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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX 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 card or prepaid card

XXXX - After checking my XXXX XXXX account online I came across a change that was reported by one of my creditors, Total Credit Card by XXXX XXXX XXXX , stating that my credit card account with them was " closed. '' XXXX - I instantly contacted Total Credit Card and spoke to a Supervisor by the name of XXXX XXXX XXXX ). She stated that the account was closed on XX/XX/2023 because a credit repair agency reported a " fraudulent application claim '' regarding my account, therefore, they ( Total Credit Card ) decided to close the account. I shared with her that the date I came across was XX/XX/2023, not XX/XX/2023. She didn't respond. Call ended! XXXX - I received a correspondence in the mail, dated XX/XX/2023, from Total Visa Card , stating the completion of their investigation and their decision to close my account due to " my fraud application correspondence '' received. I'm extremely disappointed with this creditor. I have never initiated such, and there's nothing that I've disputed of this magnitude that involves any type of fraudulent application on my behalf. I've not dismissed or disputed ownership to this account. I applied for this credit card account, in hopes to assist in building my credit history and credit score. But, after receiving such a disturbing and disruptive correspondence in the mail, I'm lost for words regarding something that was intended to help me moving forward. XXXX to the present & ongoing - This closed account, which was supposedly reported only to XXXX XXXX not XXXX and XXXX has impacted my credit & credit score negatively. The account balance was being paid down recently, but Total Credit Card is reporting an increase of {$180.00} which also increased the credit utilization by 17 %. And because of this, my credit score instantly dropped a -38 points due to this false reporting. This false reporting has caused me great damage to my credit overnight. It's frustrating to try and get back to normality when all of a sudden, without any notice, my account with Total Credit Card closes and there are mixed signals circulating in all directions, not knowing what's going on. Total Credit Card closed my account behind a reason that I have not initiated or took part in. I have no knowledge of these accusations ( fraud application correspondence ) that were set before me and caused my account to close, and my credit report/credit score to be damaged and affected negatively. ****I have never came across such a callous group of people. It's striking to see how insensitive these people are. They have control issues over your credit and what they're able to do to intentionally destroy you, even with false claims. They will go through any measure of impacting your life, negatively and drastically, if they're given the authority as a creditor, abusing the system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Pa, XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Co ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which | will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & Equifax Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.
Product: Checking or savings account

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Letter This is a follow-up complaint to a complaint I filed on XX/XX/XXXX. Complaint ID XXXX. 

My original complaint was filed 6 weeks after the first fraud incident. 

It has now been 12 weeks since the first fraud incident ( 90 days ) and there have been no updates on the status of the investigation or indication on whether I will get my money back from the two fraud claims that I filed in XX/XX/XXXX. I have received a call from Citizens Bank from the Office of the President after filing my original CFPB complaint, and have also received letters from the bank dated XX/XX/XXXX, but only to let me know that the bank is still working on the issue. I have not been offered provisionary credit or a timeline as to when I will be credited my money bank. 

As I have been patiently waiting, I have endured several mistakes by the bank. The first incident I reported in my previous complaint letter, stating that the Collections Department moved money from my savings account to my checking account without my permission to true up a negative balance. The second incident occurred as a service charge for not using the checking account that had been affected by fraud and closed ( XX/XX/XXXX ). The bank also made an error when I closed the account immediately after the first fraud incident, only to have another fraudulent check written and cashed from my closed account ( it had not been put in credit only status. 

I am filing this second complaint with CFPB to demonstrate the banks negligence on the issue through the entire investigation and the numerous errors that have been made in the process. After 90 days, I still have no answers as to if or when I will receive the money that I am owed after being a victim of fraud. 

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

I am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sign up for home security services with XXXX XXXX XXXX located in XXXX NC, an authorized provider for XXXX, XXXX. 
Due to military XXXX to the XXXX XXXX, I cancelled my service in XX/XX/XXXX. I informed the XXXX customer representative of the reason for the cancellation and provided a copy of my official military orders. The representative informed me that I would incur no early cancellation cost because my cancellation is protected their policy. 
Shortly after the cancellation with XXXX, I received a suspicious XXXX invoice ( # XXXX ) from XXXX XXXX XXXX for the amount of {$2200.00} on XX/XX/XXXX for early termination. The invoice was suspicious because I never made any payments to XXXX XXXX during the time I had home security service. All payments were made to XXXX. 
I continued to receive multiple phone calls from them even after informing them that my cancellation is covered by XXXX policy and the Service member Civil relief act ( SCRA ) and that I have a zero-balance letter from XXXX. 
The phone calls eventually stopped after forwarding the letter to one of their employees. 
On XX/XX/XXXX, GLOBAL CONSULTING AGENCY flagged my account as Collections on behalf of XXXX XXXX XXXX for the amount of {$2200.00}. 
On XX/XX/XXXX, at around XXXX, XXXX customer service representative XXXX XXXX call reference # : XXXX ) reiterated that my cancellation is protected by XXXX XXXX and that Impulse XXXX XXXX XXXX not have charged me for any fees. I filed a dispute with XXXX on XXXX XX/XX/XXXX and submitted my official military orders, a XXXXbalance letter from XXXX and the XXXX invoice. On XXXX XXXX, the report was finalized with the following statement from XXXX : The dispute for the account with GLOBAL CONSULTING AGENCY that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
I should not have incurred a debt per XXXX policy and the Servicemember Civil relief Act.
Product: Credit reporting

This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXX A XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I received a credit alert from the credit bureaus that I have 5 different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out 5 different loans in XX/XX/2019. I dont understand how someone could get approved for 5 loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
Product: Credit card

Got a chase bank cash advance on my XXXX credit card ( since closed ) I paid it off in full 3 days later. Teller wasn't aware of Chase Bank policy that you can't pay off a Chase Bank cash.advance until 30 days after the next statement comes out, and by mistake she accepted the payment, but posted it against my regular credit card balance. This caused my interest rate to spike to 29 % Chase is still asking my to pay the balance of {$1500.00}. They made this card 0 % interest, but never got rid of the excess interest chargesXXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Dear GM Financial Customer Service Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account ending in XXXX. I greatly appreciate your responses to my previous correspondence, including the letters I received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

To assist in processing this request, I have attached copies of these letters for your reference. However, I now need a copy of the Form 1099-C for my tax records. 

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : XX/XX/XXXX This document is essential for my tax records, as the Internal Revenue Service XXXX IRS ) XXXX me to report any canceled debt as income. I kindly request that you confirm whether a Form XXXX has been issued for this account. If it has, please send a copy to the address provided above. 

Additional Information If a Form XXXX has not yet been issued, I request confirmation of whether the debt has been canceled and, if applicable, the required documentation to comply with IRS guidelines XXXX 

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

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times. Ssn XXXX
Product: Debt collection

on XX/XX/2015 a collector call my place of employment and tolled the secretary that if i do n't pay he was going to have myself arrested and that i was going to lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Experian credit bureau I have disputed XXXX XXXX for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed Experian did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with XXXX XXXX a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues XXXX XXXX is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and Experian doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof