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

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX, XXXX 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!
Product: Credit reporting or other personal consumer reports

Its a XXXX XXXX XXXX on my credit report and Experian is the only bureau that has the information wrong. I have disputed it over four times and they still have it on my report when it was dismissed by the court.
Product: Payday loan, title loan, or personal loan

I was purchasing solar for my house and the solar company filed bankruptcy without finishing the install or re-assigning the contract to another company.Goodleap is the company that is saying they paid the solar company and now I need to pay them. They claim I have no contract with the solar company, but I have a contract with them for XXXX. They have not shown proof of payment to the solar company, nor sent me anything but threatening emails and phone calls. As of XXXX I had paid Goodleap XXXX plus dollars over what the paperwork I have states, yet they have stated on every credit report that I have not paid. They are calling me every 2 hours from XXXX to XXXX XXXX, after I asked them not to call. I have filed complaints with the XXXX, XXXX XXXX XXXX XXXX, and The Attorney General. I am still waiting on resolution suggestions from them. I was issued a notice from XXXX XXXXXXXX XXXX for an order to fix the damage to my roof and to complete the installation of the solar. I have yet to be contacted regarding that. I have sent emails and verbally told them to stop calling me, but they refuse. I want the harassment to stop immediately
Product: Checking or savings account

1. The bank did not tell why they are claiming in their response that I said and I quote : '' ... funds missing ''. The bank is avoiding the issue.

2. The company did not say why they mailed me an ATM card with purchase when I told them I only wanted an ATM card for deposit and withdrawal. The bank should have issued me the card that I wanted. I could have made other arrangements if this is not possible. The bank is avoiding the issue.

3. I want to know why I was given two ( 2 ) small pieces of paper when I opened the accounts. The bank did not respond to this. The bank is avoiding the issue.

4. Customers are entitled to transaction receipts. The bank did not give my transaction receipt when I asked for one. The bank should issue transaction receipts. Government authorities should know about this and take action. 
5. The DMV should be informed that the teller swiped my driver 's license at Union Bank to avoid this kind of activity that opens customers to threats of identity theft. Union Bank should inform DMV and the customer. 
6. The Federal Trade Commission and Department of Motor Vehicle and other government agencies should be informed of these complaints so steps could be taken to protect consumers from identity theft. 
7. The Consumer Protection Bureau should have informed consumers of what steps are being taken and what government agencies were informed to resolve the issues to fulfill their role as protectors of customers. 
8. The Consumer Protection Bureau, Federal Trade Commission, DMV, and government agencies should review the videos of the transactions I made at Union Bank. These videos could provide answers to my questions/complaints.

9. I gave one phone number to Union Bank. I am wondering why I was contacted at a phone that I did not provide. How did the bank obtained the number? 
10. I filed the complaints because I want the protection afforded by the Consumer Protection Bureau, the Department of Motor Vehicle, Federal Trade Commission and other government agencies. These agencies should respond to the complaints. I am wondering why the cases are closed when the issues are not yet resolved. The consumers are not being protected when cases are closed without the issues being resolved.
Product: Credit card or prepaid card

capial one unlawfully closed my a/c # XXXX = w/o legal justification, and w/o due process of law = my a/c was paid in full & i was in full compliance with my a/c terms = they XXXX discriminated against me, because i am a XXXX american & a supporter of president trump
Product: Debt collection

Subject : Formal Complaint Against XXXX XXXX for Violations of Federal Debt Collection Laws To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX for multiple violations of federal consumer protection laws. Despite my numerous attempts to resolve the issues directly with XXXX XXXX, I have been met with noncompliance, lack of transparency, and repeated disregard for my rights as a consumer. Below, I detail the issues and specific violations of the law : Failure to Notify of Negative Credit Reporting XXXX XXXX reported a negative entry on my credit report without providing me prior notice as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 7 ). This law mandates that a creditor must notify a consumer within 30 days before furnishing negative information to a credit reporting agency. I was blindsided by this report and was never given an opportunity to dispute or address the alleged debt. 

Failure to Notify of the Debt and Denial of Opportunity to Dispute XXXX XXXX never notified me of this alleged debt or provided me with the opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This omission violates my rights to receive proper notification and dispute the validity of the debt within 30 days of such notice.

Refusal to Provide Debt Verification I have repeatedly requested verification of the debt under the FDCPA, 15 U.S.C. 1692g ( b ). Specifically, I asked XXXX XXXX to provide the purchase agreement or original account details to substantiate the validity of the debt and confirm that it is indeed mine. XXXX XXXX has failed to comply with this request and has instead stated that the debt has been sold to another company. This refusal to verify the debt violates my right to obtain validation and raises concerns about their record-keeping practices. 

Failure to Provide Adequate Notice of Sale or Transfer XXXX XXXX indication that the debt has been sold to another company was given without proper notice or details about the new creditor. This violates my rights under the FDCPA, 15 U.S.C. 1692e ( 10 ), which prohibits deceptive practices, and the Truth in Lending Act ( TILA ), 15 U.S.C. 1641 ( g ), which requires creditors to notify consumers of the transfer of their debt within 30 days. 

Hindering My Ability to Resolve or Dispute the Debt XXXX XXXX actions have prevented me from resolving this issue in good faith. By failing to provide necessary documentation and notices, they have obstructed my ability to verify the debt or dispute its validity. This is a clear violation of consumer protection principles enshrined in both the FDCPA and FCRA. 

Steps Taken to Resolve the Issue : I requested validation of the debt from XXXX XXXX, but they failed to provide the necessary documentation. 

I asked for a copy of the purchase agreement to determine if the debt truly belongs to me, and this request was ignored. 

I attempted to address the reporting discrepancies on my credit report, but XXXX XXXX has been uncooperative in correcting or clarifying the information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my XXXX credit report and saw that there was an inquiry from XXXXXXXX XXXX XXXXhat was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact XXXXXXXX XXXX  attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet one out of the five sheet contract from XXXX XXXX. I requested for XXXXXXXX XXXX XXXXo provide documentation in regards to charge off account and the complete contract with XXXX XXXX XXXX XXXX  attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and TransUnion ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by XXXX XXXX for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX complies with all applicable consumer protection laws. Thank you for your time and attention to this important matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, CA XXXX Dispute of Unauthorized Hard Inquiries and Identity Theft Dear TransUnion This letter formally disputes seven hard inquiries on my TransUnion credit report that I did not authorize. Here is a list of all seven inquiries and dates [ 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 XX/XX/XXXX ] this list of credit card applications, loan applications, etc., or describe the inconsistencies ; I have not applied for any credit or loans with these dates. I believe these inquiries are fraudulent and constitute identity theft. 

I have attached copy identity theft report ]. These documents demonstrate a lack of authorization on my part for these inquiries. 


Sincerely, XXXX XXXX
Product: Debt collection

I am not liable and should not be held liable in any form for this debt with XXXX. I do not have a contract with JEFFERSON CAPITAL SYSTEM. They did not provide me with the original contract as I have requested from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Mortgage

We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015. 
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syndicated office keeps reporting accounts on my for medical bills im unaware of, I sent synicadated office systems a letter asking them to let me validate the debt because I 'm unaware of any outstanding medical bills, these show form XX/XX/XXXXand I was never notified of this debt, by law they have to provide me with information on this debt and give me time to respond and neither was done. CFBP fined syndicated office for these same things and it 's now being done to me XX/XX/XXXXthey were also violated for doing as follows As part of its debt collection business, Syndicated Office Systems regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions.
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Syndicated Office Systems typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that Syndicated Office Systems failed to send debt validation notices to thousands of consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Dispute : Late Payments Fair Credit Billing Act : XXXX XXXX XXXX  : I got those late payments because XXXX XXXX XXXX didn't follow the Fair Credit Billing Act. I never received any billing statements 21 days before my grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, XXXX XXXX, and equifax. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Product: Debt collection

Wrongful amount owed Settlement was offered and paid. 
Still contacting me saying I didn't pay I don't owe no {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC 1692 A3 XXXX, Equifax, and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} XXXX violation.
Product: Credit reporting, credit repair services, 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 nameXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATIO XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 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 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

In XXXX of XXXX, I was in contact with DMB financial for debt settlement. I had 2 credit cards that I needed help with. XXXX and XXXX XXXX. I was told that both accounts would reach an agreement in 3-6 months and be settled and paid within 1 year. It is now XXXX of XXXX. Only one account has reach a settlement ( 7 months later ) and I have been paying {$700.00} per month into their escrow account. They then took {$4800.00} of my saved money to pay themselves. This one account will not be fully paid now until XX/XX/XXXX. My other account is not going to be addressed at all. The company is not responding to my inquiries about when they will handle my other account. And they lied about the time frame and cost of EVERYTHING. But they also say Im bound to a contract to keep paying them and not work directly with my credit card company.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. Late 30 days in XXXX XXXX 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. '' XXXXXXXX XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " Late 30 days in XX/XX/XXXX Late 30 days in XX/XX/XXXXXXXX XXXX