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

My account with CAPITAL ONE was never late! I have had exceptional payment history with CAPITAL ONE 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/XXXX to XX/XX/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.

CAPITAL ONE 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

Hello, my name is XXXX XXXX i have been contacted by IQData international about two separate apartments that don't match my social security information. I have tried to resolve these issues with the company several times as i have expressed to them that they have the wrong information attached to my name and i don't owe these debts to the complex 's. I have been dealing with these issues since 2019 and they still are not resolved, I have sent them information several times and they keep saying they never received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banana Republic Credit Card/Barclays Bank Delaware did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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

A debt collection company has been posting derogatory information regarding a claim that I dispute. They claim that I had not paid a {$150.00} bill to XXXX XXXX XXXX XXXX XXXX. 
I told them that I had two cancelled checks of that amount and if they would send me the details, then I seek to match a check and send them a copy. They have never sent me any information verifying the claim and, yet, they keep adding interest charges. It appears that they are delaying simply to extort more money from me by adding interest charges after their failure to provide the requested details.
Product: Debt collection

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
Product: Debt collection

I sent them ( JNR XXXX ) a letter telling them to stop contacting me. They ignored my request and continue their collection attempts. 

Also, there is no debt. All my bills are paid in full, including the one they claim is unpaid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, XXXX, and Experian to remove these accounts from my consumer report and correct my score according to the corrections made.
Product: Checking or savings account

A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.
Product: Checking or savings account

XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim
Product: Debt collection

Hello, CFPB I am a victim of a hate crime! 

On behalf of all matters regarding CREDIT CARD DEBT. 

I AM SENDING THE FOLLOWING COMPLAINT FOR YOU TO INVESTIGATE MY CREDIT PROFILE/ HISTORY TO CHECK FOR ANY UPDATES PERTAINING TO CYBER CRIMINALS, CREDIT CARD SCAMMERS, OR STOLEN SOCIAL SECURITY NUMBER DEBT SUSPECTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX & HIS WIFE XXXX XXXX ( PROPERTY MANAGER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX XXXX CEO ; XXXX XXXX & XXXX ; XXXX XXXX BOTH COMMITED XXXX ABOVE MY APARTMENT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX Phone : ( XXXX ) XXXX Please notify Judge ; CHAMBERS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX
Product: Mortgage

I refinanced my home last year, XXXX XXXX. BSI Financial is the loan servicer for my home mortgage. In XXXX, I received a statement from my County indicating that all of the XXXX taxes were not paid and I owed a balance of {$1.00}. I called BSI and indicated that I have XXXX XXXX parcels and that only XXXX of the XXXX taxes was paid. I gave the individual the parcel # over the phone and was informed that I would not be assessed a penalty. In XXXX, I received an escrow analysis that shows BSI Financial paid my XXXX taxes of {$1900.00} in XXXX and again in XXXX. 

They also paid XXXX  taxes of {$1800.00} in XXXX and again in XXXX (?? ) and now they want to increase my escrow account from {$440.00} to {$780.00} a month. I have no clue what property they paid {$3600.00} from my escrow account. I have tried calling them and have left XXXX very detailed voice mail messages for XXXX XXXX, BSI at XXXX XXXX with no return response. BSI wants to increase my current monthly payment from $ XXXX to $ XXXX on XXXX
Product: Debt collection

Midland Credit has continously been harassing by phone calls and mail about a debt I don't owe. They claim I opened a credit card in a state I've never lived ever. I notified them about me been a victim of identity theft and how I have notified that to the corresponding agencies. Midland kept harassing saying that's everybody excuse for not paying. After two years of harassment, they sued me in another state than where the allegedly debt was originated. there are in discrepancies in my credit report and those have been notified to the collection agencies, but Midland Credit doesn't accept any proof, they just want me to pay for a credit card balance that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as " charged off '' every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. 
I am demanding a deletion of the following account : account # XXXX XXXX XXXX  1. PAYMENT HISTORY IS DIFFERENT ON XXXX CREDIT REPORT COMPARED TO EQUIFAX CREDIT REPORT. THE HISTORY GOES AS LISTED ON XXXX XXXX + CO ( XX/XX/XXXX DAYS LATE MODEL ) BUT ON EQUIFAX XXXX XXXX. THE BALANCE ON THE CHARGED OFF DEBT IS DIFFERENT, XXXX LISTS IT AT {$22000.00} BUT EQUIFAX LISTED THE DEBT AT {$23000.00} XXXX. BOTH XXXX AND EQUIFAX REPORT THAT THE LAST PAYMENT MADE ON THE ACCOUNT WAS IN XX/XX/XXXX BUT THE PAYMENT HISTORY SECTION IS REPORTING A LATE PAYMENT FOR THIS MONTH. THE XXXX PAYMENT MONTH SHOULD BE UPDATED TO CURRENT AND ON TIME.
Product: Vehicle loan or lease

During these dates timeframes we went through the hardship of me loosing my job as I had my XXXX  child and could no longer afford to put all of them in daycare. This time was a struggle. We would appreciate the courtesy of investigating why there are so many late payments as we did pay on time! So believe all information is inaccurate. We have tried to get information from them and failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... SOURCE RECVB ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

In 2018, Collecto, Inc. d/b/a EOS CCA attempted to collect debt on on debt that is unenforceable, especially one that was originally at the about of about {$1500.00}. They were notified that XXXX XXXX Bank did not tell them the truth and they were told that I am contesting the the amounts. I am also contesting the fact that I am a XXXX veteran and they tried to transfer my debt to a third party, which I commanded not to communicate with me, which was after I commanded Collecto, Inc. to not communicate with me in any form, which they illegally disobeyed me. They dared to do this to a US Veteran suffering from XXXX, acquired in XXXX, XXXX.
Product: Debt collection

I've requested Tek Collect to validate the debt in the amount of {$280.00}. Tek Collect sends a statement of services and my patient registration information. This does not constitute validation of the debt they allege owed to Tek Collect. Tek Collect is defaming my character by reporting a derogatory collection account to my credit file. For there to be an enforceable claim all parties must consent to contract. I have never given consent to contract with Tek Collect. I have been asking Tek Collect to substantively respond to the following question : Show me your lawful authority to enforce a debt claim against me to my detriment without my consent. If they will not substantively answer, they must cease and desist and immediately remove any derogatory reporting to the credit bureaus. 
Further there is discrepancy with the date opened that is being reported. ( please see attached ). 

Further I am requesting Tek Collect Provide written confirmation this matter has been permanently resolved.
Product: Credit card

On my XX/XX/ statement from CareCredit I noticed a {$140.00} charge that was posted XX/XX/XXXX. I knew this was from a subscription I had signed up with while I was working for my previous employer. 

I contacted the company, XXXX, shortly after and let them know I could no longer access that account and needed help cancelling the subscription. I got a case number at the time and waited. I didn't hear back so I reached out again. I got another case number and nothing. At this point I reached out to CareCredit to dispute the charge. 

I spoke with CareCredit in the middle of XXXX, and then at the end of XXXX I saw I had been refunded the total so I assumed all had been taken care of. Then, on XX/XX/XXXX I saw that the charge was there again. 

I was hoping it was a mistake, but it wasn't. I called CareCredit again last week, XX/XX/XXXX to figure out what had happened. They said that XXXX had denied the request and that I was in fact being charged. I explained the situation again, that I can't access that account to do anything about this, and they have opened another case with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the 30 day investigation window allowed by the FCRA has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my XXXX " aka '' XXXX XXXX XXXX was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called XXXX and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a XXXX balance. On my next statement I get a {$25.00} charge from XXXX " aka '' XXXX XXXX XXXX saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? XXXX " aka '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I never made the Fraudulent purchase and they are reporting me delinquent to " Experian '' who is upholding their decision. Experian has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Product: Debt collection

I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of XXXX XXXX XXXX that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of citizens bank. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XX/XX/XXXX
Product: Credit card

This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED XXXX XXXX XXXX XXXX WHY IS THE ACCOUNT REPORTING MORE THAN ONCE? 

ONE WITH A BLANCE OF {$770.00}, {$2200.00}, {$2700.00} AND {$770.00} LOOKS LIKE DUPILICATE ACCOUNTS TO HARM MY CREDIT WORITHENESS. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED CREDIT COLL