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

My account with XXXX XXXX XXXX XXXX  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 in 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 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 reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, Resurgent Receivables, who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. 

I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If Resurgent Receivables is reporting a debt that I do not owe, they are violating this law.

The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If Resurgent Receivables is operating illegally by collecting debt without being registered, they are violating this law. 

I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.
Product: Mortgage

My Name is XXXX XXXX and Im putting a complaint in on Citizens Bank In reference to refinancing my home I applied for a refinance loan XXXX and have been back and forth with the loan officers XXXX XXXX , XXXX XXXX XXXX and on XX/XX/XXXX I finally got fed up and requested to speak with a supervisor which her name is XXXX XXXX . For months I have goin back and forth with XXXX XXXX once I wasnt able to talk with XXXX XXXX, She has done horribly with communicating with me and never comply with me unless weeks go pass and I would have to call her and see what are status was with closing. It has been a numerous of times she has made me think we were going to close and nothing When I say we meaning myself and my husband.Anytime she was off of work no one has called or contacted me or my husband shouldnt it be someone in place so every time she was off that hurt us badly because it would put us at the beginning of the loan we would have to submit paperwork over again bank statements, award letter from social security office, she would just pull my husbands statements because he is a citizens customer my statements. We have had 3 appraisal which she stated to me that they were outdated which who would be at fault for that not me because we are waiting on her to contact us back never a response only sometimes. I have emails of the months and times of some of our communication. This is so unfair to us as customers and when I called her today both XXXX and XXXX no response XXXX responded to my email but when I called her to tell her I didnt understand and what Im I to do she never contacted me. I feel discriminated against and I have felt this way for a while is this the way customers are treated I really dont understand. Two appraisal came in at XXXX dollars and now XX/XX/XXXX which is the third appraisal they have us XXXX XXXX did not do her job as a loan officer Things are suppose to be explained so the customer understands everything we have been hanging on a string the whole time. She pulled my bank statements back in XXXX without my permission at XXXX XXXX  not sure if the bank submitted them to her or not because that illegal I want answers and we spent funds and supposedly the work that was done that was requested by the underwriter were approved that we completed them and I thought that means we move on to the next thing no we kept being pushed back to the beginning of the loan. We never move forward and when we thought we were closing It never happened We are out of funds that we saved up held on to closing money and rearranged our lives for this refinance. This was the worse refinance and frustrating cause felt like we have been in it alone, Hopefully someone can help us and make us want to continue as customers here. Thankyou for your time.
Product: Bank account or service

We have our mortgage and checking account with Chase. On XXXX XXXX, 2016, we mailed a mortgage payment to Chase bank, along with a Chase provided payment coupon with our mortgage information pre-printed on it. On Friday, XXXX XXXX, we realized that the check had not cleared. We called Chase to make a mortgage payment over the phone so that our mortgage payment would not be late, and to put a stop payment on the original check. We did not feel that we should have to pay the stop payment fee since Chase had not cashed our check in a timely fashion. After initially making the excuse that the US Postal service could have lost our check, the customer service rep agreed to waive the stop payment fee. After verifying twice that the transaction was complete, we ended the call. On Sunday, XXXX XXXX, we realized that we only had {$49.00} in our bank account. Both the check that we mailed and the phone payment had gone through. We called the bank. After approximately 45 minutes on the phone, we managed to kind of straighten out the situation. We were told that it could take up to 12 hours for our money to credit back to our account. We had to further argue that since we had planned to do our weekly grocery shopping that day ( Sunday ) and fill pharmacy prescriptions, that we did not want to be responsible for any overdraft fees. We were also told during the conversation on XX/XX/XXXX that the stop payment fee had been waived on XX/XX/XXXX, but the bank never actually stopped payment on the check, which makes no sense but does prove that Chase was negligent in it 's fiduciary duty, since our money was not available to us. It is apparent that the bank both had our check and failed to cash it in a timely manner. We acted responsibly to make sure our mortgage was paid on time, only to have our bank account nearly drained, and then had to fight to not pay any fees when Chase was clearly at fault. This scenario was n't just inconvenient, but just another example of Chase bank 's bullying and extortion of the American people. We were previously dual tracked when attempting to modify our loan with Chase and were only able to keep our home because we filed for personal bankruptcy, which was both demoralizing and embarrassing. We continue to be victimized and pushed around.
Product: Debt collection

I received a letter from National Credit Systems Inc. on XX/XX/2022, that I owed to XXXX XXXX in XXXX XXXX, SC. XXXX amount {$10000.00}. 
They have authorization from them to pay 50 % of the above amount ( {$5000.00} ) to close the case. 
Unfortunately, I received the said letter after I paid to them {$7000.00} to National Credit System Inc. according to collection representative asked me for pay to close the case. 
So I called the XXXX XXXX XXXXXXXX and signed a fraud report on them. 
But National Credit Systems IncXXXX has been processed the {$10000.00} on my Credit score report so, it's effective my credit score for 03 months. 
I kindly, ask you to remove the said amount {$10000.00} from my XXXXredit score and repair my credit score for buy a new home. 

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

My credit card account was recently purchased by Capitol One from XXXX XXXX XXXX. I was not given notice by either company of this transaction therefore ; my auto debit for monthly payments to XXXX ceased and no payments were being made to Capitol one. I did not know these payments were needing to be made because I did not recieve notification from Capitol One or XXXX XXXX XXXX that my account was sold. I had no way of knowing that i needed to make Payments to Capitol One. Furthermore once i was notified late XXXX that I had late payments by XXXX XXXX I immediatly made all past due payments and set up auto draft with Capitol One in order to maintain good status with them. My credit score has now been damaged and impacted with a 30 day + late payment and Capitol One will not remove the 30 day late report to the credit bureau. I am currently in process of buying a house and I need this removed immediatly. I have been in good standings with all creditors for 4 years and not missed or been late to any creditors however this is causing my credit to be blemished. I feel this is in no manner my fault and would like it to be removed from my credit report as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans Improper Practices On or about XX/XX/2019 I had put my name in XXXX XXXX. The banks that called me said they do income verification via bank statements and tax returns. I received a call from Quicken Loans and a man said sir we are the largest bank in the US. He then passed me to a loan person named XXXX XXXX. She said she had to run my credit but I told her I really didnt want that. When I said I was income verified thru a bank statements she said yes we can do that but I have to run your credit. I then consented based on her representation. The next thing I know is she pulls my credit and the changes her story to we do not do those loans but for her to get my SS # she lured me in by consenting that quicken did. I then said based on you duping me which is a form of fraud, that I demand you delete the hard credit run. She then passed me to XXXX XXXX of Qucken who then said he cant do that. I have experience already that when something happens or you were wronged a bank has access to be able to notify and delete. Quicken simply did not want to remedy their poor practice of deception to lure the SS # from the new customer and fraudulently obtain my SS for hard run. To make matters worse, after I told them I would file a complaint if they didnt make this right they called me countless times saying this is recorded asking me for new loans from different names and different caller ID. Even using local area codes to avoid spam blocks. 
I then have asked all the higher ups for the copies of the recordings and they say I cant have them because they are Quickens property. 
This is an absolute disgrace to the consumer and I hope this doesnt happen to any Americans. Quicken is brazen in that they actually bring you to file the complaint and have not the care in the world since they are, as they say the largest bank in the US,  sir
Product: Credit card or prepaid card

The last payment made in full was made to target and due to a problem with our bank and Target receiving the payment although it was on time their processing center was closed. When they did open up the payment was then considered late by Target. 

On three occasions I negotiated a settlement only to be later denied. 

The last time was when they told me to get a letter from my bank explaining the situation they would remove the late charge only to be denied once they received the letter. 

Please review Targets tapes they have on all our conversations back and forth. 

How do they continue to assess late charges and interest on a closed account. Is this not illegal? 
Although this is my account my husband was added. This account was issued in my name and based on my credit was issued. It should be not be allowed to be reported on my Husbands name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX  XXXX  - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit it shows I work at XXXX which I don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian in XXXX and I did not receive any notice of results or investigation. So I sent another dispute letter in XXXX and after more than 45 days Experian sent me an email stating they will not be taken any action with the letters I sent. So now I am filing a complaint because it has been more than 45 days since I sent the 1st dispute letter with no response. I let Experian know and sent another letter with a message stating that they will not be processing my dispute.
Product: Mortgage

Lakeview, subservicer of XXXX XXXX is not removing PMI in accordance with HPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB ' s requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY public records to the credit bureau. So this makes 2 letters back with 2 different storie s about how they allegedly verified this information of which both are inaccurate. On  XXXX   XXXX , I called the  XXXX  credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This  is MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done  the job right the first time I would n't have had to request this   a 3rd ti me. I will also be sending copies of this to the BBB and the Attorney General for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know where to begin. On my credit report there are 3 collection account. Two of the three I have paid off, even though they did not belong to me, and the third one I am disputing because it is the banks error. Since two have been paid by me why should the collections still be on my credit report?? WHY does the company still get to harm me if they have been paid?? I am SO DISGUSTED with the credit reporting system. Then the one I am disputing should not be on my credit report until the company reporting the collection and myself have come to an agreement on the account. WHY am I being punished for something that has not been resolved?? I have ALWAYS paid my bills on time or before they are due.I had a home mortgage and then paid the loan off after 8 months, but the credit reporting agencies took points away from my score. This make no sense at all. The companies that put the accounts in collection that I have paid got their money. WHY do they get to do me harm for the next 5 or 7 years or however long they stay on a report. It is hurting me financially. I am trying to buy a new car, but I can't because the interest rate is too high due to the collections. Also, when I have gone to look at cars the dealerships have been trying to get me approved with multiple lenders. Now I can't get a good interest rate or I have been completely denied a car loan because of the collections and they say I have too many inquiries on my report. The car dealerships are so desperate to sell a car that they put my info through multiple lenders. This is also not right. I have low credit usage, pay ALL my bills on time and my credit cards are paid in full every month. None of this is acceptable to me. I am sick and tired of hearing things like " oh well your fico score to purchase a car is different then a regular fico score ''. WHY is this allowed?? Do you realize how harmful this is to not only me, but I am sure hundreds of thousands of consumers. I paid off a car loan a year ago and my score dropped. I paid off a personal loan and my score dropped. I paid off my house and my score dropped!! How is any of this acceptable?? I should be able to go buy a brand new with little to no down payment and an interest rate of XXXX or XXXX not XXXX based on my payment history, my low credit utilization and my stability at my job and my home. But instead, I am driving in a car that I question every day " am I going to make it to work today or am I going to breakdown?? ". I am so UPSET. iT IS UNBELIEVABLE HOW SHADY EVERYONE IS.
Product: Credit reporting or other personal consumer reports

I have had problems with Bank of America employing shady practices. I know they re-aged my credit card from XXXX which then listed it as *LAST ACTIVITY XX/XX/XXXX *CLOSED DATE XX/XX/XXXX and i know those expiration dates were coming up, so i paid the open balance amount in the beginning of XXXX, and waited for the Collections accounts to be removed in XX/XX/XXXX ( 7 years later from last activity ) then XX/XX/XXXX ( 7 years later from account closure ). Well now its almost XXXX and i have submitted disputed through multiple credit agencies, but they won't remove the account. My last step is to mail forms to BoA directly in hopes I catch someone who will remove the expired accounts, but I have better odds of hitting the lottery. Someone with authority needs to call them out on their shady business practices. I never thought I would have so much trouble getting a paid, expired collection removed from my reports. PLEASE HELP ME!! 

Side Note- I used to have a lot of respect for XXXX XXXX  XXXX XXXX saw them a a prestigius banking institution. What a simple fool I was. You live and you learn. Please help me fix what BoA refuses to do, but is the LAW. 

P.S.- All 3 credit reporting agencies are listing the same month and year for account closure, XX/XX/XXXX.