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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Student loan

I only did online classes XXXX semester in XXXX. I had to move to XXXX nm where i had no access to internet. The school said no problem they would cancel enrollment and not accept further financial obligation from me. They then sold the account to navient. They never cancelled the loan money after advising me they would and then navient took over. I became XXXX in XXXX and teied to get navient to forgive the loan and they wont Permanent XXXX forgives the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX Cardholder Services last year confirming I spoke with an actual agent informing me that my account is beyond 7 years old and beyond the Statute of Limitations to collect. This was back in XX/XX/XXXX for an amount of {$230.00} that originated before XXXX! XXXX XXXX  keeps continuing to leave this on my report and previously tried to email me to renew this account that was closed. The credit bureaus have not removed it despite me disputing the age of this account! I asked them to remove it early, when the truth is this account should have been removed a long time ago and they keep renewing and changing their dates!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of a fraudulent inquiry listed on my credit report. I have no knowledge of this inquiry, nor did I authorize or initiate it in any way. It has come to my attention that an unauthorized and clearly fraudulent inquiry has been made under my name, and I am taking immediate steps to resolve this matter. 

The presence of this inquiry is a direct violation of my rights, and it poses a serious threat to my creditworthiness and financial well-being. I take my personal and financial security very seriously, and this unauthorized inquiry is a direct result of identity theft or a clerical error, neither of which should affect my credit history.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I received an email to receive a lower interest rate on purchases outside of Best Buy, offer ending XX/XX/XXXX. Then again in XXXX another email with same offer ending XX/XX/XXXX. 
I made a large purchase XXXX, XXXX. The following month my purchase received the regular interest charges previously agreed upon. 
I expected the above purchase to receive the promotional interest. When I called the company, I spent four hours on the phone, I was disconnected several times, I was told by Best Buy I needed to take my case to the card issuer ( Citi ). Citi followed the same protocol of disconnection and ultimately said they could not help and that Best Buy needed to correct my interest rate. 
I later spoke with a supervisor who stated the promotion ended XX/XX/XXXX and although, my purchase was in XXXX I would be subject to the higher interest rate. 
I questioned why they would send promotional email if the interest ended in less than 30 days. She could not respond and stated my account is subject to regular charges
Product: Debt collection

I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

WELLS FARGO CARD SER XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO CARD SER customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.
Product: Student loan

MOHELA notified me this summer that due to a court injunction on the new SAVE repayment plan that my loan was under, my loan would be placed in a zero interest forbearance until the issue can be resolved. It has not yet been resolved, but I received a notice yesterday " reminding '' me that interest can still accrue during forbearance. Looking at my account I now see interest accrued, despite still showing a 0 % interest rate, and no other notification other than this " reminder '' that just came yesterday.
Product: Debt collection

I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  XXXX  placed a charge off on my XXXX, Equifax, and my XXXX XXXX consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately. I am filing this complaint against Equifax, XXXX XXXX, and XXXX for failing to properly investigate errors on my consumer credit report. Despite my attempts to resolve these issues directly with XXXX, XXXX XXXX, and Equifax they have not provided adequate responses or resolved the inaccuracies. Below are the details of my complaint : I have disputed late payments and a charge-off reported by XXXX XXXX on my credit report. I believe these items are inaccurate and requested that XXXX, Equifax, and XXXX XXXX conduct a proper investigation. However, they have failed to provide any documentary evidence of their investigation or verification process. According to the FCRA all creditors must provide an opt out notice to all consumers giving them the opportunity to opt out before furnishing any information to the credit bureaus.
Product: Payday loan, title loan, or personal loan

According to Indiana Small loan laws, Payday loan providers are required to offer an extended payment plan on the third, 4th, or 5th consecutive loan. It is even stated in the contract. I am on my 3rd consecutive loan and asked for an EPP. I was told I was not eligible until my 4th consecutive loan. I tried speaking with a manager and was told to file a complaint because there was nothing they could do.
Product: Bank account or service

My transaction " post '' dates were manipulated to trigger an overdraft to my checking account, which in turn triggered an overdraft fee.
Product: Credit card

Recently, the business sent me a promotional mailing for a credit preapproval for the " Bread XXXX '' XXXX XXXX XXXX. Additionally, the promotional material claims that if I make total purchases of {$1000.00} within 90 days that I would qualify for {$200.00} in cash back rewards. As of the most recent statement, I have met this qualification with a statement balance of : {$1100.00}. Several days ago, I sent a message through the secure messaging portal on my online account, asking when I would be credited with the promotional offer. As expected, no response was received. Why?
Product: Checking or savings account

My father passed away XX/XX/2022. He banked with BofA. All paperwork was submitted to move his money into an established trust account as it was the POD on his account. It has been weeks. There are now medical bills due. Is BofA responsible for late fees? In my book yes. His account is showing XXXX balance. What are they doing with his money? Day trading? Makes one wonder. And there are hundreds of horror stories online. This is their XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C. 
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 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 that 7 years. 
15 U.S.C. 16815-2 ( 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 the information is accurate. I have no contract agreement with any of these companies I requested proof that I have a contract with the companies no one has provided proof yet
Product: Debt collection

On XX/XX/2018, the debt collection company known as Portfolio Recovery Associates based out of XXXX XXXX, Nevada spoke with a relative of mine on the telephone about a debt under my name that had been sold to their company for recovery. This relative brought this information up to me this morning, and even quoted the dollar amount owed, and told me the agent asked how she would like to pay today, as if she were me. I have not given anyone authorization to speak with anyone or on behalf of me about any debts under my name. I myself have never spoken to this company about any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Disputed with Direct Management, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX and XXXX have investigated and removed collections
Product: Credit reporting or other personal consumer reports

I am writing to address several violations of my rights and privacy by various organizations. 

XXXX XXXXXXXX XXXX  XXXX XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the XXXX XXXX XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX : XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX  card account, opened on XX/XX/XXXX, is reporting a charge-XXXX. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX XXXX is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. XXXX and XXXX 's failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.
Product: Money transfer, virtual currency, or money service

There was a P2P Transfer out of my account I have with chime bank, my cell phone I had connected to the account had been lost and not in my possession, I had to changed my information to gain access on a separate device and upon doing so I noticed the transfers from my account. during a time in which I wasn't even available to make said transfers and had documentation stating I hadn't been available to make the transactions from my account and further that my phone had been lost entirely and not accessible to myself and I in no way authorized the transfers nor do I know the person that the funds were transferred to. About less than 8 hrs after I submitted the claim it was denied stating they completed the investigation process and found no issues. I hadn't even had time to upload documents accordingly or anything else before they closed the claim. Not only that they make it so its not nearly impossible to process claims entirely anymore, can only call, instead of submitting in writing or online so the claims are properly and completely able to to submitted entirely without error or left out important details missing information. So I call to make rebuttal and ask the claims be reopened and processed accordingly, and also requested that they send the information used in the investigation to conclude the denial of claims. They sent back only the intake form from my initial claim request submitted by phone as they took away any other claim processing options even the option to submit claims in writing, and the intake form is missing a whole lot of the information I gave to clerk, also the claim did not include the other transaction I stated were not authorized on my account as well and any details pertaining to transactions. I've received no further information regarding my claims or anything else. Basically out {$4700.00} in p2p transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint is about my XXXX XXXX XXXX Credit Card and Experian. I applied to XXXX XXXX on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I order my credit report on XX/XX/XXXX and i noticed they have removed 3 unauthorized inquiries on my XXXX but have yet to remove the other 3 unauthorized inquiries on Experian credit reports. 
Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was checking my XXXX credit report and suddenly saw a hard inquiry for a credit card I did not recognize. I am attaching the screenshot in my report. 

It is from XXXXXXXX XXXX 

I immediately froze my credit reports with all XXXX bureaus. I tried emailing with an address I found online, but my email is bounced back. 

I called the number listed on the credit report. The Customer service option said - 'if you see a pull on your credit report press XXXX '. I did and I was put on hold for XXXX mins before I gave up. I can not find any other phone number online, they made it incredibly hard for me to reach out to them. I am angry, upset and frustrated. I am rebuilding my credit after incredibly rough time in my life and I felt a pit in my stomach when my score went down again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX My name is XXXX XXXX XXXX I need my security freeze/Block removed from my credit report ASAP!
Product: Mortgage

My mother XXXX XXXX, died on XX/XX/year>. I am the executor of her will. Her estranged husband had co-signed for a HELOC loan on my mother 's home ( He did not have any ownership rights to the home ). After my Mother 's death the estranged husband, XXXX XXXX, took additional monies from the loan, maxing it out. I requested copies of all transactions on the loan after my mother 's death and Eastern Bank refused to provide this information claiming that he is now the debtor on the loan since my mother 's death and I no longer have access to the information, even as the Personal Representative. The issue is that I am selling the home and will have to pay this HELOC and I need this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court XXXX XXXX and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in XXXX XXXX instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report and i realize that i have those collections from ( SIMON 'S AGENCY INC. amount of {$1200.00}. XXXX XXXX XXXX. amount of {$210.00}. XXXX XXXX XXXX, amount of {$25000.00} i don't recognize those accounts. i disputed this accounts twice and i requesting the removal of this account that is not belong to me.