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

My account with XXXX XXXXwas never late! I have had exceptional payment history witH 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 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, 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: Credit reporting or other personal consumer reports

Based on my latest credit reports, I am seeing hard inquiries that I did not authorize. Below are the entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

15 U.S.C 1681c. ( A ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-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 that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX is no longer authorized to collect on my student loans due to recent changes in loan servicing practices. Since the loan has been transferred to a new servicer, XXXX no longer holds any legal claim over the debt. Therefore, all related negative entries on my credit report should be removed, as they are no longer accurate or applicable. I request that XXXX be removed from my credit report in 4 days to reflect this updated status and to prevent any further negative impact on my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
Product: Debt collection

I have made multiple outreach attempts to resolve a debt with Phillips-Cohen debt collections agency. I made my initial request on XX/XX/XXXX and each time I am advise someone will " contact me soon '' to provide a resolution and I am never provided a resolution. The last response I received was on XX/XX/XXXX stating someone would contact me and I have made outreach since and they have yet to provide a response or resolution. I accepted a payment plan with their company on XX/XX/XXXX for a debt agreed amount of XXXX. My 2 initials payments failed due to incorrect digit entered on my end, so I promptly paid double once realizing to compensate. At this time, I have paid XXXX of the agreed upon amount of XXXX and they are not reviewing the account to update the balance to consider the debt resolved.
Product: Debt collection

ARS Account Resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amounts of {$1100.00} & {$1200.00}. The collection has been reported as a post due balance. I do not know anything of this company. I have never done any business with this company. The company does not have a contract with my signature.
Product: Credit card

Wells Fargo has put on a charge to our credit card that is FRAUDULENT. {$570.00} and {$500.00} for 2 days in a row XX/XX/2024 and XX/XX/2024. We have never been to this Stake house in XXXX Oregon or anywhere else. Wells Fargo removed these charges when we inform them that this was Fraud we never went to this Stake house. Wells fargo had denied a {$750.00} charge from the same Stake house trying to fraud us. Now Wells Fargo has re-charged us the {$570.00} and the {$500.00} on XX/XX/2024 trying to tell us that it was not a Fraud that it is valid. We again have never been to a Stake House is XXXX Oregon we live in California and we have never spent this amount of money at any restaurant 2 days in a row. And they won't tell us how these charges can be even money no cents {$500.00} {$570.00}.
Product: Bank account or service

I atempted to open a businress checking account with US Bank and was sent on the run-around XXXX times. I was told different things each time I went to the bak, Then I was left siiting for a prolonged period of time only to be told that they were closing. Finally, I was told that because I had a negative balance one day a couple of months ago, that I could not open the account. I tried to explain that the negative balance was due to someone else using my card numer of which I had filed a claim on. However, uS bank employees were determined not to open the checking account for me after taking copies of all my information.
Product: Credit reporting

Hi, My name is XXXX. My address is : XXXX, RI XXXX.My date of birth is : XXXX.My social security number is : XXXX 0n XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( TransUnion ) are 1.XXXX - XX/XX/XXXX 2.XXXX -XX/XX/XXXX 3.XXXX -XX/XX/XXXX 4.XXXX -XX/XX/XXXX 5.XXXX -XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
Product: Credit card

I've been going back and forth for about a year now with Capital One. They have clearly sold the alleged debt to XXXX different companies and its hurting my credit score. The amount for XXXX is {$470.00} it is with capital one the second one for the same account is with portfolio associates for XXXX same account number hitting my credit report twice
Product: Credit card or prepaid card

I have two credit cards with Citibank. A Shop Your Way Card and a Citi Diamond PReferred card. 

My credit limit on my Shop Your Way card was {$3500.00}. On XX/XX/XXXX I made a payment of {$2000.00} to Citibank because I am trying to pay down my debt so that I can improve my credit score. I have never been late with my payments for this card. On or abut XX/XX/XXXX, Citibank lowered my limit on this card by {$2000.00}. This in turn has made it appear as though I am using almost all of my credit line. This also has had a negative effect in my credit score. I have since made the following payments to Citibank for this card - XX/XX/XXXX - {$200.00} - XXXX - {$500.00} - XXXX - {$300.00} Regarding my Citibank PReferred card. The limit on this card was {$5400.00}. I have been making consistent payments on this card even though I am not working and worked to get this balance from about {$5300.00} down to {$4300.00} between the beginning of XXXX and now. On XX/XX/XXXX Citibank lowered the limit on this card to {$4500.00}, again making it appear that I am using almost all of my credit line. They are indicating that they are using information in my Credit Report, but they are the ones who are causing my credit score to suffer because of these drastic reductions in my credit limit.

I would like for CItibank to remedy this situation so that I can continue to improve my credit score. They are intentionally hurting my ability to improve my credit rating.

I believe they are also using the fact that I informed them that I was impacted by COVID 19 as a reason to lower my credit limits when in fact I have not missed any payments with them.
Product: Debt collection

This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I see a couple of hard inquiries on my credit report. I just filed bankruptcy and these inquires shouldn't be on my credit reports.
Product: Credit reporting

On XX/XX/XXXX I pull my credit report from all three credit bureaus and noticed that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX-phone number XXXX XXXX XXXX reported a telecommunication account # XXXX from XXXX XXXX for {$1000.00} - all three credit report shows this account was open on XX/XX/XXXX balance date XX/XX/XXXX, although i disputed the account, it sat on my report until it dropped from all XXXX credit reporting bureaus aroung XX/XX/XXXX. Then XXXX XXXX sold the account to XXXX-XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX The add the account again to my credit report with experian on XX/XX/XXXX as a new account ( with partial accounty number XXXX for {$1000.00}. I disputed this twice already and fax my old credit report to the credit bureau and they still have not corrected this violation. 
EVEN IF A CREDIT COLLECTOR BUY AN OLD DEBT, THEY ARE REQUIRED TO REPORT THE ALLEGED ORIGINAL DELINQUENCY DATE NOT JUST MAKE ONE UP AND INTENTIONALLY SOIL SOMEONE CREDIT. i WAS DENIED CREDIT BECAUSE OF THIS COLLECTION ACTION AND WILL BE FORCE TO SPEAK WITH AN ATTORNEY IF THIS IS NOT CORRECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent a letter to Transunion notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XXXX/XXXX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Transunion is in violation. The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX  Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XXXX/XXXX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. 

Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall pulling my credit this year. Please remove
Product: Debt collection

did not provide me with a 1099 c or send me a copy of the Deficiency letter!
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX have always had a trust fund since I was born. I have never had an bank account and I have never done business with any bank. I have never had a bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX or XXXX or any bank. remove all bank accounts from my profile.
Product: Student loan

I have been repaying my student loans under the income-based repayment and REPAYE plans.  I have to recertify every year and have my monthly repayment adjusted based on my income for the year.  Until the recertification is processed, the account defaults to the standard payment amount.  

I have been begging Navient for months to process my recertification.  I called a few weeks ago to let them know my account was about to revert to the standard payment of over $2000, and I was told my application would be processed and my payment amounts would be adjusted.  I was also told what the amount would be.  That amount has not been reflected on my account, and I refuse to pay an amount that is more than 5 months' worth of payments at one time.  I have left Navient multiple messages that have gone ignored, and today they had the nerve to send me a message informing me that I am in default.  I am at my wit's end.

It is not fair that my credit might be at risk because they can't get their act together.  This happens to me every year, and it is about time that Navient gets punished for their poor service.  Please help.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Checking or savings account

Hello. I have been a customer since 2004. I was XXXX XXXX XXXX. I got a job and opened up my bank account at the XXXX XXXX  XXXX. Through the years of being with the bank its changed a few times. The most recent, current bank is now peoples United bank. I never have issues with anything ; Im always a very understanding person when it comes to issues. But this issue Im having is making me loose sleep. Since having this bank I been feed for having money in my savings. Im trying really hard to save money. Even just a little bit : and been charge XXXX dollars in total for a service charge. I dont know how to save money if it the bank keeps taking it out. I plan on closing the savings account and saving money a different way. But thats not the Issue. The real issue is I most recently been charge 12 over draft fees in less then two weeks totaling XXXX Dollars. I lost my job of ten years and gave birth to my XXXX  child during the beginning of the pandemic. My husband also lost his job last year and all financial security had gone right out of the window. Since having to stay home with XXXX children, homeschooling XXXX of them I am forced to collect unemployment until I can afford to find a child care and school is back in normal session. Our lives have completely turned upside and as a mother of XXXX children I want the best for them. I dont mean for this to turn into another sob story but its very gutrenching this much money has been takin from my account. 3 weeks ago my wallet was stolen and the person used my credit cards and debit card. They used XXXX at a smokers shop and XXXX at a gas station. I had budgeted enough for the week but the money they taken from my account put me behind for a few weeks until my account was credited the fraud amount. During this time I was charged 12 overdraft fees. I called the bank hoping I can get them refunded but after talking with the customer rep they said I already had a curtesy refund this year. They also suggest I have a sweep on my account so this doesnt happen again in the future. I feel abused and absolutely discriminated against as a low income individual. I was charged an excessive amount of with drawl fees and this practice seems predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account has disappeared from my credit.