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

Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX  Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law. 

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least XXXX days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment. 

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, I was approved for Covid relief forbearance on my mortgage held XXXX XXXX in XX/XX/XXXX. I extended it in 3 month increments until XX/XX/XXXX with no problems. My loan was transferred to a different services in XX/XX/XXXX. It was transferred to XXXX XXXX XXXX. Due to new legislation, FHA, XXXX XXXX, and XXXX XXXX loans were eligible for another 6 month extension. My loan is privately held and not one of those. But even still, under XXXX XXXX, applying for the forbearance was very easy and straightforward. When it came time to extend the forbearance again after XX/XX/XXXX, XXXX XXXX XXXX required proof of unemployment with paperwork that is not available from my states unemployment office. I sent them as many things that I could like bank statements, my unemployment account screenshot, my original unemployment award letter, etc but they said everything was insufficient. They said that I need to submitted a current award letter saying that I am currently getting unemployment benefits in XXXX. Virginia XXXX XXXX did not send a updated award letters to people and they do not answer phone calls or emails so I can not even request one. The legislation on Covid relief explicitly states that no proof is required yet this company is requiring it. I understand that the legislation is only for specific loans but my loan holder has been the same and XXXX XXXX did not require any documentation. It is XXXX XXXX XXXX that is requiring it
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows Excellent approval ratings for a loan with AVANT so I took the offer for pre-approval, then applied and I was " approved '' The loan provider AVANT then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. XXXX  XXXX shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the XXXX XXXX soft pull and then the AVANT soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.
Product: Money transfer, virtual currency, or money service

I I deposited {$1100.00} at an ATM Wells Fargo XXXX XXXX XXXX the ATM did not give me a receipt and also put the wrong amount in my account only saying I deposited {$710.00} when I really deposited {$1100.00} in cash I then filed a report with the bank and they did an investigation and they said that they did not make a mistake after a month and a half of looking into it I firmly disagree with this decision because this is fraud I counted the exact money that I put into the ATM on XX/XX/XXXX and it was {$1100.00} so the bank needs to take responsibility for this and give me the {$400.00} that they owe me. They are refusing to hear my complaint and challenge their decision and poor investigation I feel that this is criminal to steal money from a customer when Im depositing cash at an ATM that doesnt print receipts like it should. Please help!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXX CT XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 
Creditor : XXXX # XXXX The payment status shows included in bankruptcy XXXX, XXXX, or XXXX which is inaccurate. Status update shows XXXX XXXX which is inaccurate since the account was updated as a result of the previous investigation. The payment history shows a negative status for the month of XXXX which is inaccurate since this account was not late in XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
Creditor : XXXX. # The payment status shows included in bankruptcy XXXX, or XXXX which is inaccurate. The bankruptcy shows date of XXXX XXXX which is after the negative recorded in XXXX XXXX so the status would show XXXX XXXX not XXXX XXXX and further more since this account was updated per their last investigation the status should show XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, XXXX XXXX XXXX The request in this letter were ignored! I never received an updated copy of my report and XXXXXXXX XXXX a creditor never received a update copy of my credit report.
Product: Credit reporting or other personal consumer reports

My account with 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. ) to be removed. 

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

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

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: Checking or savings account

As a consumer by law only I can validate a debt. XXXX sent me documents with W Signatures and things on it. Those signatures can be anybody signature. 
If a debt collector got myinformation from the alleged corporation I did business with that's a violation.I didnt consent to or sign off on them to Waive my information. 
That's called fraud it's no way around it. 

That's unauthorized use under 15 USC 1602 ( p ) D The term " unauthorized use, '' as used in 44 " section 1643 of this title, means a use of a credit card ( social security card ) by a person other than the cardholder ( Consumer ) who proter does not have actual, implied, or apparentonlylc.. 
authority for such use and from thich l
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft, I found that under section XXXX ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

I just checked my credit and noticed a closed account for XXXX XXXX and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with XXXX XXXX. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion through the phone on XX/XX/2022 and I've also sent letters in regards to incorrect information on my account. Per 15 U.S.C. 1681, all credit reporting agencies should report the same, accurate information all across the board. I am not sure where TransUnion is getting false information that's on my credit report. I am requesting that an investigation be done, as per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ). I am requesting that TransUnion report the same information that XXXX XXXX XXXX has. For example, TransUnion has report that I have a total of 20 opened accounts while Equifax report that I have a total of 9 accounts.

I am requesting that TransUnion report accurately per FCRA law ( 15 U.S.C. 1681 ).
Product: Credit card

I am lodging this complaint against Synchrony Bank because Synchrony claims that the electronic payment method I provided for my Amazon Store Card is invalid. Synchrony states that your financial institution ( XXXX XXXX XXXX XXXX ) did not honor the payments that were presented due to account holder or beneficiary listed in the transaction is deceased. I contacted XXXX and they assured me that they have not only not refused to honor the payments, but that they have no reason to, and Synchrony has made no attempt to process such payments. I use this same XXXX account routinely to electronically pay my bills to many companies, XXXX. XXXX, with no problems or complaints. In the meantime, Synchrony has sent me dunning emails, charged interest and penalties to my account and has threatened to report the situation to XXXX and other credit reporting agencies. I filed a complaint ( CFPB Case XXXX ) with the Consumer Financial Protection Bureau XXXX XXXX responded with your financial institution ( XXXX XXXX XXXX XXXX ) did not honor the payments that were presented due to account holder or beneficiary listed in the transaction is deceased and the CFPB case was closed. My phone conversations with Synchrony have not been productive. 
I have an engineering degree from XXXX and an XXXX from XXXX XXXX  and have many years of experience with computer systems. It is clear to me that this entire issue is due to a fault in the Synchrony computerized system, but Synchrony has yet to realize that and have their systems engineers investigate. Instead, they are processing it through their customer service people who routinely deal with late payments and non-payments. Thus, the issue has not been resolved. 
At this point, I am submitting a second complaint to CFPB, and additional complaints to the XXXX XXXX XXXX the XXXX  Attorney Generals Office, and the XXXX  Department of Consumer Affairs.
Product: Credit reporting

All three reporting companies ( XXXX, Experian, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I wrote to XXXX XXXX  about a Fraudulent Charge of {$1700.00} on my XXXX/XXXX  XXXX concerning the letter they were going to credit my account in 10 business days. Unfortunately, Capital One/Walmart took over the account in the middle of this transaction and I called Capital One and Capital One rep said after holding about 50 minutes that due to the transition XXXX XXXX  needed an additional XXXX business days. I called Capital One back after the XXXX business days and they said it would be best if I talked to them directly and gave me the number. XXXX XXXX told me the transfer was complete to Capital One and no further servicing of the accounts was going to take place. I call Capital One back and again placed on hold for an extended time while he talked to managers and came back and said my credit would happen in XXXX business days. I waited and nothing happened so I called Capital One back and after almost an hour they were to deposit the money in my account on XX/XX/2019. Then I talked to a woman named XXXX that said she was not going to honor those statements, even though verbal agreements are valid in the State of North Carolina and she needed additional information. I gave her what I had and sent a complaint to the vice-President of XXXX XXXX  to release any documents Capital one needed. It appears as you talk to different people that feel it is ok to come up with different answers and solutions and the customer has to put up with this action that includes breaking the law.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent {$3000.00} through XXXX also I paid for the service, its been more than 1 week since this happened and we dont know where the money is at. The company says the bank has it but the bank said XXXX has it so basically we dont even know where the money is, I have been trying to get a refund from XXXX its been a nightmare this whole process. Also XXXX ask me for my SSI twice, which is unusual and suspicious because nobody should ask you for you SSI. XXXX XXXX ask me for information that the bank is asking for but we called to the bank and they said they are NOT asking for any information. So pretty much I dont know who has the money and I want a refund.
Product: Debt collection

Kings Credit Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2021 Re : XXXX XXXX XXXX XXXX Reference # : XXXX Amount Due : {$710.00} XXXX XXXX XXXX Debt Collector, XXXX I swear that I've never done any business with this agency, and I called them over ten times to dispute this false claims, and yet they have put a very negative mark on my credit report ; I
Product: Debt collection

I paid for a XXXX XXXX  with XXXX XXXX ( XXXX XXXX XXXX XXXX ) that covered any evictions and other fees up to {$3000.00} dollars. 
Once evicted from XXXX Apartment Homes ( XXXX XXXX XXXX XXXX ) in XXXX my final statement/cost owed was {$2800.00}. XXXX XXXX should have paid that to XXXX but now National Credit Systems is reporting to all credit bureaus that I still owe {$2800.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) which is untrue because my XXXX XXXX  covered upto {$3000.00}. 

Also, NCS stated in a letter after an my attorney disputed information in XXXX, that the original creditor is Sure Deposit and not XXXX XXXX XXXX XXXX  XXXX XXXX. - attached I have attached my final statement from XXXX and also XXXX XXXX information and the eviction dismissal with no fines owed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found a fraudulent account that hurts my ability to access credit. Please delete this fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. Immediate and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX.