because FTC could ask to the money back and that this could take up to one year for them to release my funds, I needed to get a statement from the company stating that they are not going to ask for the money back and a copy of the cleared check. I then sent another letter on XX/XX/2020, to FTC v. XXXX XXXX requesting a letter stating that they were not going to ask for the money back and a copy of the canceled checks. To date, I have not received any funds and no solution. My M & T online bank account has been inactive since XX/XX/2020, and I don't have any access to my accounts and they sent one on my bill payments back to the company stating that my account was frozen. I have not received a statement since XXXX because I viewed my statement online.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report. Upon reviewing my credit report from your bureau on [ XX/XX/XXXX ], I noticed the following inquiries that I did not authorize : XXXX - [ XX/XX/XXXXXXXX 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 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/XXXX ] I have not applied for credit with these companies, nor have I authorized these inquiries. I believe these inquiries are fraudulent and may be the result of identity theft.

I kindly request that you investigate these inquiries and remove them from my credit report. Please provide me with a written confirmation once the inquiries have been removed. If you find that these inquiries are valid, please send me proof of authorization along with a description of your investigation procedures within 30 days of the closure of this dispute. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/22 my account was breached and unathorized transactions that stole {$3100.00} from my acct.The bank never notified me but the hackers did.I went to the bank on XX/XX/22 and had all mynaccount numbers changed and new cards issued.On XX/XX/22 my new account was breached again for {$340.00} while i was making police report again bank never stopped the activity and never notified me.Again had all accounts numbers changed again. On XX/XX/22 my @ nd new account ws breached again for {$1000.00} for the third dy in a row and the bank failed to stop it knowing my acct was breached prior two days before. all transactions were thru XXXX money app. Bank has done zero to stop these transactions and hasnt a clue to how this could happen.ive had my phone inspected by XXXX and XXXX XXXX and at no time did i have any viruses on my phone as the bank suggested. either the bank has a virus in its system or this was done from inside the bank. If i make multiple tranactions on my debot card the fraud dept puts a block on my card with no warning and i have to call them but they allowed 31 transactions to go thru my acct with out even thinking its fraud ... ....
Product: Mortgage

In XXXX 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( XXXX XXXX ) he gave us the option of a HELOC since the interest was only about 30 % the cost of what the PMI would have been. We agreed and discussed that we only wanted the loan for a year/wanted to be done with it quickly vs dragging it out. He assured us that was n't a problem and that it was an interest only loan allowing us to pay it back on our own timeline/as long as we needed. Two weeks ago we went into the bank to pay it off/close it down to release the lien from our home ... and they told us that since we were closing it so soon we had to pay a {$500.00} penalty for paying it off early. A {$500.00} penalty for paying off a loan early?? This is something the CFPB should focus on with big banks. That should be beyond illegal. This encourages debt/the debt cycle. This also goes against the mortgage seller at the bank and what he told us. Either he lied ( frankly most likely considering the process and how I ca n't believe that team is allowed to lend large sums of money ) or he was uneducated. Either way, it is the responsibility of the bank to deal with it. I received a customer service response to my complaint saying that they are sorry and they forwarded my note to XXXX and his Manager to respond to/address. It has been nearly 2 weeks and no response. Not that I expected it but did ask for it.
Product: Student loan

During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.
Product: Vehicle loan or lease

This account was paid off in XXXX of 2022. As per I have requested that this account be removed from credit report as it is reporting as potentially negative. In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 a Section 2, states that consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies in the reporting of an account with the same bank. It incorrectly shows a late payment for XX/XX/year> on XXXX accounts, which were actually paid on time. 

Consumer reporting agencies are required to ensure the accuracy of all reported information. This account has never had late payments, as evidenced by the attached report. 

I request a thorough investigation into this matter and verifiable proof showing that these payments were late. If this can not be verified, I demand that the records be updated to reflect the on-time payments immediately. 

Thank you for your prompt attention and understanding.
Product: Debt collection

My wife and I have good credit, and no outstanding debts from any source that I'm currently aware of. 

I'm aware of Convergent Outsourcing Solutions, and their debt collection agency, so when they called ME and asked me to verify MY information, without any hint as to why - I grew very suspicious. I asked for their phone number ( XXXX ) and her Supervisor XXXX XXXX XXXX XXXX. I asked what the nature of the call was about and she said it was about " private business matters '' and became pushy. I told her I wasn't interested in confirming identity unless I knew the nature of her business, to which she rambled for a moment claiming legitimacy of her company. She still would not answer my questions about the nature of the call. 

I hung up, and told them not to call back.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Ive been disputing an account that was fraudulently opened in my name. The company, XXXX XXXX XXXX is listened on my credit report as a loan to which I have no knowledge of. 

XXXX claims to have done investigation, yet has not provided evidence of ownership. 

This account is severely impacting my ability to progress on a personal and professional basis. 



CFPB has all already filed a lawsuit against Experian XXXX XXXX alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments
Product: Credit reporting or other personal consumer reports

I signed up for Experian back in 2023 to check my credit score. My identity was stolen. Someone in a different state used my social and worked a job under my name. My taxes and EBT benefits were put on hold until I received proof that it wasn't me. I am issued a certain PIN number every year now just to file my taxes because of this. I received a weird email about a lawyer willing to pay up to XXXX $ to compensate me for a settlement but no one ever followed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to correct information after being provided proof of inaccuracy. XXXX  deleted these addresses because they know they're inaccurate. So how is it Experian is validating these addresses? 

This Violation is : Defamation, and willful injury. 

Legal Jurisdiction : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).

The highlighted addresses are FRAUDULENT. I am a victim of identity theft. Which Experian is very aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME XXXX XXXX XXXX XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. 

ACCOUNT NAME : XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, XXXX of XXXX. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. 
I HAVE NEVER BEEN LATER ON THESE ACCOUNTS I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX - XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.
Product: Checking or savings account

My companys bank accounts were frozen on XX/XX/XXXX due to a fraudulent claim from a customer. This has also resulted in my personal account being locked, making it impossible for me to pay my bills. Another customer informed me that Truist was reaching out to their bank to refund orders that had already been placed and delivered, with these transactions averaging around {$20000.00}, leading to significant losses for my business. 

I have not committed any wrongdoing or fraud. The customer expressed concern about not receiving their merchandise within two days, despite our website and sales reps indicating that it can take up to 10 business days. I offered a full refund, but Truist blocked it. I have proof of this refund request, and there was no misconduct on my part. All my funds are currently locked up, and I need their release to pay my bills and suppliers. This incident is costing me {$20000.00} a week. 

Customers are being refunded without any communication with me or consideration of my side of the story. I feel vulnerable, scared, and like a victim of Truist because of their lack of communication, and I need to resolve this issue quickly. 

I have been unable to get any information from the branches or anyone else about this situation. If theres a disputed transaction, it would be far more effective to hold that specific transaction and contact me directly, rather than freezing my entire account. I urgently need access to my funds, which include {$130000.00} in my business savings, {$590.00} in my business checking, and an additional {$30000.00} in my second business checking account.
Product: Debt collection

Midland contacted a third party regarding an account that they claim belongs to me. The other party contacted me and gave me the phone number to whom they had been contacted by. When I called the number a representative of Midland answered claiming I owed a debt to them.
Product: Debt collection

The debt was original owed in XXXX. If this company was following the church status of limitation law the debt would be unable to be collected on as of this year however Enhanced recovery company has removed and put it back on my credit report several times as a new debt the most recent showing opened XX/XX/XXXX for a balance of over {$2800.00}. The originally balance was less than {$1500.00} on cell phone equipment and a bill. I have never recieved company showing valuation of the debt nor the difference of the increase of the debt they now at that i owe.
Product: Credit reporting or other personal consumer reports

This letter is an official complaint that the credit information you are reporting is wrong and missing parts. 

Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act says that you must physically check any signed customer contracts before putting them on a credit report. This is for all accounts that you put on a credit report. If not, anyone who pays you for your reporting services could send in a fake account by fax, mail, or email.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that TransUnion had placed a duplicate account for my student loans with XXXX on my credit report. On XX/XX/XXXX, XXXX XXXX sent me a notification email saying to check my XXXX account ; and then again on XX/XX/XXXX asking me to check for errors on my credit report. On XX/XX/XXXX, I filed a Dispute with TransUnion regarding an additional student loan amount ( {$69000.00} vs {$69000.00} ) on my credit report. A confirmation of the Dispute auto-generated on XX/XX/XXXX saying the matter would be resolved within 30 days. On XX/XX/XXXX, I received an email update from TransUnion saying the investigation was under way. On XX/XX/XXXX, I received a notification from TransUnion saying they are rejecting my Dispute because it " has already investigated this matter and verified the existing information on my credit file ''. On XX/XX/XXXX, I filed the Dispute again ; however this time, I contacted XXXX by email within their portal and asked that they confirm or reject one of the amounts as accurate once they are contacted by TransUnion. To date the amount remains on my TransUnion account, and I am making an additional phone call today to see if a live representative can be reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX {$370.00} 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 instruction.
Product: Student loan

I took out a Sallie Mae loan in 2015 to pay for lineman college. When I took it out, I was told that if I continued to make on-time payments, my interest rate would continuously get lower. My interest rate was originally around 10 %, and it is now 13.75 %. I have never missed a payment, except when I was in deferment to get my XXXX degree, and I still made payments during the summers. My interest rate has gone up even more, to almost 12 %. This is predatory lending. I am making almost {$500.00} payments a month, and my balance hardly looks like I've paid anything. The original loan was {$27000.00} and it is currently {$26000.00} after XXXX years of payments. Every time I try to call and talk to someone about this, I am told they will call me back, and they never do. I have called XXXX times in the last XXXX weeks with no response. I have called on and off over the years to try and find a solution because I am paying the loan, and they can never offer any solutions. I finally was able to talk to them today and the only thing they could do was enroll me in automatic payments and which would lower my interest rate by 0.25 %. 

I sent in a request to have my co-signer, my mom, removed from the account after being told I needed to send in a formal request XXXX years ago. I have never heard back and she is still on the account. 

This is predatory lending. I am doing everything I can to make progress on this loan to no avail. My balance has not gone down, even {$500.00} a month payments. Please help me come to a solution with them.