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

My account with XXXX XXXX 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 XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

I have an American Express Gift Card that I got from my employer for {$1000.00}. I've tried to use it various places and everywhere I go the card is declined. I have tried different stores, different amounts, ensured that what I am purchasing is not over the balance, even left a 20 % cushion and it is denied every time.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report. 

Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX I am absolutely certain that the items I disputed are incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023 my holding company XXXX primary accounts accepted payment of XXXX dollars through PayPal services.for services rendered in the DETAILING of a R.V. PayPal without or prior notice decided to put a hold XXXX dollars of my money.after taking there For 30 days. Claiming I have maid more than XXXX in XXXX month. After spend most of the day trying to contact a real customer service person and dealing with there chat box AI. I decide to file this complaint. Paypal is not a policing agency and what they have done is the equivalent to myself cashing a check and the business take there fee then informs me they are keeping a portion of my money for 30 days for whatever reason they can think of. Do you understand the interest alone not including loans repayments if they do this to thousands of people.I need my money and they have no rights to do this XXXX illegal act. Usually I use XXXX  or XXXX  XXXX  just so happen this customer wanted to use PayPal.this company should be investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the following accounts below and Transunion told me the accounts were verified as accurate. However The " DATE UPDATED " DID NOT CHANGE. It appears that no investigation was actually done. ALSO TRANSUNION DID NOT PROVIDE WITH " NO METHOLD OF VERIFICATION ''. I am asking for Deletion because Transunion did not follow the procedure as outlined in the FCRA '' AND THEY ARE VIOLATING THE LAW. 

XXXX XXXX XXXX DOCKET # XXXX DATE UPDATED XX/XX/XXXX DID NOT CHANGE, courts don't verify Public Record, please provide me with person, who you spoken to. 

XXXX XXXX # XXXX, Date Updated XX/XX/XXXX did not change XXXX XXXX # XXXX Dated update XX/XX/XXXX did not change XXXX # XXXX ' date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX date opened XX/XX/XXXX Date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date updated XX/XX/XXXX did not change XXXX XXXX # XXXX, date update XX/XX/XXXX did not change XXXX XXXX # XXXX Date updateD XX/XX/XXXX did not change XXXX XXXX # XXXX, DATE UPDATED XX/XX/XXXX DID NOT CHANGE
Product: Student loan

In 2017 my loans were transferred from XXXX XXXX to XXXX in hopes to get the Public Service Loan forgiveness. Since 2017, XXXX has not worked with me on payments. Anytime I would call they put me into forbearance. This has hurt the PSLF drastically. Ive been a XXXX XXXX XXXX  for 10 years. Im having to file my taxes married and separate to afford my loan payments. This makes my husband and I loose our tax benefits with having a child. Recently my loans have transferred over to XXXX. You can not get in contact with anyone. Hours in the phone. All they will tell you is we are updating counts but if can take up to 9 months. This is ridiculous! Ive been out of college for 10 years and it is showing Ive only made 33 payments. This is why people give up with the PSLF process.
Product: Credit reporting or other personal consumer reports

You have my reports on the companies. Now transunion won't let me get signed in. My phone has four log in names and passwords for transunion. Its a year old. And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they wan na make a buck on what is supposed to be free to all americans. I'm a homeless vet with XXXX and I paid XXXX XXXX for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from XXXX and transunion. XXXX had two mistakes. Transunion and XXXX have 8. And transunion makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Federal Loan that were being serviced by Fedloan who is no longer in business, I have disputed the accounts with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. Fedloan phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.
Product: Debt collection

Attached is a copy of a letter of dispute dated XXXX to Equifax that listed XXXX accounts that I asked to be disputed because they were unknown to me. I sent the letter with a signature requested to have proof that they received it. It has now been more than 45 days since they received it and they have not listed them in dispute nor have they deleted them from my credit report.
Product: Debt collection

Today, XX/XX/22, XXXX from Mnet Financial called me, stating I had unpaid medical debt and that I had to pay more than I was paying or it would go into their collections. ( I am in pre collection ) when this originally started the first representative told me to make an account and I could monitor everything online. We'll after several attempts, and the account never working, I had to call them back, and another representative sent me " coupons '' and told me there was one for every month till I paid the debt as I couldn't only afford {$25.00} a month. By the well if you look up the company you'll see I'm not the only one scammed out of being able to use their website. So they never sent me a statement or anything to verify my debt or balance. I paid my payments on time every month for almost 3 years. XXXX lies to me and tells me they are only allowed to send one year of coupons. But I state that can't be true as I have been paying for years. XXXX then says, she was mistaken it could be a year and a half. Again a lie as I'm almost at 3 years. She then threatens that if I don't get my remaining debt resolved in a year it will go into collection. I respond how I've paid on-time and I'm never late. And I would like a statement to verify this, since I was under the impression that I had recently paid it off after going through all the coupons. At which point XXXX says I have been paying this debt for almost 3 years and I have to pay it off within a year now. So I called her out, that she just said I've bee. Paying it for 3 years, but earlier stated I was only able to get a year and then a year and a half of coupons. And I said if I only got the coupons in the beginning and I've been paying for 3 years that makes your earlier statement a lie again. Now she's claiming she never said it and is getting loud and aggressive in her speech and tone.i asked to speak with a manager and was denied. I asked for a written statement of what I Owen and proof that I owe it and was denied. So I have no idea if I really owe any debt at all. AND XXXX who would not give me her last name, lying to me multiple times, and changing the story. If I do I fact owe this money, and I am a good payer, always paying my bill on time, why can't they verify it with written documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} ) and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and TransUnion and XXXX  are refusing to remove them. XXXX is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit card

my name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. AND THEY HAVE ONLY GIVEN MY AGREEMENT PAPERWORK WITH NOTHING BEARING MY SIGNATURE, THEY HAVE FILED A SUIT AGAINST ME WHEN I HAVE CLAIMED OVER AND OVER SEND ME THE AGREEMENT WITH MY SIGNATURE AND THERE WAS NOTHING SEND TO ME. IN ADDITION THEY HAVE VIOLATED FDCP S 807 FALSE AND MISLEADING INFORMATION DEFAMATION, IDENTITY FRAUD AND VIOLATION OF FAIR CREDIT REPORTING ACT. MY ACCOUNT WAS NOT EVEN MARKED AS DISPUTED UNTIL RECENTLY WHICH THE LAW SAYS IT HAS TO BE WITH IN 30 DAYS OF THE FIRST FORMAL DISPUTE LETTER RECEIVED WHICH WAS XXXX 2016. PLS HELP ME CLEAR MY NAME SINCE I NEVER APPLIED FOR THIS CARD OR EVER HAD AN AMERICAN EXPRESS. I DO HAVE RECORDS OF ALL CREDIT REPORTS AND CONFIRMATION SINCE ALL LETTERS SENT TO THE LAW FIRM AND AMERICAN EXPRESS WAS SIGNED FOR AND RECEIVED.
Product: Debt collection

They call almost daily around XXXX XXXX. They have also called my parents landline, who I do not live with and whos phone number I do not use.
Product: Credit reporting or other personal consumer reports

I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX Transunion.com and XXXXXXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I paid off a Collection from : NCB Management Services , Inc. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$2200.00}
Product: Credit card or prepaid card

I have a XXXX XXXX that is through XXXX XXXX XXXX and issued by The Bank of Missouri. My card came up missing and two fraudulent charges were made to my account on XX/XX/XXXX. There was a charged made to XXXX XXXX in the amount of {$69.00}, and another one to a place called XXXX for {$1300.00}, with charges were made on the same day, which was XX/XX/XXXX. I called and reported the fraudulent charges a few days later when I realized my card was missing. I spoke with a department who told me that they had cancelled the card and would issue another and it would be mailed out. They never mailed out another card, but sent me a letter saying that they had decided to revoke my charging privileges and did not issue me a new card, which is fine. The problem is that I reported the fraudulent charges and they are not addressing both charges. I have called in to Customer Service several times and advised of what charges were fraudulent and was assured they would be taken care of. After a while I did see that they did do an adjustment for the XXXX XXXX charge of XXXX but the charge for XXXX for XXXX was not adjusted, I called in when I saw this and spoke with a customer service agent who advised me that she did not see the charge either but showed the processor was someone named XXXX and provided me with a contact number and email address to send information. I called and did not reach anyone but did leave a message that same day. I also sent am email to the email address provided of XXXX, and advised that I did see that only of the two charges had been adjusted and advised that the other charge made on the same day was also a fraudulent charge, and a week letter I have not received a reply or a response to my email. In the mean time I did get a Unauthorized Charges Claim form dated XX/XX/XXXX, to complete and sign. Upon reviewing the claim form, I noticed that the charge to XXXX was also missing on the form under the list of fraudulent transactions. I manually added the charge to the form and signed and dated the form. Again, I emailed the form along with an explanation advising that the charge to XXXX was also fraud and made on the same day as the XXXX XXXX charge and was fraudulent and needed to be added, as it made no sense they would give me an adjustment for one but not the other when the charges were made the same day! In addition to emailing the form to XXXX, I also faxed it to the number XXXX as indicated in the letter. I also mailed the form back to them. The same day. I waited a few days to see if the charge would be added and it was NOT, so I contacted Customer Service again and spoke with a manager who advised that he would get the charge sent up to have it reviewed. Its been a week and the charge is still out there on my account and not adjusted and its been three 3 weeks since I initially reported the fraudulent charges.
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.

15 U.S.C 1681 section 602. 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have tried for 3 months to cancel my life insurance policy and my company was sold and may be sold again I could not find a phone number for my policy the company that was drafting me and I then called Chase and they gave me the wrong phone number for the insurance company, I then stopped the draft and reversed/disputed the most current payment from the Insurance company and Chase gave me the funds back than a month later took it out of my account again. I called Chase to ask them why and all they said was to bad that is our decision. They would not give me a reason why. I have a right to cancel my policy and I have been trying for months to do that and could not get ahold of anyone and Chase gives me the wrong number and they don't want to help me. XXXX at Chase on XX/XX/23 at XXXX hung up on me and would not help me. Was very rude. I don't understand why am I paying for a policy I didn't want and couldn't get a hold of the company to cancel. I called Chase twice to ask them what to do. 
It's not fair and not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Chexsystems report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called XXXX XXXX  XXXX and Chexsystems have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There should be no late payments at all. I know my accounts so please, I need some help about these accounts.
Product: Checking or savings account

I deposited a check that was given to me by a law firm as a part of a settlement using the Chase mobile app on XX/XX/year>. There was no notice given of any extended hold before finalizing the deposit. Later on I was advised via email that my check would be on hold until XX/XX/XXXX of XXXX. I called Chase to have them verify the check with the maker and the bank and they refused stating that XXXX XXXX would not provide any information. Upon calling back I was told this was eligible for release but they just needed to verify the funds with the maker of the check and they would be able to release the funds. When I called back to verify the check, the representative I spoke with refused to call them contrary to the information I was provided before. I asked to file a complaint or escalate the issue and the representative advised me that Chase does not accept complaints from clients.
Product: Debt collection

I received an alert that a new collection account report to my credit report. After receiving the alert I discovered that LVNV Funding reported an account to my credit file. I never received any mail or information from this company and they have validated the Fair Credit Reporting Act. LVNV Funding Llc has reported I open an account with them on XX/XX/2015 and I did not. I would like for LVNV Funding Llc to validate this debt, provide documentation showing signature, application, receipt for each transaction. Since LVNV Funding Llc is stating I owe this provide everything detail by detail and let me know how I owe {$610.00}.