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

My account with ALLY FINANCIAL ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXXl 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, XXXX, 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

I have sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership. 

Thanks.
Product: Vehicle loan or lease

Company failed to verify correct account information while setting up several payments over the phone. US Bank app was updated with correct account information for withdrawals. Consumer had correct information for making payments. Payments made successfully through the app multiple times. Consumer was never made aware that information on the app is not shared with the actual bank it does business with. US Bank 's failure to verify account information made this account go thirty days past due. This was no fault of the consumer.
Product: Debt collection

On XX/XX/2020, the sheriffs department presented me with a letter stating my wages were being garnished due to an unpaid debt. I had no idea that I had been sued by this law firm, Scott and Associates in XXXX, Al. Also, I was not provided either ability to defend the suit in small claims court because I was never presented with such paperwork.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries and have not authorized and I do not recognize the charges. 
I want them deleted and I want to add a credit freeze to my account to protect me moving forward. I have attached the notice with directions and a list of the name of the inquieries that are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report result on XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, On XX/XX/2021, XXXX XXXX XXXX  and I went to Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX. My mother and I went to add me on her accounts as Joint Owner, due to her health and age. We were seen by NFCU Account Manager : XXXX, who was extremely unprofessional and unknowledable of NFCU protocols and processes. We informed XXXX of our matter of wanting to adding me on my mother 's account as a Joint Owner, which she continued to do. After my mother and I left her cubicle, we proceeded to walk over to bank teller to initiate my mom 's new Debit Card Pin number. 

As my mother and I proceed to walk out to my vehicle, NFCU Account Manager : XXXX chases us to my vehicle along with XXXX " Sarcastically Stating '' that, NFCU can not add me on my mother 's accounts as a Joint Owner, which I currently possess a savings account for 30 years and my mother, i.e., XXXX XXXX XXXX  who possess a checking and savings account for 50 years. XXXX says she wasn't going to processes the documents, which she ( initially sign before hand ). My mother and I went to the aforementioned NFCU location one week prior to XX/XX/2021 and sat down with NFCU Account Manager : XXXX, who we initially wanted to add me on as a Joint Account Owner. Before my mother and I proceeded to sit down with XXXX, on XX/XX/2021. 
XXXX goes over to XXXX and whispers to her, to pretty much XXXX XXXX of not allowing my mom and I to process adding me on as a Joint Member of my mom 's checking and savings accounts. XXXX was snickering and aggravating the situation above. I'm not sure why XXXX is so adamant about me " Not '' being added on my mother 's accounts at NFCU, which is a " Very Unprofessional '' and " Awful '' and " Uncharacteristic '' of NFCU employees. This has been a " Unacceptable '' experience for my mother and I. 

I have never ever experienced this type of customer service before. I hope that someone from the CFPB can assist us with this " Discrimination '' and " Unlawfully '' Misuse of authority. 

I would like to request that Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX, to " Repreminded '' NFCU Account Managers : XXXX and XXXX for their Unprofessionalism, with " Taunting Me '' i.e., following me out to my vehicle and Publically Embarassing me in front of other NFCU customers. 

This is Unlawfully, Discrimination, and abuse and misuse of authority by XXXX and XXXX having the authority to stopping the processing of My mom 's " Wishes '' to add me on to her checking and saving accounts, due to her " Deteriorating Health ''. I hope CFPB can assist my mother and I in representing us on this Unlawful Practice and Discrimination of NFCU aforementioned employees. 

Thank You, XXXX XXXX XXXX XXXX ( Email ) XXXX ( Mobile ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX XXXXXXXX has been paid in full and closed since XX/XX/2023 - {$5900.00} XXXX Account XXXX XXXX has been paid in full and closed since XX/XX/2023 - {$17000.00} These accounts have both been paid since XX/XX/2023 and Equifax REFUSES to report the correct information. 
This is a fraudulent practice performed by Equifax
Product: Debt collection

I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting the account with CB/Vicscrt inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Product: Vehicle loan or lease

XX/XX/XXXX : called Toyota to do a voluntary repossession since I could no longer make payments due to losing my job. They had the repo man to set up and time and place that afternoon to meet to pick up the vehicle. When he picked it up he just asked for the keys and that 's all. 

XX/XX/XXXX : they posted on my credit report stating I owed them {$14000.00}. I never received anything by mail what they would do with the vehicle once it 's gone, if I wanted to purchase the car back and when the vehicle sold what the deficiency amount would be after telling me where/when the auction would take place. 

XX/XX/XXXX : I called Toyota to get my account number and the customer service lady did not even know that the vehicle had been repossessed or I owed anything, I was trying to figure out why I never received any correspondence from Toyota and still have yet to receive anything.
Product: Credit reporting or other personal consumer reports

i sent XXXX, XXXX and transunion a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do
Product: Credit reporting or other personal consumer reports

I received information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that my personal information has been exposed, Shortly after I received alert of credit inquires, I did not apply for and my XXXX  XXXX XXXX debit card and account has been hacked several times. I have sent multiple dispute letters to the credit bureaus but I was advised I need to file a formal complaint. 

Below are the inquiries I would like removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360000.00}.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage company had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to freeze my credit with all agencies, after the Equifax leak. I am unable to get the webpages to load for any of the credit reporting agencies, and the phone numbers are also keeping me on hold for far too long. 

I do not believe I should have to pay or spend hours of my time to protect my identity when the company that was supposed to do that failed at one of their core responsibilities.
Product: Prepaid card

XX/XX/24 - Received AMEX gift card for {$800.00} XX/XX/24- attempted to use new gift card on XXXX.com and XXXX for amounts less than {$100.00}. Both were declined, even though I followed their online steps for making purchases online XX/XX/24 - retried using the card on XXXX. received another " payment declined '' email from them XX/XX/24 - I called to confirm that the card was activated, and it was, with a balance of {$790.00}. Attempted to use the card on XXXX again. It was declined. Called Amex customer support and they told me that the card wasn't working because it was an anonymous card. I told them that the website says, " Your American Express XXXX Card may be used at US merchants that accept American Express XXXX. '' They didn't acknowledge this. When I asked if I could just get the money from the card, they said it would take XXXX or more weeks to resolve the issue, and the money on the card would go back to the XXXX  who had originally given me the gift card. I would have to provide my ID and the original receipt of the purchase in order to do so. I told them I can't be sure that the person who bought the card for me would still have the receipt.
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong to me.
Product: Debt collection

Company has called and harassed me for years. I never knew it was on my credit until I went to get a Mortgage Loan. I told them it was not my apartment and I submitted my lease addresses from XXXX to show I lived somewhere else. I also sent my driver 's license to show my home addresses. They said the signature matched on the application for apartment and NO ONE ever lived in apartment, but there was a lease signed in my name, so they put on my credit. I would like to reiterate that no one lived in apartment and my wallet was stolen of course they can recreate my signature. They refuse to remove it and they offered me a settlement of {$3000.00}. Them offering me a settlement proves that this is not my debt and they just want money and they are taking advantage of the fact that I need to get this off my credit. Every time I talk to someone they are rude, they talk over me and do n't listen. This is not the only thing that was done to my credit, someone got another apartment in my name and filed taxes under my name and social. I have filed police reports and provided document. This should come off my report because this is not my debt.
Product: Debt collection

I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions