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

My account with XXXX XXXX EMPLOYEE AND 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 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 EMPLOYEE AND 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

. I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?
Product: Consumer Loan

I got a car from drive time and all they have been trying to do is run game on me and I 'm getting tired of it. The car I got from them had transmission problems and probably other stuff as well. The transmission had a recall on it, so I took it to XXXX several times to get fixed, but I got frustrated and called XXXX corporate office and told them what was going on and they supplied me with a code to get a new vehicle, which I was given. I called drive time to let them know what was going on with the vehicle and how I wanted to turn the vehicle and that the car they gave me was having issues, so I talked to a supervisor and she said as long as I turned in the recall info and how many times I took it too get fixed about it not affecting my credit, but I have n't heard anything from them. All I keep getting is the run around and no one knowing what I 'm talking about and I think they are trying to affect my credit, so they say keep the car until I hear from supervisor. Please help. I have made calls after calls. It has been a week and 3days and they keep saying I will hear something XXXX and then the next day.
Product: Credit card

Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several certified letters that have been ignored by the credit bureau. I have send letters of disputed alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} + PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLIANT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM for the following late 1.XXXX XXXX-several late/missed payments 2XXXX XXXX-several late/missed payments
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX  and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX  XXXX Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Product: Credit card or prepaid card

Since approximately XX/XX/XXXX, I started receiving emails from CHIME as if I had opened an account. On XX/XX/XXXX  I got a CHIME mail with a credit/debit card included in it. 

Today, I contacted CHIME to report fraud and gave them my last 4 digits of my SSN, the card XXXX digit number and email all in the purposes so they could look up my " account '' and attempt to deal with me claiming that I have NOT ever wanted a CHIME account. 

I do not want a CHIME account and believe either one was set up in my name using stolen data OR that this is marketing gone too far.
Product: Credit card

XX/XX/XXXX On XX/XX/XXXX, I paid my Best Buy credit card, which is financed by Citibank {$3300.00} leaving a XXXX ( {$0.00} ) balance. My XXXX statement showed a XXXX ( {$0.00} ) balance. I made no other transactions or purchases or renewal approvals after XX/XX/XXXX with my Best Buy credit card. On XX/XX/XXXX I received an email from Best Buy that my XXXX cyber security product would be renewing. On XX/XX/XXXX, I called and emailed Best Buy and said I don't approve this renewal charge. Please credit my account the {$49.00} and any interest that may have accrued with this charge. I asked to have my account credited the full amount of the renewal amount. I received another email in XXXX charging me {$52.00} for the XXXX cyber renewal. I called customer service again and filed a dispute of the charge. On XX/XX/XXXX. I talked to Best Buy Several times and was told this matter was handled and I no longer owed this debt, and the dispute has been approved. On XX/XX/XXXX, I received a letter stating they received my inquiry regarding the transaction ( s ) made at XXXX XXXX. Dispute Amount Transaction Date {$52.00} XX/XX/XXXX. 'We issued a credit to your account for the above amount ( s ) and adjusted any associated fees and interest charges. These will appear on your statement within XXXX billing cycles. We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed ''. I continued to see this charge on my account, receiving several calls from XXXX XXXX demanding payment of {$52.00}. I continued to call XXXX XXXX and continued to tell XXXX XXXX that I didnt owe this debt. On XX/XX/XXXX, I spoke with XXXX XXXX again trying get this charge off my account. I was transferred to the XXXX XXXX and was told they could pro-rate the charge and take {$40.00} off the {$52.00} and I'd have to pay {$12.00} because I did not request the cancellation in XXXX. I declined the offer because I do not owe this debt and want it to be eliminated from the account. Now, XXXX XXXX has XXXX my credit limit from {$8000.00} to {$380.00} and reported me as delinquent to the credit bureaus and as a result my credit score has been reduced by XXXX points with some agencies. I have been a loyal continuous Best Buy customer for over XXXX  years. I had XXXX balance and an {$8000.00} credit limit and if I had approved this renewal. I would have paid the {$52.00}. Also, in looking at my account, every statement is available to view except the month of XXXX, which is the month in question of the purchase. The fact that my credit score has decreased after years building my credit, has ruined my credit and increased any interest rate I would have to pay if I needed to secure more credit, for anything. I want all of this to be reversed and for Best Buy and Citi Bank to rescind the negative entry into the credit agencies and help to restore my credit score to which my XXXX score has dropped XXXX points of what it was before the negative entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAINE & WEINER XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX AUTO FIN {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Student loan

I consolidated my loans and because I did that I was denied XXXX Loan Forgiveness because my loans originated in XXXX. However, I was seeking forgiveness for loans taken for my XXXX which started in XXXX.
Product: Debt collection

I have had 4 different collections agencies try to collect on a debt that is not mine and they have reported this debt to my credit reports and each time I have filed a complaint with the Consumer Financial Protection Bureau each time and the agencies removed the collections from my report and then its sold to another. Now Nationwide Recovery Systems as added this debt from XXXX for {$1000.00} to my XXXX credit report, I have never received any bill or statement from Nationwide Recovery Systems or  XXXX. I have spoken with XXXX XXXX and they do not sell their accounts, they further stated that they only your Focus XXXX XXXX   to collect on all of their past due accounts. 

This is not my debt!
Product: Mortgage

Thia is a loan credit of XXXX as second mortgage, we couldn't make the payments, now my house has equity and the SLS wants to foreclosure my home, I have been make the payment in the first mortgage that is current, the ba, ace is about 390,000,  I have trying to set up a re-payment plan but the said I do not qualify, if not fear that the second wants me foreclosure and the first is a lot more money that I owe them, I want resolve this off course I want to make affordable payments to the second. I'm willing to set up an affordable re-payment plan.
Product: Debt collection

Gurstel law Firm P.C. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. XXXX XXXX. I have not received any letters from any Debt collector in regards to XXXXXXXX XXXX in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditoXXXX XXXX XXXX I feel that Gurstel law Firm is making up numbers to get more money from me.
Product: Credit reporting or other personal consumer reports

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 hard inquiries that was never given a credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries that need to come
Product: Payday loan

I received a loan due to an emergency XXXX 2014 in the amount of {$750.00}. I 've paid {$1000.00} back and the balance is now {$2300.00}. The company told me they 'd accept a settlement in the amount of {$1700.00} in XXXX installments which would totals me paying back {$2700.00} when my current balance is showing {$2300.00} after a year worth of payments. It was done through speedycash.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of Medical Data Systems violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX also to the CFO, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Medical Data Systems had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As Medical Data Systems has been in business longer than 30 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX XXXX XXXX ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical Data Systems never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Product: Credit reporting or other personal consumer reports

15 USC 1681Q- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$XXXX}, whichever is greater. 

15 USC 1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 

XXXX XXXX XXXX ( LATEPAYENT ) Account # XXXX PLease Help me correct this late payment and remove/deleted. 

XXXX XXXX Account # XXXX Dept of edaidvantage account # XXXX XXXX  Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE THIS ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Product: Checking or savings account

I Made A Check Deposit, The Check Was Signed Over To Me Which Makes Me The Owner Of The Check And M & T Bank Put My Check And My Checking Account On Hold. They Denied Me Access To My Account And Im Being Treated Like A Criminal Because I Believe Theyre Accusing Me Of Fraud Which I Am Not Doing.
Product: Vehicle loan or lease

XX/XX/XXXX To : WELLS FARGO BANK NA AS CTL AGT po box XXXX, XXXX, MD XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. MD XXXX To XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Il Re : Complaint about purchase of XXXX XXXX XXXX XXXX shows Wells Fargo as XXXX & XXXX to XXXX XXXX XXXX is about a leased vehicle I purchased over XXXX years ago. Lease & funds to purchase the vehicle were all sent to XXXX XXXX. 
Paperwork from the lease transaction in XXXX, shows that XXXX sold the car to Wells Fargo. I now must question why I was instructed to send all my payments to XXXX XXXX. 
Clear title to the Vehicle has never been provided to the XXXX of Illinois or me. Wells Fargo continues to be listed as a lien holder but refuses to acknowledge any involvement with a transaction related to of my car. 
XXXX XXXX provided the Pay-off and collected funds for the purchase transaction. Now I believe Wells Fargo should have been providing the pay-off. It appears that XXXX Sold the Vehicle to Wells Fargo. I am not sure why I was sending payments to XXXX XXXX when Wells Fargo was listed as the owner of my car. 
Please see attached paperwork from the lease transaction. 
Named parties involved in the lease transaction to acquire the car were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo listed above. 
XXXX XXXX, XXXX XXXX XXXX Wells Fargo are known to be business partners I have provided the VIN number and car registration information. Title information can be verified on the Illinois XXXX of XXXX web site by searching the VIN. 
I have provided information to confirm I paid off the XXXX. 
Wells Fargo needs to communicate that they have no ownership interest in my car and reference the VIN. 

Attachments : 1. Title & Registration, 2. Instructions to Clear Title 3. Lease documents 4. Pay-off information from XXXX XXXX 5. Summary Statement describing events 6. Wells Fargo responses indicating refusal to help clear title.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to TransUnion AND Experian since XXXX concerning a XXXX XXXX XXXX account ( # XXXX ) which they continue to report as " Charged Off '' with derogatory remarks and a joint responsibility assignment. 

However, I provided IRS Notice XXXX and a XXXX XXXX letter dated XX/XX/XXXX that clearly confirms the account was closed due to age, canceled, and XXXX XXXX will not collect nor accept payments. A Form 1099-C was issued to the IRS confirming cancellation of {$10000.00} of debt. Additionally, this cancellation was reported under an SSN ending in XXXX, which is not mine. Furthermore, XXXX has already deleted this tradeline, confirming the account was inaccurately attributed. 

TransUnion & Experian 's most recent dispute investigation completed XX/XX/XXXX merely updated the " date updated '' and " rating '', but retained the derogatory " Charged Off '' status and continued misreporting, despite my detailed evidence. This violates : 15 U.S.C. 1681e ( b ) Failure to maintain accurate credit reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 26 U.S.C. 6050P Improperly reporting canceled debt with balance Texas Business & Commerce Code 17.46 ( b ) ( 24 ) Misrepresenting the legal status of a debt This misreporting has harmed my creditworthiness and caused unnecessary emotional distress and fear of being re-victimized for a debt I do not owe. TransUnion and Experian are knowingly failing to correct this error even after receiving documentation proving the debt is not collectible and not attributable to me.
Product: Checking or savings account

I made a checking account deposit with a personal check from my father in the amount of {$6000.00} on XX/XX/2022 to my US bank checking account. I made this deposit Via ATM after XXXX as I was working and could not complete the deposit earlier. Due to the deposit amount I was not able to complete this transaction via the mobile app. I assumed there would be a hold on the funds due to the time and amount of deposit which is reasonable, however there was an additional hold placed for several days. I received a letter from the bank dated XX/XX/2022 that stated we have placed an additional hold on funds deposited because " we have information that leads us to believe this check will not be paid ''. It was a check from my father 's credit union!? And what information do you have that would lead tou to believe the funds would not be paid. Of course no such information could be provided. My depsoit has been held for an additional week. I incurred multiple late charges and overdraft fees due to the very unnecessary extended hold. I have been unable to pay my mortgage or utilities due to this. Unbelievable! My father provided me a snapshot from his bank account proving the check cleared his account on XX/XX/2022. 
I contacted both the XXXX customer service department AND my local branch and was told there was nothing they could do. The local branch stated they could try to contact my father 's bank to verify funds but that majority of banks no longer do this for Privacy purposes. I understand that hold policies are in place to protect the bank and Consumer but to extend a hold based on a claim that they have " Information that lead them to believe the check would not clear '' when no such information could be provided is unethical, predatory and very dishonest! 
The letter I received also stated that they would reimburse me any fees incurred as a result of the extended hold. We shall see. I'm not hopeful at all. 
I have been banking with US Bank for over a decade but I am absolutely disgusted and disappointed with their so called policies. As soon as I am able I will be banking with another more honest and ethical institution.
Product: Debt collection

I am being constantly harassed and receiving bills for return of equipment that was returned. I have called and called and I get the same result. I am sick of being harassed.
Product: Credit reporting or other personal consumer reports

The 3 mayor Credit Reporting agencies ( equifax ) ( XXXX ) and ( XXXX ) keep reporting this time-barred account which i believe it unlawful.