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

My account with XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on 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 ( MONTHS REPORTING 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 ) 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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING 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  ) 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

Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.
Product: Debt collection

ARAGON COLLECTION AGENCY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX VICTIM OF IDENTITY THEFT, NEVER USE FIRE RESCUE, MY IDENTITY STOLEN. I HAVE FAX MY COMPLAINT 2 TIMES ON XX/XX/2019 SPOKE TO SUPERVISOR XXXX ON XX/XX/2019 EST XXXX XXXX  SHE STATED COMPANY NEVER RECEIVED THE 2 FAXES PROOF FAX NUMBER # XXXX SEE FILES UPLOADED. PROOF OF FAXES AND PROOF OF IDENTITY THEFT COMPLAINT COMPANY ARAGON COLLECTION AGENCY REFUSES TO REMOVE FRAUDULENT I XXXX DEMAND FOR JUSTICE AND REMOVE THIS NEGATIVE XXXX XXXX XXXX XXXX REPORTING TWICE SAME ACCOUNT.
Product: Debt collection

Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.
Product: Credit card

XXXX was opened without my knowledge or consent. I was XXXX on a XXXX ship when this card was opened. Was disputed as identity theft and no longer on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXXXXXX XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected.

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXXXXXX I appreciate your attention to this matter and look forward to a swift resolution.

Thank you for your prompt assistance in this regard. 
Sincerely, 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$25000.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED 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  15 U.S.C, 1681section 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 an 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Product: Credit reporting or other personal consumer reports

I have requested that Equifax remove the incorrect inaccurate information from my credit report. They initially removed the information and then reinserted it, which is a violation of the law. 

See attached documents
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX / {$0.00} / XX/XX/202XXXX XXXX / {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX  XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Product: Credit card or prepaid card

I am currently homeless and do not have a phone plan any longer. I only have access to Wi-Fi occasionally. I have no additional income to cover an issue with chase where they charged me more than the payment plan I set up. I do not understand how it became two payments when the app is what set me up with the total but they repeatedly failed to help. To sort this issue out has been impossible. I am also waiting for documents requested about my credit card application. The customer service rep acknowledged that I am needing to file bankruptcy as I am homeless again but then told me they are sending my documents to the address on file. Very rude. Every avenue leads to a phone number. Worse still, Ive lost part of my hearing two days ago and phone calls are difficult for me. No option to assist people with disabilities ( temp or permanent ) on their website. They constantly ignore my secure messages when its out or scope and they give no alternative options for seeking help. They say to contact them on XXXX thats hardly a helpful support line, because XXXX says they cant help. I asked them repeatedly for help with my issue and they stopped replying to me. They even told me to try a VOIP to call which still requires money I dont have. None of the free ones connected to their numbers. Chase has created a system that negatively impacts the financially disadvantaged and the XXXX. A clever way to discriminate against minorities who are disproportionately impacted by poverty by a big bank, go figure. There needs to be proper support and timely for people who can not use phones. Telling me to wait XXXX days in the secure message center only to NEVER reply is not acceptable when they are ruining me in the meantime and taking more money than they should. I live on the streets with uncertainty about whether I need to starve more or can eat. They did nothing to help me during Covid. They placed the same barriers of call us on the phone or we wont help you and Im sick of it. Where is enforcement of the disability act? Where are options for customers without phones? There must be accommodations made and now that my hearing is an issue on top of not having a phone line how is this not discrimination? Im beyond sick of this bank and its treatment of me. Look at the attachments, I have screenshots that go back months from Chase saying the same we will contact you in 10 days or 2 days they NEVER reply!!! The issue sits and more time passes so they can charge more late fees.
Product: Debt collection

i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount and between me and the creditor is the only form of validation, AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
Product: Money transfer, virtual currency, or money service

Money was taken out of my account without any authorization from myself cashapp told me I was in possession of the device that made the transfer and that was not possible I didn't not make the transaction
Product: Debt or credit management

I retained level one law in XXXXXXXX XXXX XXXX I had acquired XXXX dollars in credit card debt. I however was making my payments on time. My credit score was XXXX. 
The payments created hardships even though they were on time. With prices rising i was on a sinking ship. Level one law advised me to stop making payments and agree to make payments to level one law. 
I agreed to pay XXXX per month. 
My calculations say XXXX in total. 
They took out fees and retainers. They settled one of my accounts. 2 % of my debt. 
My credit score went down over XXXX points. 
I was to have legal representation in case of lawsuit. I sent them the summons and hearing date and Noone responded. I now have 2 judgements against me. I called and the agent on the phone told me that they quit doing negotiations for me. That I am on my own or get another debt relief company. I closed my global holdings account and recieved XXXX. 
They still would be taking money out if I did not close the account even though they will not work for me. I don't know when they decided to quit.
Product: Checking or savings account

onXX/XX/18 I used my BoA mobile banking app to, what I thought was securely, transfer {$400.00} from my account to an individual who was " selling '' event tickets. After I transferred the funds the " seller '' stopped communicating, so I immediately called my bank to stop the payment to which they replied there was nothing they could do because it was through XXXX. For one, I did not ask for them to force me to use XXXX when using my mobile BoA app. Two, this is fraud no matter if I initiated the transaction or not. It was their decision to use a non-secure form of transfer and to not try and fix the issue. If I used my debit card to buy a mattress online and it never came, they would consider that fraud and investigate. this is no different.
Product: Mortgage

My Servicer Ditech Financial ( my servicer ) initiated a non-judicial foreclosure with XXXX and stated that the XXXX was the owner of the loan. Back in XXXX I was in direct contact with an executive at the XXXX and stated that they did not own the loan or the property. Now 2 years later they are advertised as owning the loan Also per Georgia XXXX is suppose to advertise the sale for 4 consecutive weeks PRIOR to the sale date. They started advertising the sale on XX/XX/XXXX and the sale is scheduled for XX/XX/XXXX ILLEGAL ACTIVITY nor did they allow me the time to dispute the debt prior to the 30 days applicable per federal law BEFORE advancement of collection and 4 consecutive weeks of advertising prior to the sale state law ILLEGAL ACTIVITY Also I dispute all parts of the debt and I need Ditech to send all documents that prove XXXX owns the loan and I owe XXXX to the servicer
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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 XXXX3 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 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: Student loan

There are multiple dates and times I have spoken to SallieMae aka Navient and asked for options to be able to discharge these loans, including if these could be included in my bankruptcy. I have explained to them that I am having difficulty paying these loans. 
I have been told there are no other options available to me besides the interest only payments, when they set me up on those my account is always messed up and i am always given the wrong information. I am charged late penalties and then they send letters to my cosigner who thinks I am not paying. 

I have asked could these loans be included in my bankruptcy and they said no, when in fact I found out that this was not true, that my private loans could have been included. 

I attended XXXX XXXX from XXXX to XXXX. The degree I went to XXXX for was XXXX XXXX XXXX, the XXXX XXXX fell under this program. I was told that the degree I obtained would help me find better paying jobs by the time I graduated. This was not the case as employers felt I did not have enough education in the XXXX XXXX XXXX, nor did I have enough education in the XXXX XXXX XXXX field.