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

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 reaso

nable 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. 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: Money transfer, virtual currency, or money service

My business partners email account was being hacked on XX/XX/XXXX, she sent me email from her corporate email saying they switched to another bank account in truist bank with same bank account name and address. so I made the remit to the new account. 
The Truist bank received my payment from XXXX XXXX XXXX XXXX XXXX XXXX and can not return it me, but they did tell me that bank account name is not XXXX XXXX as what I input in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an item on my credit report through experian since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, XXXX XXXX XXXX that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX  XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.
Product: Debt collection

Midland Credit Management a debt buying agency did something that can be called " Predatory Debt Buying. '' Because I am elderly, they purchased a debt years ago. Instead of following the guidelines set under the Fair Debt Collections Practices Act, Midland Credit Management held onto the alleged debt for years while they stalked my private information without my permission, for the sole purpose of purchasing more debts to use against me. Once they felt they had gathered enough debt to bypass Magistrate Court, they sent an Officer from the Sheriff 's Department to my home and had him serve me papers that looked like an Official Court Summons which is illegal to create documents that look like they came from the Court. The letter had a court docket number on the side as well. The amount they claimed in the documents that is owed to them is {$7900.00} based upon 6 accounts they claim to have purchased belonging to me. They are currently threatening that if the issue isn't resolved they're going to file a motion to have a Judge find in their favor and have that Judge order me to give them {$7900.00} without showing any Bill of Sale with my name or account number on the Bill of Sale. This applies to all 6 of their claims.
Product: Student loan

I am paying my student loans off, but other creditors are claiming that I have loans for them that do not belong to me. I spoke with the lenders and can not get a sufficient resolution to this problem.
Product: Checking or savings account

On multiple occasions for multiple years, Wells Fargo would take the highest payment out first causing hundreds and sometimes thousands of dollars in overdraft fees and causing everything to bounce back. Had they taken the smallest payments first, like theyre supposed to, I would have only had a few fees or even as little as just one fee. This caused a chain reaction on multiple occasions leading up to problems with lenders and my credit being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; 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: Money transfer, virtual currency, or money service

Today ( XXXX ), around XXXX or XXXX XXXX., I received a call from XXXX XXXX XXXX XXXX ( number stored in my phone as XXXX ) on my personal cell phone while I was at work advising me that my gas was scheduled for disconnect within the hour because I had not responded to several calls from them about my autopay cancelling or not working. I thought the amount they said I owed was based on the Texas Winter Storm gas leaks and I paid 2 payments ( XXXX & XXXX ) using XXXX from my Chase personal account because I didn't want the gas turned off for my tenants ( 3 different apartments ). The caller who said she was XXXX XXXX provided information about my accounts that only the gas company would know but when I called the gas company they said all my accounts were current and that it had to be a scam call and that these scammers know how to call people using the XXXX XXXX caller i.d . but XXXX XXXX couldn't tell me how they knew my account information, specifically for my rental property so I think the scammers are getting help from someone working for the gas company ( inside job ). The information for the XXXX account payee is : XXXX XXXX Registered as XXXX. I know it was stupid of me NOT to call the Gas company immediately to confirm the XXXX information but I thought I was talking to the gas company and they caught me waiting on an important meeting to start which is why I called XXXX immediately after my meeting only to learn it was a scam call. I also called the XXXX number XXXX and a man answered but I hung up. I also called the number XXXX XXXX gave me ( XXXX ) but no answer ; voicemail said the text mail subscriber you are trying to reach is not available and please leave a message but I hung up. XXXX XXXX advised that she will call me tomorrow to discuss my gas account but I seriously doubt since they now have my money through fraudulent means. I called Chase Bank to see if they could cancel the two XXXX payments totaling {$990.00} but they advised that once the payment was delivered that I had to call the merchant and have them reverse or refund the money. However, as previously stated the merchant on the XXXX payment shown as XXXX XXXX was a scammer - not XXXX XXXX ( Gas company ) even though the call came from their number. I would like your help recovering my money if possible and also to STOP this scam so that they can not do this to anyone else. Any assistance or help that you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Florida statute of limitations ( FDCPA - F.S. 95.11. ) the contract date of this account is way past the 5 year limit for valid reporting according to said regulation. Account should not be on my credit report, in fact JPMCB AUTO FINANCE continues to change the date on this account by reporting an erroneous payment date in order to make it appear younger than what it is, and this they continue to do despite my numerous requests to rectify the problem. Theyre claiming some credit that they issued to my account on XX/XX/XXXX. My last payment was made more than 5 years ago. In fact this account is over XXXX XXXX XXXX and the term was 42 months and since they claim I owed them the last three months of the term in reality my last payment would been 39 months after the start of the loan which was XX/XX/XXXX, or over 9 years and three months. What JP Morgan is doing to me is showing blatant disregard for the rights afforded me by the Florida Statutes, namely FDCPA - F.S. 95.11.
Product: Mortgage

I submitted a loan modification package to the lender for review. I was advised twice in XX/XX/XXXX that the loan package was complete and there were no more necessary documents.

I then received a letter changing the rep on my case, and the next letter I received was a letter advising they had not received a package since XX/XX/XXXX, and that no package is in review. 


I went to court last week and the attorney advised that there was no loan modification in review. I called my lender after the hearing and they advised they have a complete package and its with underwriting. 

There has been a complete mishandling of my loan modification.
Product: Checking or savings account

My husband passed away XX/XX/XXXX. In going through his papers, I discovered a Certificate of Deposit that he had purchased on XX/XX/XXXX, ( attached ). I am his executor and beneficiary ( part of will attached ). The CD was issues by XXXX XXXX and XXXX XXXX of Maryland, XXXX, MD. I mailed a packet of information to an address I found on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was unable to deliver and returned the the packet to me. I telephoned banks with similar names, but none acquired this particular bank. I heard a presentation by XXXX XXXX, Consumer Protection Advocate for the District of Columbia Department of Insurance, Securities, and Banking, XXXX. His office discovered that the above bank was ultimately in the hands of Truist Bank and suggested that I contact XXXX XXXX, Truist Bank, XXXX XXXX XXXX, XXXX XXXX The Maryland State Unclaimed Property, XXXX -- XXXX and The District of Columbia Unclaimed Property Unit, XXXX. I contacted al three on XX/XX/XXXX. XXXX XXXX told me that there was no CD under my husband 's name and that they " no longer hold that relationship. '' Any unclaimed proerty would have been sent to MD or DC Unclaimed Property Units. The DC unit emailed me a letter ( attached ) stating that my husband had no unclaimed funds. The Maryland unit tols me the same thing.
Product: Bank account or service

My wife and I were a victim of check fraud at US Bank. There have been so many things wrong with this situation that I have chosen to reach out for help and to hopefully help others while making sure certain people and US Bank is held liable. First off, we are from XXXX. Someone else 's check was stolen in XXXX on the WA XXXX border. The thief cashed the stolen check in our ( my wife 's name ) at a US Bank in XXXX on XXXX XXXX border. As soon as we were notified ( not by US Bank but by looking at our account ) we immediately turned it in the the fraud department. All our accounts were froze for the investigation to begin. We immediately opened another checking account through US Bank as life goes on and we needed money. US Bank opened another account for us and did NOT put any flags, notices, restrictions or notes about being recent fraud victims and our account was hacked AGAIN within one week of opening our new account in XXXX about XXXX miles from where the first fraud happened. BOTH instances the thief walked into the branch posing as my wife with NO acct # and NO second form of ID ( debt card etc.. ). They were able to withdrawal the money both times. After that happened we again closed our account. We filed another fraud claim. 2 weeks into the first claim the fraud department did NOT even have our claim. We have been trying to work non-stop with our local branch and over the phone with the US Bank customer service as well as with the fraud department. We have been given XXXX provisional credit even with proof from US Bank surveillance. On top of that our local branch has treated us VERY badly. We have been told that it is not that big of a deal, it will get dealt with at some point and to stop calling multiple times a day trying to speak to a representative that went out of their way to ignore us.
Product: Debt collection

- XXXX never cancelled my last phone line when I requested. - They charged me months later when I didn't know the line was still active. - No one notified me of any line being active, or a bill being accrued. - The phone was never used during that time they billed me for. - I told them I was leaving XXXX and cancelling my service. - I ported out 2 of my 3 lines, and I said I needed to pay off the 3rd phone because I was selling it. Since we are leaving XXXX, we are requesting it to be unlocked. - They kept the third line on without my knowledge and did not cancel it after I told them we were moving on to a different carrier. I also told them how I was selling the phone, paying off the balance, and no data was used. - As there was no service being used during the time they claimed I owe, there should not be any charge. They are trying to charge for a service that was never used. - I called back 20+ times. - One representative said they would call me back, but never did. - Another representative said I was justified and from the notes, she could see that XXXX was in the wrong. I shouldn't owe anything, she agreed to work on it for us but I could not reach her again. - They were going to call me back with the findings of the recording I had on my cancellation date, but no one ever did. - I requested the recording, and they said they could not send me one, so I have to rely on their word. - I never received a bill during this time via email or regular mail, notifying me about any debt. - One day, amidst the issue, I received a random text about my XXXX account referencing log into the app. I tried to view my account but failed because my service was 'cancelled '. - If I were still a customer, as they claimed, then why was I unable to access my XXXX account? It's because the line was cancelled. - The previous year, we had a greater headache trying to resolve a promotion that was never applied to our account. Despite numerous calls and visits to the XXXXXXXX store, the issue remained unresolved. This cumbersome experience led to us cancelling our contract with them, and even then, there were issues. - The phone service quality and usage of the plan were very good, but there were serious problems with logistics, customer service, and follow-through. - Overall, there were probably other issues to mention, but the main one is that they have now sent this incorrect bill to collections, unjustifiably. The bill should have never been issued due to their mistake about closing out all lines on the account. Even if they want to claim I did something incorrect, the facts show that I was not using the line, had sold the phone, and used no data. They should have corrected their mistake by cancelling the last bill. I would have felt more inclined to pay if I had used the service. But we sold the phone immediately after paying it off, unlocked it, and did not keep it after we cancelled with XXXX. Be aware of the many headaches if you ever have a problem, even if the phone service is good. We decided it is not worth it.
Product: Vehicle loan or lease

I have been paying for this loan since XXXX I started at a certain amount and 4 years almost 5 yrs later im still having the same amount due for this loan. even on months im not late this company is reporting to the credit bureaus of me being late. I recently had the car repossessed during my stay in the Intensive care unit. I expressed that to them and they still disregarded that during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i expressed that to them and still was demanding me to pay and threatening to put the bad marks on my credit and take possession of the vehicle. I should almost be done with paying the car but now it says 80 month contract i don't remember signing a 80 month contract with this company. I asked for a contract that i signed and have not had that produced to me. this company has ruined my credit with late payments even after i voiced to them and sent in documents showing i am late because i am in the XXXX XXXX XXXX XXXX. Each representative questioned and harassed me about payments when my health was not in a good condition to even work for money. I was even asked to ask friends and family for the money or get your car taken.
Product: Credit reporting or other personal consumer reports

SUBJECT : FCRA 605B ( 15 U.S.C. 1681c-2 ) Request to Block Fraudulent Accounts FIRST & LAST NAME : XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/XXXX Contents of Complaint : This is a formal and urgent demand under FCRA 605B ( 15 U.S.C. 1681c-2 ) for Equifax to take immediate action. I demand that you block all fraudulent information appearing on my consumer credit report within 4 business days of receiving this complaint. This fraudulent and inaccurate information is the direct result of identity theft and fraud. 

The following fraudulent accounts and hard inquiries must be blocked immediately : Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account # XXXX Balance : $ {$27000.00} Creditor : XXXX XXXX XXXX  Opened : XX/XX/XXXX Account # XXXX Reported Balance : {$290.00} Creditor : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Account : XXXX Reported Balance : {$5000.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account # XXXX Reported Balance : {$700.00} Creditor : XXXX XXXX Opened DateXXXX Account # XXXX Reported Balance : {$56.00} Creditor : XXXX XXXX Opened Date:XXXX Account # XXXX Reported Balance : {$0.00} Additionally, these fraudulent accounts have caused unauthorized hard inquiries and collections to appear on my consumer credit report. 

I have attached a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) as indisputable evidence from the U.S. Federal Trade Commission that these accounts, collections, and hard inquiries are the result of identity theft. 

Failure to comply with this legal request will result in further action. Block this fraudulent information immediately. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX XXXX Please update ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER  : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you