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

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Product: Debt collection

I was notified by a creditor on XXXX of XXXX that I had a collection on my credit report. I had no knowledge of any such collection and did not even know who to contact. All I knew was that it was for some medical service in XXXX. I have had no contact from either my insurance at the time or from the people the original bill came from. I have had no mail, no phone calls, nothing from anybody. 
On XXXX is was sent a collection letter notifying me that I owed Thousands of dollars plus an ongoing interest charge. 
I was not even given a chance to pay for this bill, if it is even mine. PSC Inc. has marked my credit and started charging me Hundreds of dollars in interest before I even knew I had a bill. 
How can someone pay a bill they don't even know they have?
Product: Credit reporting, credit repair services, or other personal consumer reports

i woke to find inquires that arent mine on my report and equifax will not remove them
Product: Checking or savings account

I made 4 deposits into my Citibank business account on XX/XX/2022 in the ATM machine. The deposit amounts were, {$1400.00}, {$300.00}, {$6600.00}, {$1800.00} for a total of {$10000.00}. The deposits were comprised of a total of 12 checks from businesses. Of those 4 deposits ( 12 checks ) the bank only made available to me $ {$290.00} immediately to withdraw or write checks against and did not make the funds available until XX/XX/XXXX. As a result it caused two of my checks to be returned unpaid which is a huge embarrassment. I feel that the bank should have made more funds available than {$290.00} on the date the deposit was made considering the amount of my deposit, but instead made me wait 5 days because Monday was a holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX.has violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however Experian and XXXX have not.
Product: Debt collection

Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

1st Franklin Shared Private information to an non affiliated Third party I demand my information be removed immediately from the consumer reporting agencies XXXX, XXXX and XXXX Also XXXX!
Product: Debt collection

It says this report was opened XX/XX/2024, I opened an account with XXXX in XX/XX/2024. I am certain that if I had opened an account in XXXX that was XXXX, I would not have been allowed to open another account in XXXX. The account I opened in XXXX is now closed with a XXXX balance. I called both XXXX and the Ashmer collection agency. XXXX XXXX  said their was nothing they could do as the account was already in collections and out of their hands. The Ashmer collection agency first made me pay {$1.00} just to see if I was eligible for removal, then proceeded to tell me that there were inaccuracies on all of my collection accounts and they were all eligible to be removed but there was a {$300.00} fee in order for them to do so.
Product: Credit reporting or other personal consumer reports

I had some fraud on my credit. Someone used my SSN to open a XXXX installment loan. I was able to obtain my credit report and saw 34+ inquiries that i DID NOT authorize. Inquiries on my credit are all fraudulent and I would like for them to be removed. I have reached out to the companys and they wasnt able to provide any information.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Amount {$200.00}
Product: Credit reporting or other personal consumer reports

This is offered through my XXXX XXXX. Both balances should be XXXX  balance for XXXX. 



XX/XX/XXXX NEW Credit monitoring : New Account A new account has been opened. 
Account Balance {$250.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Creditor Name XXXX Industry Type Personal Loan Companies XX/XX/XXXX Account Balance {$270.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Creditor XXXX XXXX Industry Type Personal Loan Companies
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXXXXXX XXXXExperianXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX/ExperianXXXX
Product: Mortgage

I applied for assistance after falling behind on my mortgage due to unemployment. I have hired an attorney to help me with the process. The attorney 's in house underwriter states I qualify for a regular XXXX modification. Bank of America now states I do not qualify for a regular modification due to XXXX / Investor non-approval. I have not received any denial letters or explanations. We believe there may be an error in some of the information the investor is using to make this determination such as the value of the property or similar. Bank of America has also started foreclosure by filing a Notice of Default on XXXX XXXX, 2015. They did not review me in a timely manner that last time I applied for assistance. They stalled and took 76 days to review me. This is after they filed the Notice of Default against me, thereby burning all of my time waiting for them. Per my attorney, this is wrong and I believe illegal as it violates Respa Reg X- Regarding timelines for reviewing someone for foreclosure assistance, especially after a Notice of Default is filed. I am told they were supposed to review me within 30 days of having a complete package. They received my complete financial package on XXXX XXXX, 2015. My attorney confirmed they received the package and that it was complete on XXXX XXXX, 2015. However, they did not make a decision until XXXX XXXX, 2015. I have attached notes from my attorney 's calls to the lender. You can see they did not review me in a timely manner. It feels like they stalled on purpose and then intentionally denied me solely to reach the 90 day mark where they can now set a sale date and I have run out of time to save my house. They give no reason for the denial and now they have burned all my time to be able to correct what ever errors they made while reviewing me to save my home. I am told by my attorney that the timelines set by RESPA Reg x to review someone for loss mitigation assistance within 30 days of submitting a complete financial package were set up this way because lenders were stalling and then just setting sale dates. I fear this is my case. Bank of America seems to have burned two and a half months sitting on my application. This is after foreclosure was started and my timeline to a sale date is also running out. They are not not giving me the reason for my denial and as of XXXX XXXX, they can now set a sale date leaving me no time to figure out how to save my home. Attached you will find notes from my attorney 's office proving Bank of America sat on my loan modification request and has burned my time since my Notice of Default putting me into a bad situation now facing a Notice of Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Vehicle loan or lease

I have reached out 3 times by email to the company and advised them that the loan balance has not been updated since XX/XX/2018. On my credit report it shows last payment as XX/XX/2018 and the balance has not changed. It is XX/XX/2018, and payments has been made on time every month after XXXX. The balance has not decreased since XXXX and last payment has not been updated since XXXX. I am asking that this get updated, as I pay on time every month.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Checking or savings account

on XX/XX/XXXX I noticed several fraudulent transactions with a merchant I have never done business with, nor anyone with my knowledge/permission. I immediately called First Tech FCU and they instructed me it must be reported online or in app, and it would cancel my card automatically. I complied and dad that immediately. 

The next day I receive an email saying due to activity deemed suspicious my login, cards, ach, access to funds, abilty to deposit funds and anything else account related is fully blocked, indefinitely. As described I could not login. I called and am told that my case is being handled only by the fraud department. i can not speak direclty with them, the best I can manage is to wait on hold as the rep chats with them, but even with those lengths it turns out the information I was given is not accurate. 

I asked how I will be able to follow up on the status of my fraudulent charges, they promised me to put a note in my file and also reassured me that i will not have to have access to online banking and they will email me directly. They did not, and exaclty as i was worried about I got an email from First Tech on XX/XX/XXXX saying I have a secure message, but i can not login to see it. On this call on XXXX I also told them i just moved and I can not even update my address. They said they put a note that will be seen and i wont receive correspondence to the prior address, but they can not update it becasue they are " locked out ''. I have received no letters to my new address, so this appears to be false as well. 

My most pressing concern on XXXX was the roughly {$6000.00} in fraudulent charges. I wanted to submit some information to help the investigation. They said wait till I hear from them by email. I asked about what if my account was still frozen after the conclusion of the investigation, will my funds be deposited? they didnt know. I then asked about Regulation CC policies, and if my case was still being reviewed in ten business days, will I be issued provisional credits pending the investigation concluding. They said i will not be. I was confused as I understood this to be federally regulated, I was told no, not when we are reviewing your account, we do not. They then said I will be getting an email from fraud and they put notes updating my address. None of that happened. 

I carefully reviewed Reg CC and my fraud tranactions fall under debit card provisions, it was fraudulent I do. not know the merchant, my account was not less than 30 days old ; is it acceptable for First Tech FCU to deny provisional credits after ten business days due to " suspicious activity?
Product: Mortgage

I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. 

That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.
Product: Credit card

In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.