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

My account with 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 XXXX, XXXX, XXXX, XXXX, AND XXXX 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  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

LoanMe has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX through Cash App is a mobile payment service developed by Square, Inc., someone took {$500.00} from my XXXX XXXX and deposited in my cash app account then they turned those XXXX into XXXX and then they took another XXXX turned that into XXXX then they deposited a total of XXXX into someone's XXXX XXXX  account I did not do or authorize these transactions I have made a incident report with XXXX police department incident number XXXX i have also contacted through email cash app support as well as the ceo XXXX XXXX at XXXX XXXX
Product: Debt collection

I have no idea who either one of the agencies are that I supposedly have this debt with. I dont not ever recall being at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not solved this issue in the time set. They were to properly investigate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not received any results
Product: Credit reporting, credit repair services, or other personal consumer reports

Three accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.
Product: Checking or savings account

I have a personal account and a Business Account and I can't get access to either one. I have been trying for way over 6 months. I just want my money and they can close both accounts.
Product: Credit card or prepaid card

On XX/XX/2022, I Purchased a pre-paid vacation tour for {$1900.00} with a company called we are XXXX. In XX/XX/2022 this company ( we are XXXX ) closed down and did not refund the money. I never received the service for my XXXX XXXX XXXX requested a dispute with the Bank of America because of the fraud. Bank of America will not refund the money and pursue the company who created the fraud. I would like the Bank of America to refund my credit card {$1900.00}, as the service I purchased was not delivered. 
Thank you.
Product: Credit card or prepaid card

On or about XX/XX/2022, I applied for a credit account with Synchrony XXXX and I was denied credit on or about this date per the salesperson at XXXX XXXX. 

I immediately contacted Synchrony Bank to understand the basis for their decision and I was informed that they were unable to confirm my identity and that I should go to the website : verifyy.syf.com. I also informed them at that time that I am a current cardholder with their company and that I already have two accounts with them ( one closed and one open ) and that I have an impeccable payment history with their company. After several tries to upload my id in their system, the system timed out and would not accept the picture of my id and closed out without giving me another opportunity to upload the id. I contacted Synchrony Bank again ( on the same day ) to inform them that I needed to get back into the system to upload the back of my id and I was informed by the credit department that my application had already been decisioned and that it was denied. 

Please note that I have an impecable credit history and sustainable income to qualify for the purchase. As a matter of fact, I ended up paying for the merchandise out of pocket instead. 

Synchrony followed up with a letter informing me of the denial because ( in their words ) " we were unable to confirm your identity with enough confidence to approve your application at this time. '' The denial was in no way credit related and now I have a credit pull on my credit report that I am unable to remove in addition to not being able to open an account for an eroneous reason ( lack of identifiation ) when I clearly have two accounts with this company. 

I am writing to CFPB because failure of the creditor to adequately identify an applicant who has open accounts with the subject company is failure of the creditor 's ability to adequtely process applications and causing harm to individuals by denying credit not based on creditworthiness. Attached is a copy of the letter that I received from Synchrony outlining the denial based on identity and not credit. Please note that my home address and phone number have been the same for over 15 years and there is no way that my identify could not have been known with consistent information and 2 accounts with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is charge off account from XXXX XXXX that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.
Product: Credit reporting or other personal consumer reports

These bureaus has over XXXX hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible
Product: Student loan

I consolidated my loans with Fed Loan Servicing back in 2012. The way they handled payments while my loan is in deferment is deceptive and unfair. I made a large principal payment to my loan and specifically requested the payment go to my unsubsidized loan, as I am in deferment and my subsidized loan is not accruing interest. Instead of Fed Loan honoring my request, they ignored it. I made the payment on XX/XX/XXXX. I emailed and called, and after much persistence they finally reapplied my payment on XX/XX/XXXX. Since I am knowledgeable about how loans work and how accrued interest is charged, I understand how deceptive this company is. Many others who have student loans do not know this nuances, and Fed Loan Servicing goes out of its way to scam unsuspecting college students. If a student is in deferment, all payments should go to the unsubsidized loan. They would have to refund consumers millions, so I know that no change will occur, and the CFPB will do nothing to help people who actually need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I opt out and it seems Transunion does not have me opt out as requested several times over and over.
Product: Credit card or prepaid card

I enrolled in auto pay online and it said it was successful. Then i had received a late payment from XXXX XXXX. I tried to resolve issue with them on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation to the recent inquiries on my credit report. The details of the inquires are outlined on a separate document that is provided.
Product: Payday loan, title loan, or personal loan

I originally took out this loan with an XXXX company to get a new AC unit installed and was going to use the leftover cash if my loan was accepted for some other fixing needed. My loan applicatoin was approved and we went through with the new AC install, a few days later I was inquiring about the loan process, how I would pay it, how I would received the excess and what not. After talking directly to the AC company they told me to wait and speak with the finance company because there was nothing they could do, they receieved a certain amount and that was it, they did not receive anything else. Upon further inquiry, I learned that they received {$6100.00} from the finance company, when my loan from the finance company was {$7500.00} ( which is roughly 80 % of the total amount I was told I would get ) At this point I called the finance company and they denied all of this and played dumb and when I discussed that I knew of the amount that was paid and the amount that was still missing all they exclaimed was that 'I should not know that number ' which indicates/suggests that they know what they did and they just have not been caught before, after their refusal to make things right I decided to come here and report their company, All I wanted was my money, now it may become something bigger. The finance comapny is called Foundation Finance Company, based out of XXXX, WI XXXX.
Product: Debt collection

XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT
Product: Credit reporting or other personal consumer reports

Dear Equifax, I looked at my credit report back on XX/XX/year>, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/year> and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Consumer Loan

On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XXXX/XXXX/16. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XXXX/XXXX/16, they mailed the invoice on XXXX/XXXX/16. I paid my bill by automatic payment on XXXX/XXXX/16. Because it arrived before they mailed the invoice, they did not credit it to the XXXX/XXXX/16 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XXXX/XXXX/16 ( the day the XXXX invoice was due, and was paid in full ) and XXXX/XXXX/16 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. SEE CFPB Case number : XXXX from last month. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries. 

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives. 

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results. 

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

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

The following accounts currently listed and showing on my XXXX and Experian credit report are lost/stolen credit cards : XXXX, {$530.00} and XXXX XXXX XXXX, {$370.00} XXXX
Product: Mortgage

Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay. 

Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks. 

So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. 


Best, XXXX.
Product: Checking or savings account

Navy Federal Credit Union took over {$500.00} from my checking account on XXXX XXXX XXXX to repay a " credit '' for an account that was already in collections and was not authorized to be taken. I never recieved notice from nfcu about the matter. NFCU was also sued for this same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( Experian, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a XXXX to confirm your authority to act? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against XXXX and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, authorized rep/agent/living beneficiary/grantor all rights reclaimed and reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act 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.. 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.