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

My account with those crediotrswas 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 those account 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. 


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

On my XXXX and XXXX credit report, XXXX XXXX XXXX are reporting a debt ( {$77.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XX/XX/XXXX. They are reporting this as of XX/XX/XXXX. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed. Please advise and have it removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX made a mistake by reporting an error to the credit bureau 's and has since sent the required items to have the error removed from my reports. XXXX and XXXX were very friendly and expedited my request as I am in the middle of applying for a mortgage and this error has caused much distress. 

TransUnion on the other hand refuses to assist. My first two disputes I submitted on the error was was not the same item that TransUnion sent to XXXX XXXX for the dispute. Originally, I declared bankruptcy in 2020 and had included two XXXX XXXX accounts. TransUnion keeps sending the request for an item from by bankruptcy back to XXXX XXXX and not the actual Item I submitted the dispute on. 

TransUnion 's customer service was no help as they didn't answer my questions in chat, and kept hanging up on me when requesting a supervisor. XXXX XXXX also verified that they sent back to TransUnion the information to remove the item to which TransUnion states nothing received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called direct sales at XXXX XXXX Bank to inquire how to get credit limit increase spoke with sales who instructed me to go inside bank to fill application. Decided to check Transunion after specifically going to bank to make withdraw ; later that day discovered someone submitted an inquiry from Fifth Third Bank Location XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX Ohio XXXX telephone XXXX. Did not sign or verbally authorize bank employee to do so. 

I would like to thank you in advance for your cooperation in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove Fraud Alert From Credit report!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I opened an account with coinbase.com. I transferred money into this account from my XXXX XXXX  savings account. I made 5 transfers from my XXXX account to coinbase on the following dates. XX/XX/XXXX, transaction 1 - {$9900.00}, transaction2 - {$150000.00}, XX/XX/XXXX, transaction3- {$17000.00}, XX/XX/XXXX transaction4 - {$9000.00} and finally XX/XX/2020 for {$25000.00}. Afterward their wait time, I transferred money to an offline account as I do not trust the security of online companies like this to hold my money. I completed all of coinbase 's verification steps to validate my identity with my Florida drivers license, an updated self photo and setup 2 factor authentication on my account. On XX/XX/XXXX, while attempting to transfer bitcoin to an offline wallet, I received an indication that my account is restricted. I filed a complaint with their support department, but the only response they  have given is that my account is not eligible for review until XX/XX/2020 and also stated that they can not elaborate on this decision. I have emailed them back and informed them this is unacceptable and to call me at the telephone number listed in my account but communication from coinbase has ceased and I have not received any other communications.
Product: Credit reporting

For the entire year of 2016, I have been working with the credit company to resolve several issues on my credit report. The main issue is a bankruptcy I requested proof of validation, the credit company did not answer my complaint or directly respond to verification of the bankruptcy. I wrote the U.S. Bankruptcy court in South Carolina asking for proof that the credit reporting agency contacted them to verify validity of the bankruptcy. I have attached a letter from the clerk of court saying they do not answer request for info or send it out to credit companies. Since the credit company failed to answer my complaint within the time alloted by law, I asked for it to be removed from my credit file and any other accounts that are listed as a part of the bankruptcy.I have several documents I have maintained throughout this process, they are to numerous to send by e-mail, but if requested, I will gladly mail you all copies.
Product: Checking or savings account

on XX/XX/XXXX -I have screenshots of transactions- simple dba bbva compass was notifed of a dispute w  XXXX  that the hotel kept giving me   XXXX   about and refused to refund the charge over. ( I had no issue w   XXXX   XXXX   XXXX   reversing a similar charge. ) two weeks have gone by and no money has been returned to me as per the visa agreement. now bank wants to close the account w my social security going into it. funds have not been reversed to me, nor was i given an eta on the funds reversal. I was  XXXX  w a 2 month wait. It doesnt take 2 mos to give money back to the consumer. usually its under a week. now I have to sue for  XXXX  because of this. I do not take cellular harassment about things discussed in writing, -electronically or otheriwse- in attempts to dodge legal responsibility very lightly. they were told not to call me and I have multiple calls from washington state. ( 205 ) ac.
 XXXX 
both companies are scam artists and factually provide no corporate escalations contact information. simple is out of  XXXX , not washington state, where they were headquartered.bbva compass bought them out. they harass customers, despite being told calls were not being taken. these are unlawful retaliations.
 XXXX 
banks that can not uphold visa agreements should not be on thier network. this is the second bank i have had   XXXX   with.   XXXX   is the first.
 XXXX 
I repeat my demand to the bank for payment-and deny them the right to close an account that social security benefits are going to. Should they continue to close the account wo permission, they will be sued for any missing  XXXX  payments.
Product: Checking or savings account

I was charged overdraft fees for funds that wasnt available to begin with. I also ran into problem where company was showing unsettled funds from XXXX payments received and then when money was spent I was charged overdraft fees
Product: Credit reporting or other personal consumer reports

I recently signed up for XXXX in XXXXXXXX XXXX XXXX. When I logged in I noticed inaccurate information on my credit report that I did not authorize or do for the items to be in my credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My rights are being violated by improper use of my consumer report. 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. 

( CREDITOR NAME ) 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!
Product: Credit reporting

i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.
Product: Credit card or prepaid card

I wasnt sure which options to choose. Long story short, I was in a XXXX XXXX on XX/XX/XXXX. I was in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My wife wasnt able to pay my XX/XX/XXXX payment on my Capital One card, due to not being an authorized user. My wallet/card was also lost during the wreck. Also, the wrong payment amount is showing on the credit report, and it didnt update. We will be moving in XXXX, and we are trying to do anything to fix our credit before then. Both issues are negatively affecting my credit report.
Product: Debt collection

was informed that my personal information was found on a dark website. I then received a email from a LVNV regarding a collections account from XXXXXXXX XXXX in the amount of {$510.00} I have no knowledge of this account and it I believe it was opened in another state, as I live in XXXX. I immediately put a freeze on my credit report to prevent further fraud to occur. I also submitted a dispute with XXXX. My personal information has but compromised and I need this company to remove this collection account from my credit report. There is no soft or hard inquiry on my credit report from this company when opening the account. I was advised by the credit report to seek help from the XXXX to help resolve this matter. Please help us consumers protect our personal information from scammers and prevent future fraud from happening. I have received threating emails and phone calls from this company demanding that I pay this debt, saying that this case would be forwarded to a attorney. PLEASE HELP Respectfully XXXX XXXX Information Regarding the Collection Account Number Ending : XXXX Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this morning, and I have no clue how they got there. I regularly check my credit report, and this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. This has left me deeply frustrated, and I urge you to carefully review the documents Ive provided so I wont have to deal with this issue again.
Product: Mortgage

Facing foreclosure after being given the run around for over a year I filed chapter XXXX to save home. Could n't afford the payment. Wells Fargo contacted me in XX/XX/XXXX for me to reapply for modification. Balance at time was {$69000.00}. After modification the balance was {$89000.00}. I purchased home in XX/XX/XXXX for {$79.00}. I know this is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Credit reporting

I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion.
Product: Credit reporting or other personal consumer reports

My credit report has incorrect information under 15 USC 1681c-2 due to unauthorized inquiries, which are harming my credit. I request the removal of all such inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute the inaccurate reporting of a charge-off account, XXXX XXXX Account XXXX XXXX, which is negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from both XXXX and Equifax, I discovered that the reported dates of last activity differ, with XXXX stating XX/XX/2020 and Equifax stating XX/XX/2020. Such conflicting information raises serious concerns about the accuracy and reliability of the reporting. Furthermore, I have reason to believe that the furnisher of this information, XXXX XXXX, is an unreliable source. Under 15 USC 1681 ( e ) ( b ) of the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in consumer reports. In addition, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information provided by a consumer reporting agency, the agency must promptly investigate the dispute and, if necessary, modify or delete the information accordingly.
Product: Credit card or prepaid card

Capital One continued to deny me a credit card. They approved my XXXX card but canceled my Platinum card after one use and never explained why it was canceled. Then, I was approved for another platinum account then I was sent a denial letter with no explanation. 

I want Capital One to honor my application and approval of the platinum card and return it to me with the high credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX   XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX/XXXX   XXXX {$770.00} XXXX XXXX XXXX {$5200.00}
Product: Credit card or prepaid card

Here is the last email i sent to TD Bank : URGENT : Please contact me ASAP to resolve this. I was charged a late fee of {$29.00} last month. The recurring payment was scheduled on time ; however, it did not go through on your end. I made the payment manually within hours of its due date and made the next month payment in advance in good faith. I just logged in to see if the {$29.00} fee was removed and see a new {$40.00} late fee was just charged to my account today .... My emails have not been answered. I will not pay any late fees for a banking error that was not my fault. Because TD is continuing to charge late fees to my account and not responding, I will stop all further payments to this account until the late fees are removed. Thank you
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OZX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Are all fraudulent accounts please remove at once.and all 32 fraudulent inquiries
Product: Mortgage

I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX   years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification which day we will will never give I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification. They will not consider me for a modification because they said it would raise my payment I have no income except for a small supplement I get each month for raising my grandchildren its {$700.00}. My husband lives on Social Security and he can only afford to pay his bills and nothing more I ask the bank if they would except {$500.00} payments because I am expecting all my backpay but they will not work with me. I also slide for Social Security XXXX which I had a hearing on XX/XX/XXXX I am currently waiting for the decision on that but I applied for that two years ago and theyre claiming that if I get approved I will get that back Pay. I am stuck in a rut at this time I have no way to make money because Im temporarily totally XXXX and I have been for the last two years I ran out of money in my savings is gone my brother was helping me but he passed away in late XXXX and I want to keep my home. I have a problem with XXXX  and XXXX at this time and I just dont know what to do I need help please will somebody please help me keep my home I have nowhere to go with my XXXX children and my dogs I just have nowhere to go. Ive been in this house for the last 20 something years and I plan on paying it off one day but I just need the payments to be suspended until all this money starts coming in can someone please help me my mortgage payment doesnt seem to want to help me I dont know what to do. Another document that I turned in they claim they never got to spending my payments in XXXX of last year but Id have to have proof that I signed it and I faxed it to them because they got it to me after or close to the deadline so I faxed it to them and they are claiming they did not get it although I have a copy of it please can you please help me get some relief from this I dont wan na lose my home.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, in light of CFPB lawsuit highlighting significant issues with the platform. I reported discrepancies multiple times but my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Debt collection

XXXX XXXX hasnt updated my account and continues to report this account not paid when I paid the amount through their debt collection agency Wakefield and associates on XX/XX/2022. They have yet to report to the credit bureaus that this account is settled.
Product: Credit reporting

I investigated XXXX XXXX XXXX XXXX credit card about 30 days ago. The item was removed from my credit report. As of today XXXX XXXX credit card is appearing on my report once again.
Product: Student loan

I am a XXXX year old XXXX and XXXX. I co- signed a student loan for my niece over 15 years ago. The XXXX has left me XXXX. I was a XXXX and therefore I have been unable to work. I am in a fixed income. I have sent multiple XXXX letters to Navient that I can no longer afford the {$300.00} payments for my niece. She has quit speaking to me years ago. I have paid the loan faithfully for over a decade. Navient keeps saying that they take my niece 's finances into account yet my niece does not pay the loan. They threaten and call me daily, often early in the morning a XXXX weekends.