23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.
Product: Credit reporting or other personal consumer reports

Introduction & Overview of Complaint I am filing this formal complaint against XXXX XXXX XXXX, for failing to provide a cure period before reporting a late payment, which has inaccurately impacted on my credit report and is now threatening my ability to secure a home loan scheduled to close on XX/XX/XXXX. 
This complaint is not just about a single inaccurate credit reporting incident, it is about the real life impact it is having on me and my entire family. 
I am my family 's primary provider, and we have been planning this home purchase for years to provide stability and security. 
Because of this unjustified credit reporting error, my lender is now reconsidering the mortgage approval or may increase my interest rate significantly.

If this is not resolved immediately, my family may lose the home we have already invested time and money in securing. 
On a call on XX/XX/XXXX, at XXXX EST, XXXX XXXX, with the assistance of XXXX XXXX XXXX, informed Affirm of an anticipated late payment and sought information regarding a cure period before adverse credit reporting. Affirms representative, XXXX, stated that XXXX does not offer a cure period because they do not impose late fees. 
XXXX Under Virginia law, expressly 6.2-1520 ( B ) of the Code of Virginia, lenders are permitted to charge a late payment fee of {$20.00} for any payment not received within 10 days of the due date. This implies a 10-day grace period during which a borrower can make a late payment without incurring a late fee. While the statute does not explicitly mandate a cure period, the allowance for a late fee after 10 days suggests that lenders should provide a 10-day window before taking adverse actions, such as reporting to credit bureaus. 
This directly violates Virginia consumer lending laws and federal credit reporting statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This complaint is submitted with XXXX XXXX XXXX, a financial advocate with expertise in government and consumer financial matters ( not an attorney ). 
II. Complaint Details A. Consumer & Loan Information : Complainant Name : XXXX XXXX XXXX ( Last Four Digits ) : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Address XXXX XXXX XXXX XXXX Wy, XXXX XXXX VA XXXX Financial Institution Involved : XXXX XXXXXXXX. 
Account Type : Installment Loan for Consumer Purchase High Credit Amount : {$1600.00} Balance : {$0.00} ( Paid in Full ) Date Reported Late : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX. Violations and Personal Harm to My Family A. Failure to Provide a Cure Period Before Reporting a Late Payment Violation of Virginia Consumer Lending Laws Affirm failed to provide me with a legally required grace or cure period before reporting my late payment to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$690.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes and have not received removal or information regarding the status of my disputes.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/CARE CREDIT. SYNCB/CARE CREDIT is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/CARE CREDIT is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/CARE CREDIT any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold SYNCB/CARE CREDIT criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/CARE CREDIT can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting or other personal consumer reports

this company has engaged in abusive and unfair practices of the fcra. i recently sent in dispute letters asking for several account to be verified or removed from my credit report i also asked to mailed a copy of any evidence proving the company has a right to report these things. I still have yet to receive proof. I do not except liability of the below account and request the be removed. Since there has been no proper debt validation done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None none of the above agencies have sent me any type of verification or has the 3 reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The comenity bank/forever 21 illegally and incorrectly reported that my credit limit was {$35.00} in which it was {$350.00} and made my credit score go down drastically.
Product: Credit card or prepaid card

This dispute is with Citi who represents Home Depot. I initially had 5 promotional balances for which there were expiration dates before I would be charged interest. I paid off 3 of them in full before the expiration dates in order not to accrue interest. At the moment I have 2 promotional balances left, one expires XX/XX/XXXX and the other XX/XX/XXXX totaling {$2900.00}. 07 but the statement balance is showing {$4100.00}. 

I have been in contact with Citi since XX/XX/XXXX and they have yet to give me a reason for the additional amount of {$1200.00} interest. This is very frustrating and you are my hope that this is resolved soon. I would appreciate you looking into the matter for me
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CREDIT COLLECTION SERV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that CREDIT COLLECTION SERV has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLLECTION SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLLECTION SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CREDIT COLLECTION SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

PNC DEBT COLLECTIONS HAS CALLED ME AND STATED THAT IT WAS A FILE ON ME AND I HAVE UNTIL XXXX TO RESPOND AS IF IS A LAW CASE. THEY ARE MISREPRESENTING THE DEBT COLLECTOR LAWS AND ARE INVOLATION OF DEBT COLLECTION LAWS
Product: Credit reporting or other personal consumer reports

XXXX sold their accounts to this incompetent company. It has been nothing but a nightmare since. The first month, they sent me a statement saying what my payment would be with them. All that looked great, at first. Then shortly after I started receiving phone calls saying my account was behind. How could my account be behind when I havent even had my first due date yet??? I asked many times what the issue was and no one could answer my questions. Just that they can only see what was sent from tally I NEVER missed a payment with XXXX. In fact, I dont have any missed payments on credit report. So I paid a normal payment to them just to get them to leave me alone. Then again, a few days later Im getting calls saying Im XXXX something behind with them. AGAIN, how am I behind when I just got transferred to you all and I have already made a payment??? So I talked to probably about XXXX people asking what the deal was, no one could answer me. One time I would get on a call and they said oh your account is fine then another person would say oh its behind but couldnt explain why. I started to question the legitimacy of this company and was very weary of giving them anymore money. Especially when they couldnt explain what they had on file of why I was behind with tally. When I never was!! A week ago, they reported a late payment on my credit report!!! I called them, outraged. Asked to speak to a supervisor and stayed on hold for XXXX minutes. I finally talked to someone and he was very rude at first. I paid them literally almost XXXX dollars just to shut them up about the money I owed which I didnt. I explained the full situation to him, he finally seemed to care a little and said he would take the extra step and send my information to the credit dispute department. And to call back in a few days, I did that and then called a few days later. They said oh call back in another few days it STILL has not been fixed and they are rejecting my dispute. If this does not fix my problem, I will be contacting an attorney. They should not be able to report me as late, WHEN THEY CANT EVEN FULLY EXPLAIN WHAT XXXX FALSELY REPORTED TO THEM APPARENTLY. funny how I never had this issue with XXXX. This company has TERRIBLE reviews across the board and every person you get on the line can barely speak XXXX and is rude from the get go. Something needs to be done about this scam of a company. I want this FALSELY REPORTED information off my credit IMMEDIATELY!!!!
Product: Debt collection

American Coradius International LLC sent a letter addressed to me. It says I owed on a XXXX account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my XXXX account, nor did I have a purchase of this amount.
Product: Credit card

Consumer Complaint concerning wire fraud and deceptive practices against : XXXX : Performing wire fraud as described by statute is 18 U.S.C. 1343 Wells Fargo : Negligent actions, failure of fiduciary duty to act in clients best interest, accessory to a crime to extort funds under false pretenses, Wells Fargo : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX. XX/XX/year> : Wells Fargo Credit Card charge for rental car to XXXX for XXXX - Legitimate charge XXXX. XX/XX/year> : Wells Fargo Credit Card charge for XX/XX/XXXXXX/XX/XXXXprovided by XX/XX/XXXX- Legitimate charge XXXX. XX/XX/year> : Wells Fargo Credit Card charge for by XXXX for XXXX - Fraudulent charge XX/XX/XXXXmonths after rental agreement end and had been paid in full. Receipts available showing this has been paid. 
Notified Wells Fargo immediately regarding charge. New cards were issued by Wells Fargo, and charge removed. 
XX/XX/year> : Wells Fargo Credit Card charge for XXXX by XXXX. 
Numerous phone calls to Wells Fargo Fraud department regarding charge added to new card. Wells Fargo provided numerous excuses why this occurred, none of which had any evidence that could explain the justification of charge. 
XX/XX/year> : Received response from XXXX regarding issue, they stated easirent replied to them there is a {$38.00} charge for tolls despite my spouse purchasing an XX/XX/XXXXfor the XXXX as seen on card on XX/XX/year>. This still doesnt explain why there would be a XXXX charge XX/XX/XXXX months after rental agreement ended. 

Receipts, Credit Card statements, email communication
Product: Credit reporting or other personal consumer reports

I phoned the company XXXX XXXX XXXX on XX/XX/year> to see if they had an account open under my name ( spoke with a XXXX ) as there is an Auto loan on my credit report that was opened on XX/XX/year> for {$21000.00} that is NOT mine. They, XXXX XXXX XXXX stated that there is nothing open under my name or Social Security number. This information needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has placed me into a tough situation leaving the possibility of my person information hacked.
Product: Credit reporting

I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 



Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a  legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.