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

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax will not send me my credit report, as promised in XXXX of 2019. I re-requested my free credit report last week and Equifax will still not send it to me. I may have inherited a large sum of money and I need to see my Equifax report to see where the bank account is located.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to attachment for more detail. 

Sun, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX wrote to Executive Escalations XXXX : Good morning your free annual credit report requested XX/XX/18, dated XX/XX/18 was received by ordinary mail yesterday. Your failure to provide the required PIN, receipt delayed for more than 1 year remains dangerous and injurious to gainful employment. As related to the PIN please review and respectfully respond to the attached PIN audio request. 



The XX/XX/18 credit report contains 37 errors. These 37 errors will be shortly addressed for resolution to you. 



Please also find the 2 attached audio recordings of XXXX XXXX employees. Based on this and related referenced fact please confirm by return email TransUnion decision to cease reporting XXXX 's fraud as adverse. Should there be any question of these 2 recordings the XXXX confirming phone bill records are : Thank you for your immediate PIN by return email and your confirmed removal of the adverse XXXX account by return email.
Product: Credit reporting or other personal consumer reports

Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX  XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called True Accord which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Product: Student loan

When attending school, the financial aid department applied for a student loan each semester. This has caused me to have 12 separate student loans with XXXX XXXX XXXX XXXX. When I make a payment to Navient, I make one single payment, also when I check my loan balance, I receive one balance. However, I missed one payment in XX/XX/2016 and it shows 12 separate missed payments on my credit report due to the way that the schools financial aid and loan company have set up my student loan. This is now causing me a lot of issues and hardship when trying to purchase a home or even find a rental home. I feel that this way of reporting is unfair. I did not miss 12 separate payments as it appears on my credit report, I missed one single payment. I have contacted Navient and the informed me that " this is just the way that we report to the credit bureaus and there is nothing we can do about it ''. I am seeking assistance getting this resolved. I feel that if I file a dispute, the loan company will just send proof of the 12 separate loans to the crediting company and my dispute will be thrown out. 

Any help will be greatly appreciated. Thank you.
Product: Debt collection

I received a demand letter from XXXX XXXX XXXX XXXX XXXX regarding old credit card debt with Wells Fargo in the amount of {$6000.00}, which indicated that I had been repeatedly advised about this debt and had failed to respond and comply. This is not true, as this is the first contact I'd had with XXXX & XXXX. In addition, the letter stated that I would be sued if I didn't remit payment and/or contact their office by XX/XX/19. Today, on XX/XX/19, I called XXXX & XXXX and spoke with the senior paralegal, XXXX XXXX, ID # XXXX, about the referenced account. I explained to him that the debt was too old to pursue ( over 7 years ) and that Wells Fargo had told me that they couldn't even pull up the old account. It doesn't even show on any of my credit reports, which were checked one day ago. He immediately became aggressively loud and verbally hostile with me. He continued to interrupt and talk over me, and when I calmly called him out on it, he became even more obnoxious! I simply told him not to contact me again, or I would sue them. I then hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Discover three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) that I disputed an account ( Account number XXXX, Charge-off Balance {$15000.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit report of the Discover account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Discover.
Product: Money transfer, virtual currency, or money service

I ordered a XXXX XXXX XXXX via internet on XX/XX/2020 at XXXX XXXX   XXXXXXXX XXXX XXXX  for {$61.00}, order # XXXX, and paid through Pay Pal. The company advertises that it is XXXX Owned and Operated and facilitates shipping from NY and LA. On XX/XX/2020 my package arrived tracking service : XXXX XXXX XXXX XXXX   XXXX NOT from the USA as advertised, but from XXXX XXXX I was supposed to receive a XXXX, steel drum measuring 40cm x 40cm x 18cm, wrapped in hand-woven rattan as pictured and including all accessories listed. Instead, I received a tiny steel drum that measured 15.24 cm x 15.24 cm x 10.16 cm, NOT wrapped in hand-woven rattan, and missing accessories. I opened a dispute with Pay Pal on XX/XX/2020, Case ID : XXXX Transaction ID : XXXX. I explained I did not receive the item I purchased. They contacted the seller ( now using the name XXXX  ) and the seller said that if I returned the wrong item to XXXX, they would offer a refund. I complained to Pay Pal that XXXX XXXX did not send me what I ordered and the seller needed to send me a pre-paid return label so that I may return their wrong item back to them. Pay Pal said that even though it was that companys error, I had to pay for return shipping and return it to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I went to the post office to get an estimate and was told it would cost {$58.00} to return the package. I contacted Pay Pal back and reiterated again that I did not make the error and could not afford a return shipping cost of {$58.00} for an item I did not order. They told me that if I didnt return it, they would close my case and deny my dispute. Today, XX/XX/2020 they closed my case and denied my dispute. 
XXXX is clearly a fraudulent company. They are falsely advertising that they are a USA Owned and Operated company. They purposely send out low value items, in place of the original purchased XXXX. Then, duped customers must spend huge sums to return these unordered items. Pay Pal is facilitating this scam through their unfair return policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse Item of information, other then records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
Equifax send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. Equifax is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Product: Debt collection

My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.
Product: Debt collection

On XX/XX/XXXX and XXXX at approximately XXXX XXXX, Convergent Outsourcing in XXXX, Michigan called me. I don't answer my phone if I don't recognize the number and of course, I didn't recognize the number and they did not leave a message because I blocked the number. I did a XXXX search and that's how I found out that Convergent is a debt collection agency which for the record, I do not owe anything to anybody so it's either a scam to try to get money from me or it's the wrong number. 
I do, however have my phone service through XXXX and again, I did a XXXX search with Convergent and XXXX and found out that they teamed up and could be trying to scam people into claiming that they have an outstanding debt from XXXX and they don't, well I don't anyway. So with all that being said, they need to quit calling me and harassing me.
Product: Credit reporting or other personal consumer reports

I recently noticed on my consumer report that there are some incomplete and inaccurate accounts/collections on my consumer report. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it should follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the collection agency has not provided validated information but placed ( illegally ) collections on said consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Robinhood has stolen {$50000.00} from me, and is denying me access to an additional {$65000.00} in existing funds. and there is no way to communicate with them. Their phone numbers only play a recording, and they do not respond to emails. I have sent over 15 messages via email with no response. On or about XX/XX/21 I received a notification that a recent transfer XXXX deposit into my Robinhood account ) was reversed and my account was put into a restricted state where I can not trade. I was asked to submit photo identification through their Robinhood app, which I immediately did. I currently have a balance of {$65000.00} in my Robinhood account. All of these funds were fully cleared and no part of this balance was provisionally credited or pending. I recently made 3 transfers into my Robinhood account from my linked bank account. 

Transfer 1 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account and posted to my Robinhood account Transfer 2 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account this but was NOT CREDITED to my Robinhood account. They falsely state that this transfer was reversed. However, the funds were in fact taken from my bank account, which I also confirmed with my bank. 

Transfer 3 - initiated XX/XX/21 - {$40000.00} - this transfer was NOT taken from my linked bank account. The funds were available in my bank account, but for reasons unknown the transfer was never initiated/withdrawn. I have submitted this transfer again on XX/XX/21. 

Transfer 4 - initiated XX/XX/21 - {$40000.00} - this transfer was successfully debited/withdrawn from my bank account but is still shown as pending on Robinhood and not credited to my account. 

I am unable to contact Robinhood in any way for several days now. Their phone numbers only go to a recorded message and do not allow voicemails. Their app has a contact form which I used several times to send messages regarding this issue, but no response is ever given. I have sent over 10 other emails and replied to automated responses sent to me ( the emails sent to me state that you can reply to the emails ) and also have not received any response. I have been contacting Robinhood via email constantly since XX/XX/21. My Robinhood account number is included in the full complaint attached. I have also attached proof from my bank that the funds were withdrawn as stated in this complaint.
Product: Credit reporting or other personal consumer reports

XXXX  account XXXX XXXX    I think not mine. DIDNT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights Under 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 furnishing 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 and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from Mercedes Benz in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  XXXX    XXXX     XXXX  - Account #  XXXX  ''
Product: Credit card or prepaid card

I was supposed to get cash rewards for credit card points. I clicked an option to collect my cash rewards and signed up to have them transfered to my checking account. I was told it would take 7-10 business days. After a month, I still never received the reward. I called and they told me there was a system error and they are manually giving out the rewards. I never received an email, letter, or phone call about this. However, if I was late to make a payment they would not hesitate to charge me a late fee. However, they make me wait over a month to redeem my rewards and then dont even tell me about the system error.
Product: Credit card

Capital One I'm currently incarcerated within the Florida Department of Corrections. I've been under their custody and control since XX/XX/XXXX XXXX I'm a victim of identity theft. Capital One accounts ending in XXXX, XXXX, XXXX and XXXX were established utilizing my personal identifiers without my consent or authorization. I did not process any application, enter into any agreement with capital one or authorization anyone else to do so. Capital One also took approx {$3500.00} from my personal checking account without my authorization. as a remedy I seek : 1. ) Reimbursement of all funds taken from my XXXX XXXX Account 2. ) All of the Capital One Accounts and Inquiries removed from my credit report promptly 3. ) All negative information regarding my personal information is removed from Capital One 's systems.

I can be reached at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00}
Product: Debt collection

My credit was ran to purchase a home and I found out something in the amount of {$400.00} was sent to collections to a company called Berlin Wheeler. I have never been contacted by this company or advised of this debt. However now may not get my loan due to this XXXX issue I was never informed of. I did receive what I took as a fraud call in XXXX of 2015 from a male with an XXXX accent stating they were from the federal government. The message stated if I did not pay them a past due amount over the phone within XXXX hours I would have a warrant for my arrest. I called the number back and spoke with another XXXX accent male, I told him I was contacting the FBI with the number and he hung up. I tried calling back and the number was disconnected. I thought nothing else of it.
Product: Mortgage

Ok, this goes back to XXXX before and after. We bought our house in XXXX and then Wells Fargo had bought the mortgage quite a few years afterwards. My name was on the deed but we refinanced around XXXX and I was not included on the mortgage because I was at home raising children and not income producing. I became sick in XXXX and my husband and I separated in XXXX. Around XXXX I tried to qualify for the Home Loan Modification Program through the current mortgage company, Wells Fargo. They would say I qualified, then 3 months later said I didn't. This went on for TWO years. They would go back and forth until I was financially drained. I finally got my local XXXX XXXX XXXX involved and eventually we filed an official complaint with the U.S. Department of Treasury. I was given the number by Wells Fargo to the President 's personal assistant, XXXX and told to only deal with him. I still have his number if needed. They finally decided to deny me because they would not recognize the fact the house had been given to me in the divorce but I wasn't on the mortgage. But remember, I was still on the deed. Eventually I could no longer afford it and had to stop making payments on it. Then I got the Foreclosure letter. My ex-husband had to file some sort of abandonment document through the court system because they kept coming after him. Ridiculous. I would still have that house if Wells Fargo would have made right on their promise to do the Home Loan Modification. I lost everything because of Wells Fargo and they haven't bothered to reach out to me with this Class Action Lawsuit. I'm sure they remember me after the Dept. of Treasury incident. I have saved all the files with dates, loan numbers, documentation of phone calls made to them, etc. They are up in the attic and I will get someone to help me retrieve them if you can help me. Let me know if I can provide you with anything else concerning this. My name is XXXX XXXX XXXX XXXX and my ex-husband 's name is XXXX XXXX XXXX. The physical address was XXXX XXXX XXXX, XXXX, Alabama XXXX, XXXX XXXX. This situation caused me extreme financial and mental harm to me AND my children. Also as of XXXX, I was deemed XXXX so this entire situation was devastating. My email is XXXX and my phone number is ( XXXX ) XXXX. Thank you