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

My account with ( CREDITOR NAME ) 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. 

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, XXXX  XXXXEmail : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Charged-Off Status under FCRA To Whom It XXXX Concern, I am writing to formally request the removal of the charged-off status associated with my accounts listed below from my credit report. This request is being made in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate, complete, and verifiable. 
Accounts in Question : XXXX XXXXXXXX ( Account Number XXXX ) * Charged-Off Amount : {$6100.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. XXXX XXXXXXXX ( Account Number XXXX ) * Charged-Off Amount : {$4000.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX ) * Charged-Off Amount : {$12000.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX Reasons for Removal Request : 1. Inaccurate and Misleading Reporting : The payment history for each of these accounts displays multiple charge-offs ( CO ) reported for several consecutive months. According to the FCRA, a charge-off should be reported only once. Reporting multiple charge-offs for the same account is both misleading and inaccurate, potentially causing unjust harm to my creditworthiness. 
2. Inconsistent Payment History : The repeated entries of charge-offs and late payments post-charge-off date are contradictory and raise concerns about the accuracy and validity of the information being reported. 
3. Lack of Verification : As per Section 611 of the FCRA, if the information provider can not verify the accuracy of the information within 30 days, it must be promptly deleted from the credit report. I request a thorough investigation and verification of these entries. If the information can not be verified, I insist that the charged-off status be completely deleted from my report. 

Requested Actions : 1. Conduct a reinvestigation of these accounts and their reporting status. 
2. Permanently delete the charged-off status if the information can not be verified or if inaccuracies are confirmed. 
3. Provide me with updated copies of my credit report reflecting these changes. 
Please consider this letter as a formal dispute under the FCRA and initiate the investigation process immediately. I expect a response detailing the results of your investigation within 30 days. Should you need any further information, feel free to contact me at the phone number or email provided above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, XXXX  were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX  has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX  has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a XXXX per violations and further damage to me financially.
Product: Debt collection

I 'm receiving letters from ProCollect Inc. that I owe a bill to XXXX XXXX when I been with XXXX for 13 years. I talked to them and they still sending me bills please assist me in this matter.Their office is XXXXXXXX XXXX XXXX, TexasXXXX.Phone number XXXX Thank You, The bill has my name and address, but is not mine someone is using my name and address.I Protect my identity Theft with XXXX and XXXX And I know is not me I do n't know what else to do.
Product: Mortgage

U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. 

XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. 

This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19. 

Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report. 

I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so. 

Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers. 

Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.
Product: Credit card or prepaid card

I earned XXXX points using my Citi credit card. A week after i redeemed them Citi lowered my credit limit by {$270.00} and it effectively wiped out most of the points or {$340.00}. It, Citi, will make up a bogus reason on why they lowered my credit limit, but they did this so I couldn't get credit for all my points. I have never had a credit card company lower my credit limit, when I have never missed a payment. I'm very angry they have so little ethics they would do this. They are making a lot of money off me and others and this is pure greed and cheating me, the consumer, out of the points I earned according to its rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the XXXX is continuing to report one account from JPMCB CARD. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.
Product: Credit reporting or other personal consumer reports

Ambiguous Status Descriptions : The status description " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' is vague and does not provide clarity about whether the account has been resolved, transferred, or sold. 
XXXX also lists the status as " NotsatisfyingF20_TRADE, '' which is unclear and not in compliance with FCRA 's standards for clear and accurate reporting. 
Unclear Account Resolution : If the account has been transferred, sold, or otherwise resolved, this information must be accurately reflected across all credit bureaus. 
Credit Utilization Impact : The account lists credit utilization as " -- % '' without clear calculation. If the balance affects my credit utilization, the calculation must be accurately provided and uniform across all bureaus. 

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including balances, status, and remarks, across all credit bureaus. 
Provide a clear and accurate account status that reflects its resolution, whether it has been transferred, sold, or remains active. 
Remove ambiguous designations like " NotsatisfyingF20_TRADE '' and replace them with compliant and understandable descriptions. 
Clarify the credit utilization impact and ensure that it is reported accurately if this account contributes to my utilization ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing.

EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of XXXX XXXX  and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the XXXX of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's XXXX XXXX  Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have written a few letters asking for the incorrect items to be removed off of my credit report on XX/XX/24 and XX/XX/24 and they have yet to remove them nor respond to my letters.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

Dear Equifax XXXX Department, I am writing to formally dispute several accounts that have been fraudulently reported on my credit profile. My identity and personal information have been compromised, and I am requesting the immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my knowledge or consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681 Section 602 ( a ) My right to privacy and protection from inaccurate reporting of accounts that do not pertain to me.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my written consent. 
I have attached supporting documentation, including a personal statement regarding my identity theft situation, to assist with your review. 

Please investigate and remove these accounts from my credit report immediately. Thank you for your prompt attention to this matter. If further information is needed, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 instructions.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX  ACCT : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to Transunion, XXXX, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America pull my personal credit without my permission this was a business decision my social security number was not provided how and why would they pull my personal credit date of XX/XX/2023 XX/XX/XXXX
Product: Mortgage

Ihave asked in writing for a satement of account now over 45 days in arrears. I am providing a notice of error requs to compel the servicer to provide the detailed acconting needed to pay off he mortgage.
Product: Credit reporting

I settled an account with XXXX in 2015. I have disputed it 3 times with Equifax and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
Product: Debt collection

This year, when I filed my taxes for the XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, XXXX XXXX  was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XXXX  for a Victoria 's Secret credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.