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

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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


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

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


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


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


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

15 U.S.C. 1681b - Permissible purposes of consumer reports I received my credit report & contacted the data furnisher listed informing them their were inquiries in my profile which were not authorized or done with permissible purpose. They ignored my concern with a generic response stating inquiries remain on your credit report for XXXX years The Fair Credit Reporting Act ( FCRA ) regulates consumer reports, including credit reports. Among the many prohibitions contained in the FCRA is the requirement that people using, accessing, or obtaining your credit report have a permissible purpose in doing so. 

Since their was no permissible purpose my credit profile has occurred damages Some of the damages suffered is too many credit inquiries on my credit report. Being denied credit applications or worse finance terms when borrowing money. Second, impermissible credit report access is a breach of privacy. A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. 
Most importantly, lax protections against unauthorized access and sub-par security of obtained credit reports make consumers more susceptible to identity theft and data breaches. 
After theXXXX  data breach, you think Data furnishers would be more vigilant than ever about protecting consumers financial information. Those unauthorized credit inquiries are more than mere annoyance. They lead to serious financial ruin. 
The FCRA provides consumers whose credit reports have been impermissibly accessed with remedies. 
Their Negligent actions can lead to the collection of actual damages plus attorneys fees and costs. As well as me being able to prove they willfully violated my rights as a consumer and seek statutory damages of up to XXXX and punitive damage XXXX  XX/XX/21 XXXX Cards XXXX XX/XX/21 Experian Business Credit XX/XX/21 XXXX XXXX XX/XX/21
Product: Checking or savings account

Opened a Bank of America Account and Deposited a {$100000.00} check ( from a trust ) in-person at the bank ( Bank of America ) - ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I was told the check would clear fast due to being in person, among other reasons. 

XXXX days pass and the check cleared, I moved {$25000.00} to my checking and took {$2500.00} from checking and moved it to the XXXX investing portion of the bank of america app and invested it in XXXX XXXX. 

The next day my account is in the negative on savings as it appears the check went back into hold status. The {$22000.00} and {$2500.00} were untouched and the account appeared as follows NEGATIVE- {$25000.00} Overall Checking - {$22000.00} XXXX - {$2500.00} After XXXX XXXX XXXX XXXX my friend whom I owe money to asked if the check cleared yet and if he could get some of the money I owe him back. 
I send {$500.00} via XXXX to see if XXXX works as I don't know their limits or whatnot. 
After a day the payment was declined so I contacted the bank via chat representative on the app asking why the payment was declined. 

After I assured the online rep there is no more trusted person than the person I am sending it too, that I owe him about {$4000.00} and would be paying him throughout the week via XXXX ; and when I tried again it worked ; sent {$500.00} to XXXXXXXX XXXX  XXXX XXXX ; who lives within XXXX miles from my house mind you and has the same bank. 

The following day I sent out {$1500.00} to the same person ; XXXX XXXX, XXXX, and it worked and bought doordash later that day. 
Little did I know that this would be the start of series of long hold times on phone with a brick wall known as Bank of America, who assured me every time ( 4 times ) I was in great hands and would deal with the problems. After the second time of them saying " Call back in XXXX hours '' with XXXX assurance it would actually be XXXX  % solved I decided this complaint was justified. 

I am not a XXXX XXXX XXXX woman, I am not being scammed ; I was trying to repay a friend. 
I plan on traveling this year and the next, and upon research this is quite common problem with Bank of America and I have a fear of my cards being frozen for another week and being stranded in the middle of nowhere.
Product: Credit reporting 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. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them XXXX  times of how they are violating 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I XXXX XXXX XXXX paid off the balance on that account even though it was a fraudulent account opened under my name. I request that you cease and desist any contact method regarding this account. Additionally, if you attempt in sending this to my credit bureau report and I suggest that you dont since I have proof of the payments submitted and account balance is {$0.00}. Thank you in advance and I hope we can resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent reporting on my credit report that were not authorized by me. Please remove it immediately
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX XXXX XXXX account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/22 I contacted XXXX and trans Unio in regards to in authorized inquires on my account Ive mailed the information request and these inquiries are still being reported and showing on my report. 

I have attached the inquires the highlighted ones are accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my credit report : BANK OF AMERICA - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to place a security freeze on my report with Experian online. I received an error message after I inputted my information. It told me to mail copies of documents and my personal information to a PO box .
Product: Credit reporting or other personal consumer reports

List of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, OH XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED ADDRESSES
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and Transunion showing " previous '' with 30 days past due and then " current '' showing it removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint against, UPGRADE, LLC, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, for notice of dishonor, violations of Truth In Lending Act, Fair Debt Collections Act, securities fraud, and Fair Credit Reporting Act. I obtained a loan through UPGRADE, LLC, dating XX/XX/2022, of {$12000.00}. A promissory note was signed electronically and submitted. Payments of {$410.00} were electronically debited from my account monthly. After conducting some research on the company and the bank listed on the promissory note, XXXX XXXX XXXX I found their Prospectus Summary and UPGRADES, LLC Asset Backed Securities form, with the securitizer named on the documents, I realized that my credit application and floating rate notes, tendered and electronically transferred into the account, was converted into receivables and sold to investors on the secondary market as stocks, and beneficial interests, the form of dividends, payments, and interests transferred to the investors and to Bank, of which these credits are derived from my Trust and my account. This constitutes as securities fraud to dishonor and not render the securities and the profits from the selling and trading and reassignment of my promissory note and floating rate notes for setoff and discharge, with satisfaction of the obligation. I was given valuable consideration and there was acceptance of my presentment, with credits to the account, and reported as paid and closed. There have been several presentments sent to the company, of which they have kept them all ( see exhibits and proof ). When UPGRADE, changed and misreported my balances, I spoke with them about the promissory note, and asked who is the Holder in Due course of the note. I even asked for copies of billing statements, and their XXXX. They have refused to send me any documents, to include billing statements, promissory notes, stating there was never a promissory note and billing statements are not legal. They have only sent a payoff letter, which doesnt reflect any of the true balances. The login for my account, also doesnt reflect any of the history of the payments and credits to the account, it gives an error message. I have attached exhibits of the payments and credits to the account, along with proof of the credit of XXXX tender of payment, pursuant to XXXX. XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX XXXX XXXX ], certified securities sent in certificated form. They have recently incorrectly reported my account 120 days past due, with an incorrect balance due on the account, after refusing to work with me and send me the legal documentations required by law. In addition, they have committed fraud by transferring, reassigning, selling, and trading the securities on the secondary market
Product: Debt collection

I had requested from Credit management Company to provide me with legal validation on the alleged claims that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with Credit management Company. I made this request in writing sent via certified mail return receipt to Credit management. to this date I have received no response from the company only that XXXX states they have verified the debt. I had request from XXXX the information the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed these account to which I have no account numbers for only a dollar amount of XXXX and XXXX with all three of the CRA XXXX and XXXX  have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX   credit file.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over XXXX XXXX due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act 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 instructions.

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

15 U.S.C. 16815-2 ( A ) ( 1 ) 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.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.