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

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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: Checking or savings account

Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees.
Product: Student loan

On XX/XX/XXXX I received letter that my IDR was approved - this letter was postmarked XX/XX/XXXX and received by me on XX/XX/XXXX. The letter stated I would be receiving payment information under separate cover. I received NO PAYMENT INVOICE/BILLING until yesterday, XX/XX/XXXX ( postmarked XX/XX/XXXX ) now stating my bill was past due and a late fee had been applied and I owed 2 months payment On XX/XX/XXXX I received a call at XXXX XXXX  from phone number XXXX no caller identification with a voice mail from XXXX saying it was Navient about a past due bill and to call XXXX. 
At XXXX I called XXXX and told the person ( XXXX  ) that I was returning the call to XXXX XXXX XXXX  would not connect me with XXXX but instead wanted all my information. The first thing XXXX  wanted to do was put me in forbearance which I had not asked for or even discussed. I again asked XXXX  to transfer me to XXXX - which she did not do. I asked XXXX  why I was getting a call for a past due bill as I had never received an original invoice at my address. She also pressed me to obtain my email which I did not want to do, sign up with Navient online-which I did not want to do, take a payment over the phone ( I informed XXXX  that until I had a correct invoice indicating the amount due I could not make that payment ). 
I told XXXX  that I was not late due to Navient not sending me an invoice/bill in a timely manner. What seems to be happening is that NAVIENT is sending out invoices that the borrower receives AFTER the payment due date - which should be addressed by the CFPB. 
Finally, after trying to pry information from XXXX  - she came up with changing the payment date. I am requesting that a corrected invoice/bill be sent to me immediately in a timely manner to allow enough time to submit payment. I want any late charges documented as removed. 
That a borrower has to pry information out of NAVIENT is reprehensible instead of Navient offering different solutions that are a benefit to the borrower. 
I DO NOT WANT NAVIENT CONTACTING ME BY EMAIL.
Product: Credit reporting or other personal consumer reports

I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number 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. These accounts has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my credit file with someone tried to apply for credit
Product: Debt collection

I was notified by XXXX credit ( XX/XX/XXXX ) bureau of a collection a/c thru Penn Credit.Corp . for utilities with the XXXX of XXXX, Florida. 

I reside in New York and have never been to XXXX. In late XXXX, I was aware my identity had been stolen and used to obtain rental property in XXXX. Reports were filed in New York and Florida. An arrest was made and a trial is soon to begin in XXXX XXXX Florida. Defendant : XXXX XXXX Case No. XXXX. XXXX : XXXX
Product: Student loan

I took out 2 student loans with Salle Mae that were relatively low. About {$6000.00} for each. A few years later Salle Mae turned into Navient and they said I took out loans for XXXX each from Salle Mae. They did not have my correct address, or even the school I went to. Navient stated that they sold the loans to a collection Agency called XXXX XXXX but that company had " gave the loans back to Navient ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that Navient had closed the account. Now they are trying to collect XXXX from me. XXXX is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.
Product: Credit reporting

The XXXX XXXX charge off or sold to a collection agency was disputed and a whole bunch of paperwork was sent as proof to present my case that this was a WRONG reporting on behalf of XXXX XXXX. All I got back from TransUnion was a letter telling me to look at my file and my file is EXACTLY the same way. So, I requested PROOF and I wanted to see what XXXX XXXX had to say about this and in three days TransUnion sends me an email saying that they took a decision and to look again at my report and my report is EXACTLY the same. I told them to remove this due that it is not true that I was late on my LAST payment. Nothing has been done by TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX Is charging me for items that were returned and I need proof of the contract and proof those items were removed off my credit report Subject : Dispute of Charges for Returned Items and Request for Proof of Contract and Credit Report Update Dear XXXX Customer Support, I am writing to formally dispute charges on my XXXX account related to items that I have already returned. The details of the returned items are as follows : Item ( s ) Description : [ Describe the items, including product numbers or serial numbers if possible ] Date of Return : [ Insert the date you returned the items ] Return Method : [ In-store or via mail with tracking number ] Tracking Number/Return Receipt Number : [ If applicable, insert tracking information ] Despite returning these items, I have noticed that XXXX is still charging me for them. I request immediate action to resolve the following : Proof of Contract : Please provide me with a copy of the original contract or agreement that outlines the terms of purchase, return, and associated charges. 
Confirmation of Return and Removal of Charges : I request written confirmation that these items were received and that any related charges have been removed from my account. 
Update My Credit Report : I have noticed that these erroneous charges may have been reported to the credit bureaus, impacting my credit score. Please take immediate steps to correct this and ensure that these charges are removed from all three major credit bureaus ( Experian, XXXX, and XXXX ). 
I expect this issue to be resolved promptly. If these charges are not removed from my account and my credit report updated, I will be forced to escalate this matter by filing formal disputes with the credit bureaus and relevant consumer protection agencies. 

Please confirm receipt of this letter and provide a timeline for when the corrections will be made. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

For the past two months, there has been issues with the Walmart card purchases have made that I have not made or the statement is wrong. I went to Walmart twice in XXXX and I was charged twice for a purchase, I called and told customer service I did not make {$19.00}. Now I made another purchase for {$14.00} and now I am charged {$16.00} for a purchase I have not made. 

There is an issue with Walmart 's credit card charging me with purchases I have not made and it is time-consuming to call when there is an issue on a constant basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have not been reporting my XXXX XXXXXXXX account timely. The last reporting for my XXXXXXXX XXXX  credit card was on XX/XX/XXXX. As of XX/XX/XXXX, there is no XX/XX/XXXX update. The Credit Bureaus claim XXXXXXXX XXXX  has not provided them with an XXXX since XX/XX/XXXX. Does XXXXXXXX XXXX provide monthly updated account information to XXXX, XXXX and Equifax? If XXXXXXXX XXXX  has Provided account information since XX/XX/XXXX, I am requesting a copy of the AUD ( Automated Universal Data or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When accounts are not updated timely this has a negative effect on my credit score by the following : 1. No credit for a monthly payment 2. Provides a stale balance. Otherwise, I am requesting a copy of the AUD XXXX XXXX  provided to the credit bureau 's for XXXX, XXXX and XXXX of XXXX. 
Additionally, Equifax has routinely refused to respond to my complaints or request stating the identifying information I provided " Does not match their records '' which is a deliberate LIE. Meaning Equifax routinely OBSTRUCTS my ability to correct the reporting they provide to lenders. 
Emailing a copy of this complaint to XXXX XXXX XXXX ( CEO ), XXXX, XXXX XXXX Executive Assistant - XXXX XXXX equifax and other board members so they can not make a PLAUSIBLE DENIABILITY claim as 94 % of Americans believe board-members MUST be personally accountable and I have every intention going after them through the legal system.
Product: Mortgage

Since the pandemic started we've continued to request Mr. Cooper to lower payments and/or interest rates. We have remained in XXXX with no relief because if we can not afford the payment to the trustee, the filed of dismissal will then turn into foreclosure. Our attorney has not been able to assist, but did tell us Mr. Cooper refused to lower payments because we refused to accept a forbearance which would only place payments at the end of the loan. Our attorney advised against this. Afterwards Mr. Cooper has turn down every request made to them including lowering interest rate that gives them {$700.00} in payments, and only {$200.00} towards our principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full true and legal name in the United States is XXXX XXXX. It is the only name I have ever used when applying for credit or financial products which is the only thing my credit report should be used for. I have never applied for a financial product with an alternate name since that would be considered fraud unless it was a miskey by the loan officer or corporate representative. 

Experian is refusing to remove aliases I never provided from my credit report. My assumption is so that XXXX XXXX can continue to use my information to obtain housing and financial services using financial products that have a second market credit rating system. 

The names that Experian is refusing to remove from my report which I never provided are as follows : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Not only is this information inaccurate, it is insulting. 

In addition to the names which I never provided, Experian is refusing to delete addresses which do not belong to me and have been deleted from reports at other credit reporting agencies. 

Attached is a report from XXXX showing it has deleted the same addresses Experian is refusing to remove from my report. 

There are also three phone numbers on my Experian report that do not belong to me. 
Experian seems to put any information provided to them on their report, which some appears to have come from private investigators working on behalf of creditors who have violated Federal Law. 

One of the creditors is XXXX who I have filed several complaints against. At least one with CFPB. 

Experian is demanding that I contact the creditors to have my address updated and sent to them which I refuse to do, especially with XXXX as they have private loans that have fallen off my credit report and I do not want to " trigger an event '' that will cause the loans to come back on my credit report. 

In the case of one of the addresses which is a commercial address, Experian is claiming XXXX provided the address. I closed the account in XX/XX/XXXX and the first time I visited the address, which again is a commercial address, was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Transunion dispute department on XX/XX/XXXX ) @ XXXX XXXX XXXX XXXX ), about ( 3 ) hard inquiries on my credit file I did not authorize my personal info for no new credit acct. I was told by Transunion agent that " they don't handle hard inquiries dispute, not in their league to probe unauthorized hard inquires on patrons credit file. '' Hard inquiries listed not valid below. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 William 's and Fudge added a collection to my credit report in the amount of {$520.00} and I don't know why. My credit score dropped a lot because of this, almost 90 points. 
I have never heard of them before nor have ever been contacted by them either by phone or in writing. It says that I owe them {$520.00} and the school listed is XXXX XXXX XXXX College. I haven't been to that school in almost 5 years and don't remember owing them anything. I have students loans through XXXX but pay on those monthly and on time through Federal loans. It's unfair that William 's and Fudge added this derogatory mark to my credit report without even trying to contact me first. I don't believe I owe this money. I have a copy of my final billing statement with XXXX and it doesn't say I owe them anything. Since leaving college I still have the same phone number and mailing address which the college still has. Please help. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian When all bills are paid on time my score never increase twenty points and when late they decrease twenty points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Product: Credit reporting, credit repair services, or other personal consumer reports

still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +
Product: Mortgage

I have been working with the Dovenmuehle Loss draft department because of my house damage claim and have been misled, confused, and left in the dark by their service representatives. The details of my loan require my mortgage holder to endorse the insurance checks that cover the repairs for my house claim. From the beginning of my interaction with their Loss Draft department no one from Dovenmuehle provided me with a checklist or documentation outlining any procedures for releasing funds to pay for the repairs I did not even know they would hold back funds without documentation until I called and asked about the status of the checks. 

I have had to call over 10 times to get status updates regarding the processing of the claim. Almost every time I have called I received different requirements and information about what they need to release funds at times I have had to pay out of my own savings for repairs because the Dovenmuehle Loss Draft department was unable to release funds due to " missing '' documentation that was never disclosed. I have spoken with multiple individuals including a manager and received different messaging around what is required each time to release held funds and have received minimal correspondence from the department as a whole. I received a procedural document from them once that did not match up with what I was being told on the phone and my most recent conversation with a supervisor/manager revealed yet another procedure or hidden step to overcome for the release of the remaining funds.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE A RESULT OF THAT XXXX  PLEASE BLOCK THESE WITHIN FOUR BUSINESS DAYS PURSANT TO FCRA 605C. I AM A VICTIM OF DATA BREACH AND PREVIOUSLY IDENTITY THEFT. PLEASE SEND UPDATE TO MEAND cpfb
Product: Credit reporting or other personal consumer reports

I've asked this company to remove this account from credit before and they fail to do so. As a consumer they are violating my rights a consumer. I never signed a agreement with XXXX. Please provide wet signature where I signed an agreement with XXXX. I only signed an agreement with the apartment complex not XXXX. XXXX XXXX system is violating my rights as a consumer. Please send all Original Account -Level documentation ( OALD ) Also send when the account was bought and also send proof of title and ownership that National XXXX XXXX owns this account and how much they purchased this account. XXXX XXXX XXXX have 30 days to provide me with all the information I am requesting. After I receive the information I am requesting I will be going to XXXX XXXX courts. I never signed an agreement with XXXX at all. 15 USC 1681 states written permission has to be given for an account to report on an individual credit report. I did not give written consent for XXXX XXXX to report anything on my credit file. Please remove account immediately.