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

My accounts 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 to be removed/updated.

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.

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!
Product: Checking or savings account

On Sunday, XX/XX/2021 I received an alert from XXXX XXXX asking if I was attempting to open an account with Wells Fargo. A few minutes later I received an email from Wells Fargo notifying me of an online application for a checking account, showing the applicant provided my name ( spelled correctly ), social security number, and date of birth. I immediately called both companies but got recordings to call back during business hours Monday through Friday. I called XXXX the following day, Monday, reported the identity theft, received a case number and instructions they would call back to 3-way call with Well Fargo. It was two days later, Wednesday, XX/XX/XXXX, when XXXX called with Wells Fargo. Wells Fargo stated they were placing a freeze on the application and gave me a case number. On XX/XX/XXXX, I called XXXX, who placed another 3-way call to Wells Fargo to follow up on the case. The " freeze '' on application apparently did not keep it from becoming an account, as advised on XX/XX/XXXX. They asked my name, social security number, email address, phone number, and address. They stated the phone number and address were different than what I provided. They advised they put a freeze on the account and issued another case number. On XX/XX/XXXX I followed the link to the account through the email Wells Fargo sent me on XX/XX/XXXX, which provided me with the account number, routing number, and application status as " signed and completed. '' I called XXXX, who 3-way 'd the call with Wells Fargo to check the status of the account. It still had not been closed. By the end of the phone call, Wells Fargo Fraud Department stated the account had been closed ( by him ). I still do not have any information about any charges, or what information they gathered in their " investigation '' of the fraudulent account. He only said they would send a document in the mail. At least he got my correct address to send it to. It's so frustrating that I had to keep following up every week to get them to do their job!
Product: Debt collection

I received a letter from an attorney office about a lawsuit being filed against me from a Midland Funding LLC. I am not sure what it is. I have received calls starting right at XXXX XXXX and stopping at XXXX XXXX from weird numbers without 10 digits calling my phone and would ask for me without identifying who they are if I answered. A year ago, this same thing happen and I received a garnishment for something I had no idea what the debt was. I am afraid they will garnish me again for another mysterious debt. I tried calling but they want you to identify social security numbers, date of birth and address as if you are admitting to debt or an account. I refused to provide any of it because the last time that is when they were able to collect from me when I was trying to find out about the debt.
Product: Credit card

Complaint against XXXX XXXX at the dispute center and a fraudulent charge To the excecutive office. 
XXXX XXXX Your XXXX XXXX at the dispute center is a total waste of time I am requesting XXXX office to contact me regarding this issue no later than tomorrow Otherwise a CFPB complaint will be filed. 
This mananger is a waste of time she is incompetent to answer simple question and resolve issues I was on the phone for over an hour and she didnt fix anything She shouldnt be in that position total waste of time. 
I have sent documents more than once regarding this dispute and also charge is on my account twice She couldnt fix the issue. She also provided incorrect info more than once. 

XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX ] XXXX XXXX XXXX Dispute of Inaccurate XXXX  Information To Whom It May Concern, I am writing to dispute the inaccurate and incorrect bankruptcy information that is currently appearing on my credit report. Upon reviewing my report, I have found that there are multiple listings on my credit report regarding a current XXXX. This information is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on credit reports. This XXXX  entry is neither accurate nor complete, and its continued presence on my credit report is causing significant harm to my financial standing. 

I am formally requesting that you investigate this matter and remove the XXXX  XXXX  information from my credit report without delay. Failure to correct this issue within the time period allowed by law ( XXXX  days ) will leave me no choice but to pursue legal action under the FCRA for willful non-compliance, including filing a civil suit to recover damages caused by this inaccurate reporting. 

Please confirm in writing that you have received this letter and have initiated an investigation to remove the XXXX XXXX information from my file. I have attached copies of all relevant documents supporting my dispute, including a copy of my credit report with the incorrect information highlighted. 

Thank you for your prompt attention to this matter. I expect to hear from you within the legally required XXXX  days regarding the results of your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Best Buy credit card and have recently started being charged a monthly {$35.00} fee for " Debt Protection '' Citi Bank claims a third party is charging me and they can not do anything. However, this is a massive issue on the Best Buy forums. I did not consistent to this and have had this card for over ten years and this just started showing up. I have lost over {$600.00} going back through my transactions. I want this fee terminated and my money refunded!
Product: Debt collection

I do not recognize this debt, it is past the statute of limitations, they are also parking this debt illegally on my credit reports, with no collection activity.
Product: Debt collection

I contacted credit bureaus and also Portfolio in both XXXX and XXXX disputing a debt that appeared on my credit report. 

I asked for validation of the debt, because I believe it to be identity theft. I lived with a woman in XXXX that had access to my mail and could have lent to any charges. I already had illegal accounts made by XXXX XXXX as well, with XXXX. 

I received notices from Portfolio without any proof of ownership, including statements, original ownership of account information, contracts, etc. 

I have gone through this multiple times now, and they refuse to delete from the credit reports.
Product: Credit reporting or other personal consumer reports

ON XX/XX/22 I GOT FIRED FROM MY JOB AS A XXXX XXXX  AT XXXX AT XXXX XXXX. I ALSO LIVED THERE AND FOUND OUT I WAS XXXX. AFTER LOSING MY JOB I HAD NO INCOME TO CONTINUE TO KEEP UP WITH MY BILLS. I HAD APPLIED FOR TEXAS RENT RELIEF I GOT APPROVED HOWEVER THE RENT CHECK WAS SENT TO THE WRONG ADDRESS EVERYTHING THAT WENT ON THE PROPERTY MANAGER WAS INFORMED. I APPLIED FOR JOB AFTER JOB NOTHING WAS NOT MOVING FAST ENOUGH. THIS WAS A NATURAL DIASTER FOR ME AND MY FAMILY. IM DEMANDING THIS DEBT TO BE REMOVE OFF MY CREDIT. I GET FIRED I APPLIED FOR RENT ASSISTANCE GOT APPROVED IT WAS NOT FAULT IT WAS TEXAS RENT RELIEF THEY WERE WORKING TO FIX THE PROBLEM. ITS HARD FOR ME TO GET A HOME FOR ME AND MY XXXX KIDS. HOW DO YOU EXPECT ME TO PAY RENT AFTER YOU FIRED ME KNOWING I LIVED ON PROPERTY. THERE WAS A MOTION FOR NONSUIT OR DISMISSAL FILED FROM THE PLAINTIFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a phone call from XXXX Bank stating that I was late on my mortgage payment. I told them there was an error on their end as the payment was made on XX/XX/2022 through their payment portal for the monthly amount due of {$1500.00}. XXXX Bank representative asked that I provide evidence of my bank statements and transactions via email. A detailed email was sent on XX/XX/2022 with the required evidence. On XX/XX/2022 I received a mortgage loan statement showing an unapplied balance of {$1500.00}. I sent a second email with a copy of the loan statement showing the unapplied balance and requesting it be applied to XXXX monthly payment as intended. I received no response from XXXX Bank. On XX/XX/2022 I received a credit report alert showing late payment on my mortgage loan. On XX/XX/2022 I filed a dispute with XXXX and also sent a written request to the financial institution explaining the situation and requesting they amend the credit report. On XX/XX/2022 I received the dispute resolution report showing not only late payment for XXXX, but additionally XXXX. The bank took retaliation against my dispute and reported an additional late payment for the month of XXXX thus negatively impacting my credit and my ability to obtain credit offers for individuals with excellent score. XXXX payment for the amount of {$1500.00} was made on XX/XX/2022 through their payment portal. There is evidently a problem with XXXX Bank 's payment process and/or their financial system. XXXX Bank has never responded to my requests, neither via email nor via mail.
Product: Credit card

The total money that I am disputing is XXXX, I use XXXX XXXX XXXX credit credits cards to split the transaction, The first card is ending XXXX, the full account is I split this money on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00}, I filed dispute for this account, the investigation is already over, the issue resolved in my favor. As you can check on the sellers invoice as i have attached. The second card is ending XXXX which is this account, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, {$8300.00}, it is ridiculous and it doesn't make sense for the same transaction I just use XXXX different credit cards the first ending XXXX XXXX results in my favorite and the second XXXX XXXX failed, I use the return label that the seller provide to me and return drop off in the XXXX location and I have received from my return record. it appears that XXXX lost the package, it is not my responsibility since the shipping label is provided by the seller, I don't have any right on this, only the seller has responsibility and qualified to file a claim with XXXX, as a customer I did everything I need to do. and I already have win the case with my other account. I do not understand why this account failed to dispute, I have the record for the return shipment, I don't that the time that I paid on my position
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.
Product: Debt collection

In XX/XX/XXXX I sent a letter to Wells Fargo about a credit card account from XXXX that was opened without my signature and consent. Wells Fargo did not respond within 45 days nor did they halt interest charges/payments during the investigation. They wrote me back months later ( XXXX ) from a mediation team and reached a resolution for compensation in my favor. Both parties agreed that my rights were violated and we discussed that I was not given the opportunity to opt-in or opt-out of my information being shared with a third party because an application was completed by a teller without my consent. A part of the resolution from mediation was that this debt/credit card would be removed from all credit agencies that it was previously reported to. 

Now, I have received a letter from a third party debt collector in regards to this debt. Wells Fargo is sharing my information again with third parties without consent or signed disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act JPMCB CARD Account # 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Incorrect Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to dispute inaccurate late payment information appearing on my Experian credit report for the XXXX mortgage account ( Account # : XXXX ). 
Details of the Dispute Your records erroneously reflect late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These notations are incorrect and unsupported by my payment history, as evidenced by the enclosed documentation. 
Legal Basis for Dispute The reporting of these late payments violates several federal laws, including : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Prohibits reporting inaccurate or outdated information.

15 U.S. Code 1681s-2 ( b ) : Requires furnishers of information to investigate and correct inaccuracies upon notification.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Billing statements must be provided in a timely manner, at least 21 days before the payment due date.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Credit bureaus must ensure fairness, accuracy, and prompt resolution of consumer disputes.

15 U.S. Code 1681n and 1681o : Violations of these laws expose furnishers and credit bureaus to liability for both willful and negligent non-compliance. 
Requested Resolution I demand the removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and written confirmation of the correction. 
Enclosures Included are the following documents to support my claim : Copy of my identification ( ID ).

Proof of address.

Copy of my Social Security card.

Highlighted credit report showing errors.

Bank statements proving timely payments. 
Notice of Potential Escalation If this matter is not resolved within the time frame required by the FCRA, I will file formal complaints with the CFPB, FTC, and potentially pursue legal action under applicable laws. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off on my credit report. According to the information provided by [ Creditors Name ] under account number [ Account Number ], this account was reported as a charge-off. However, I have not received a 1099-C form from the creditor indicating the cancellation of debt, which is required under IRS regulations when a debt is discharged.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incomplete or inaccurate. I am requesting that you investigate this matter in compliance with 15 U.S.C. 1681i of the FCRA, which mandates reinvestigation of disputes, and that you remove this charge-off from my credit report if the creditor can not substantiate this entry with proper documentation, including a 1099-C form as required by IRS guidelines. 

Additionally, per the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), if a debt is reported as a charge-off, it should be verifiable. Given that I have not received a 1099-C form, there is no verification of the debt being canceled or discharged. Reporting this account as a charge-off without supporting documentation violates these regulations. 

Please investigate this account and remove the charge-off notation if the creditor can not validate its accuracy. I have attached a copy of my identification and recent utility bill to verify my identity. 

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Product: Debt collection

I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.
Product: Credit card or prepaid card

I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

everytime i feel out a job application they go in and make it look like I've been convicted of these charges when in fact they are pending and the job application states have you been convicted which my answer is no and checker background deliberately deletes the word " charges pending '' off my report so it can look like I've been convicted already this is so wrong
Product: Credit reporting or other personal consumer reports

There are XXXX credit cards reporting on my credit from this company. I never opened any accounts with this company and I am a victim of identity theft. The birthday and reported to this company is also incorrect. Attached you will find copies of all things filed. I also mailed a copy of attached items to company directly