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

My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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: Credit reporting, credit repair services, or other personal consumer reports

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I noticed an erroneous amount balance showing up on my Experian Credit Report, so I filed a dispute immediately concerning a previous Loan with XXXX. 

All payments were made on time each month and this amount should not have been showing as outstanding. XXXX did not work in good faith with Experian to resolve the dispute in a timely manner.
Product: Vehicle loan or lease

XX/XX/XXXX, I purchased a car from XXXX XXXX XXXX, they reached out to CREDIT ACCEPTANCE CORPORATATION for and extension of credit. The consumer credit contract interest rates are in violation of the NJSA 31:1-1 CIVIL USURY, which the maximum legal rate in NJ is 16 % per annum if there's a written contract. The contract in question has a 22.99 % interest rate. CREDIT ACCEPTANCE CORPORATATION has continuously engages in these deceptive practices as referenced in CFBP/NY Attorney general lawsuit. since XXXX CREDIT ACCEPTANCE CORPORATATION has issued consumer credit contract with an average of 22.99 % or 23.99 % interest rate, completely and willfully disregarding the individual state statutes on civil usury. Ultimately as the NY Attorney General stated setting the consumer up to fail.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off  XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX
Product: Debt collection

I am writing to express my dissatisfaction NATIONAL CREDIT SYSTEMS with your recent attempt to collect a debt from me regarding my purported overdue balance of {$15000.00}, allegedly owed to XXXX XXXXXXXX XXXX XXXXXXXX XXXX, overdue balance of {$8700.00}, allegedly owed to XXXX XXXX XXXX XXXX, overdue balance of {$5400.00}, allegedly owed to XXXX XXXX XXXX XXXX, with a total balance of {$29000.00} between 3 different separate accounts from 3 different companies being reported by NATIONAL CREDIT SYSTEMS. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXXXXXX XXXX XXXXE XXXX  ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ). I have never had an account with none of those companies. Cease the reportingof the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS.I am requesting the following XXXX.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency XXXXA formal apology from NATIONAL CREDIT SYSTEMS for the violation of my rights under the FDCPA. XXXXCompensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXXReimbursement of any legal fees incurred in addressing this matter. If these demands are not met within upon of receiving this letter or 30 days of the XX/XX/year> of this notice, I will be led with no choice but to pursue legal action against NATIONAL CREDIT SYSTEMS in small claims court to seek the afore mentioned remedies and compensation for the violations of my rights as a consumer under the FDCPA. I have attached a copy of my ID, FTC report, and notice letter sent to NATIONAL CREDIT SYSTEMS. ( Please see attachments )
Product: Credit reporting or other personal consumer reports

Truist Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from XXXX. I have attempted to remedy this issue with Truist, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to Truist for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, Truist continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.
Product: Prepaid card

I bought XXXX {$500.00} XXXX gift card on or around XX/XX/scrub>XXXX XXXX XXXX  that were compromised. I did not get working and merchantable products as advertised. I requested XXXX replacements. XXXX replacement cards arrived in the mail about a week later, but XXXX card never arrived. I called Blackhawk Network twice and was promised that the card would arrive, but it never arrived. They keep on pushing back the expected arrival date and refused or failed to provide me with a refund or replacement for the last card. 

I was given case number XXXX. 

I want a refund of {$500.00}, including the load amount of {$500.00} and the purchase fee of {$6.00}.
Product: Credit card

Privacy Notice XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX The Home Depot XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Effective Date : XX/XX/year> Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed. 

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have already been going through a XXXX XXXX circus with Bank of America over an account I had ending in # XXXX. I tried to close the account but due to a bank error, my rent for XXXX was rejected and the property manager charged me almost {$150.00} in additional fees. To the credit of a local manager out of the XXXX, TN, location named XXXX XXXX, they actually were able to get those fees refunded. But a couple days after that was done another {$100.00} disappeared out of my account for some XXXX XXXX transaction sent to a " XXXX '', and I had no idea what is was for. Turns out the other person on the account I was trying to XXXX close decided to steal {$100.00} from me once she found the money was back in the account. I was told they would reverse the transaction but this never happened and I must have resolution. I have been trying to call BOA and XXXX and its like pulling teeth and hair at the same time to get any help. I bounce from one XXXX to another and no one can help me. I am either hung up on and have to call back and when I finally reached someone I was told " there is nothing they can do because the account is closed. '' REALLY? The entire reason I am still doing this XXXX is because of a bank error ; if the problem had not occurred with my rent NONE OF THIS WOULD HAVE EVER HAPPENED because the account would have been closed .... 
I need my XXXX money back and the person prosecuted for this crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and on XX/XX/2022 I send XXXX letters to Experian informing Experian of them reporting incorrect addresses and employment history on my credit report, along with proof showing my correct address. On XX/XX/2022, I even send then a final notice to delete the incorrect addresses and employment history, and when I checked my account with Experian on XX/XX/2022, I notice that they did not removed the incorrect addresses and employment history from my credit report. Experian is reporting address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, which is incorrect. You see I never lived there. Experian is also reporting incorrect employer such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which I never worked there either. I an giving you permission to contact Experian on my behalf to have Experian remove the incorrect address and employer information off my credit report. You can email me or send me updated information through the mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX showing that Experian has complied with yours and my request. Thank You!
Product: Credit reporting or other personal consumer reports

Errors involving unauthorized inquiries, as per 15 USC 1681c-2, are present on my credit report. I request the removal of all unauthorized hard inquiries.
Product: Checking or savings account

This is a complaint against Bank Of America business account department, the problem arose when I deposited a check that was returned, I still don't know the reason and in my business account I had {$5500.00} and they have blocked that amount, I don't understand why It is blocked if the check was returned. I demand that my account be unblocked and the bank return my money. My money has been blocked since XXXX
Product: Credit reporting

I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, 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 - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were XXXX XXXX Unverified Account and XXXX XXXX Unverified Account, and the Public record XXXX XXXX XXXX the credit Bureaus have not done so and have not deleted these XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit card or prepaid card

I made two disputes on charges made by my XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. 

XX/XX/2021. Marchant charged {$38.00}, which includes {$28.00} XXXX service covered by my XXXX XXXX  plan XX/XX/2021. Marchant charged {$280.00} while XXXX approved {$230.00} as my copayment amount. 

I have submitted documents to prove these two overcharges to CitiBank N.A., but they made multiple mistakes, and now ended up charging me more than the original amount. 

Transaction on XX/XX/2021. Citi first gave me a conditional credit of {$28.00}, and later reversed the entire amount, so I still pay the merchant {$38.00}. 

Transaction on XX/XX/2021. Citi mistakenly charged me {$230.00} on top of the existing amount. So, I now have to pay {$510.00}. 

I contacted Citi Contact Center three times by phone ( XXXX ) on XXXX XXXX, XX/XX/XXXX and XXXX XXXX, and also contacted their representatives using their chat service on XXXX XXXX. They have failed to resolve the issues. 

Thank you for your attention. I have attached the following four documents.

1 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that I do not owe the merchant {$0.00}. The merchant later gave me a breakdown of {$38.00} ( {$28.00} for XXXX and {$10.00} for XXXX ). 
2 ) XXXX Coverage Info, which indicates that XXXX is covered under my insurance 3 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that my copayment is {$230.00} instead of {$280.00}. 
4 ) A list of related transactions in the Citi statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and Transunion requesting a letter of validation for an account ( XXXX XXXX ) ..No validation was provided and they failed to remove this report from my credit report. They allowed the company to add a XXXX to the account dropping my score over 40 points, which They have done this on more than one occasion, causing my credit score to go up and down with aprox 40+ points, by allowing this company to add a {$1.00} or take away a XXXX amount, yet this account has never been validated and when asked to remove the account, due to a lack of validation. There is no response or some remark added to my acct, with no validation.that causes my credit score to drop. I have attended to request a debt validation with this company ... .with no response., so I don't believe they have recieved any response from them, nor have they removed this account after not receiving any requested validation, even though they are legally required too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Secured credit card was opened with XXXX XXXX  in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as 56 charge offs for the amount of {$9.00}. XXXX is only reporting this account to Experian and XXXX, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts with EQUIFAX and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get EQUIFAX to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Equifax has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. My initial request for information verifying or removal of the accounts these accounts was mailed to EQUIFAX on XX/XX/2018. The accounts are XXXX. XXXX XXXX, Ky XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  .I have documented many of my request for information and have received confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX
Product: Credit card

My payment was due XX/XX/year>. I sent my payment in full on XX/XX/year>. In correspondence from Comenity they indicate they did not process my payment until 9 days later on XX/XX/year>. They delayed in processing and then proceeded to charge me late fees even while the matter was being investigated. I made a purchase of {$16.00} and NOW they are trying to extort {$100.00} from me by damaging my credit and preventing me from buying a car. They refuse to correct this with the credit agencies and they are ruining my credit. I have sent them proof of my payment and they just keep reporting my account late and charging me {$40.00} late fees. This is fraud. Please do something!
Product: Checking or savings account

A fraudulent checking account was created online with my information with Well Fargo Bank. This account was created online with XXXX dollars deposited on XX/XX/2021. I received a debit card in the mail and a letter with a PIN number as well as a letter from Fraud & Claims Management Dept from Wells Fargo stating closure of deposit accounts. I have alerted Wells Fargo regarding this matter. I checked my credit report and there is no information about any new accounts created.