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

My accounts with XXXX XXXX XXXX XXXX AND XXXXwas never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I was looking for housing and I came across this apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed an application, but it took them over 3 weeks to find me an apartment. I told them I could wait any longer and school was about to begin. I told them not to worry about it and went somewhere else and rented an apartment. After I signed the lease at the other apartment complex, they called me and said they had an apartment ready for me, I told the manager at XXXX XXXX I already have an apartment, and she responded that she was going to report me to the credit bureaus.

I never signed a rental contract, nor did they assign an apartment or give me access or a key to an apartment in that complex. XXXX XXXX XXXX started sending emails to me requesting payment of {$5000.00}. How could I owe anything when I never leased from this complex. I filed identity theft on this account with the FTC because XXXX XXXX XXXX obtained my personal information without my consent. I certified mailed XXXX XXXX XXXX a letter, with the FTC identity theft report requesting documented proof back in XX/XX/2023. 

They never responded to my letter. Instead, they are still harassing me with phone calls and emails even after I requested that they cease and desist all contact with me in the certified letter. They have reported this fraudulent account to all three credit bureaus as a negative collection. I have sent all these documents to all three bureaus, but this fraudulent account is still reporting on my bureaus.
Product: Debt collection

This was a car I co signed for an ex a long time ago. We broke up and he let it go back. I was NEVER notified of this nor given the opportunity to pay it as I should have been. I later found out they were going to try and garnish my check because of this, again without proper notification as I have been living in MO and didnt receive anything. Ive tried to contact them since and keep getting errors on the number and to try again later. I have tried to dispute this since because again, I was never notified or given an opportunity to pay the payments. This should only be on his credit for that reason.
Product: Mortgage

1. Our loan was with XXXX XXXX for XXXX years. 
2. Covid 19 struck and XXXX XXXX automatically enrolled us in the program that suspends payments due to the pandemic ( see attached ). 
3. Specialized Loan Servicing apparently bought our loan from XXXX XXXX at the 15 of 30 year point right as COVID-19 struck. They did not honor XXXX XXXX loan payment suspend. 
4. I was XXXX XXXX due to Pandemic. 
5. SLS offered a forbearance plan with warm soothings that they knew their clients would need loan mods or repayment plans because they wouldn't be able to make a lump sum payment at the end of the forbearance. They stated in writing that they would assist in repayment efforts. 
6. Now that my forbearance plan ended SLS is refusing any type of loan modification or repayment plan and only giving me option of deed in lieu or foreclosure. My income is well above their parameters, my credit is well above too. If they were going to force a lump sum payment, they should have said that upfront, instead they misled in writing and in their marketing online as well as correspondence within online account holder areas. I have proof. 
I tried to pay monthly payments beginning XX/XX/XXXX ( end of plan ) but they sent all the payments back. I send them again, they send them back stating they don't accept payments from a delinquent account!! 
Further, because my wife died of XXXX XXXX before all this occurred, SLS dragged me through an additional 4 months of default. They wouldn't begin the process of letting me apply to modify loan and repay forbearance months until I was the legal successor and it took them four months to receive documents and reach that point. Then another 2.5 to receive and deny my paperwork requesting mortgage assistance in the form of a loan mod or repayment plan.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX Attn : Consumer Disputes XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Fraudulent Charges Account # XXXX Dear Sir/Madam, I am writing to formally dispute the information reported by Bank of America, referenced as " SUSPECTED FRAUD ACTIVITY , '' related to the account XXXX, with an alleged charge-off amount of {$8300.00}.

I do not recall opening this account nor authorizing any activity associated with it. I have reviewed my records, and I believe that this account may have been opened without my knowledge or consent. The account was reported with a closure date of XXXX, and the status is listed as **UNPAID**.

To assist with the resolution of this matter, I respectfully request the following : 1. **Documentation proving I authorized the account and any charges** related to this account.

2. A detailed breakdown of the transactions that led to the charge-off, including any charges, fees, and interest.

3. Any evidence showing that I was the one who applied for or used the account in question.

I take identity theft and fraudulent activity very seriously, and I am requesting that the account be thoroughly investigated and removed from my XXXX report if found to be fraudulent. If necessary, I am prepared to provide additional documentation or take further action to resolve this issue. 

Please confirm receipt of this dispute, and kindly keep me informed of the progress of your investigation. I expect a response within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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

I have sent in a copy of my ID and social security card. I explained I need my personal information updated to reflect my name and address in my driver license due to the fact I feel I may be subject to identity theft. My name is spelled about 5 different ways on my report which is incorrect. I just received a copy of my report and the incorrect information is still on there. I sent in the information abut 30 days ago.
Product: Debt collection

I have a debt collection on my credit reports that is not mine I have tried several times to get it removed Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX AND XX/XX/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 XXXXXXXX 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 or other personal consumer reports

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the inquiry immediately. 
XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit. Thank you, your help is greatly appreciated!
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Student loan

Trying to get the {$5000.00} XXXX forgiveness towards my student loans which will effectively eliminate my loan. I have filled out all required paperwork twice and they keep rejecting it for no reason given. I keep being told to resubmit. Plus they never tell me when it is reject ed.

This has cost me substantial money for a XXXX. There is already several class actions against XXXX XXXX for many reasons regarding these kinds of practices.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

14. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX XXXX XXXX XXXX XXXX XXXX  Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Debt collection

I used XXXX services in XXXX 2014. Despite confirmation by the XXXX location I utilized that they would bill my employer 's credit card account for the services, they billed my personal credit card account, which was supposedly only to be used to pay a deposit on the account, not to bill the full amount for services. I disputed the charge via XXXX XXXX 's charge dispute services. XXXX did respond to the dispute inquiry, which resulted in XXXX XXXX reimbursing me for the fraudulent charge. Months later, XXXX sent my account to collections for the full amount, after having sent documentation to XXXX XXXX that proved the charge fraudulent. I received a letter soliciting payment from Vengroff Williams , Inc. The date listed for the rental of XXXX equipment is incorrect, listed as XXXX XXXX, 2014. I believe this to be a fraudulent charge altogether - I used XXXX XXXX in XXXX 2014, XXXX XXXX refunded the fraudulent charge on XXXX XXXX, 2014, and XXXX sent my account to collections on XXXX XXXX, 2014.
Product: Checking or savings account

Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.
Product: Mortgage

This is a complaint is against the AmeriHome ( AM ) ( 1 ) fails to process my payment via XXXX ; XXXX 2 ) making harassing collection calls at my work until I made an extra month of payment ; ( 3 ) rejecting XXXX Proof of Payment and refused to credit the payment to my account. 
On XX/XX/XXXX, XXXX made an electronic payment to XX/XX/XXXX. On XX/XX/XXXX ( XXXX before grace period ends XXXX, I received a collection call from AH at work. As soon as I picked up the phone, there was a recorded message This is a debt and collection call from AmeriHome, if you are XXXX XXXX This is super embarrassing if the call came through reception. I received 2 mores collection calls after that. 
I called XXXX inquiring about the payment and to double check if the bank has all info correct. XXXX confirmed payment was made on the XXXX and cleared on the XXXX. XXXX confirmed the account number was correct and provided a Proof of Payment to be sent to AmeriHome. 
In order to avoid more harassing calls which interfere my work, I made an extra payment on XX/XX/XXXX, expecting that it would apply to the XXXX payment. On XX/XX/XXXX, I called AmeriHome about the issue. The representative, I believe his name is XXXX told me to email the proof to AH. To my surprise, I received a response from AH that they can not respond to my issue because it is unsafe to communicate via email. However, this is the same email address AH has been communicating with me numerous time since XXXX. 
I made a total of 2 payments for XXXX but AmeriHome only credit the payment I made directly with XXXX, refused to credit the one month payment via XXXX provided I sent them the Proof of Payment. Please assist and investigate any other victims who run into a similar issue. Thank you.
Product: Payday loan, title loan, or personal loan

I have been struggling since covid. I no longer help family members so there is no extra change on my end. My mother was helping me as well and unfortunately bills have gotten so bad she can not help me, so naturally I have gotten behind. I have tried to pay even just a little bit online, not the full payment, just to show an honest effort. This company has called family I don't even really talk to. I have had to block Regional Finance ( off of XXXX in XXXX, TX ) because the calls are too many in number. Yes, I've had to install a blocker on my phone. When I call back to tell them when I can pay something I get yelled at and the last person even threatened me by saying " well if you can't pay the whole payment then I don't want anything from you and I'll take you to court ''. We had just a little bit less than {$200.00} left until my mom 's check came in and she told me to just pay it. These people have me in tears and I hate them to the core. We get these loans because we need the help, only for things to get worse. I can only pay a little bit now and nothing over {$100.00} and they don't give a XXXX. I hate them and I want this nightmare to end. I hope others get to see this. They won't work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect PersonaXXXX information on my credit report.
Product: Mortgage

Initially I called and requested SPS apply my first payment to my account, as their records indicate I am past due. I mailed my first payment to XXXX before XX/XX/XXXX, which is what I was instructed to do ( per the enclosed letter from XXXX  notifying me of the transfer of the note. Please see the enclosed documents ). Please note I opened XXXX accounts with XXXX, however this check is most assuredly for the XXXX the XXXX fairway, because the amount is the proper amount for the monthly payment on that property, and I references account number XXXX in the memo. Account XXXX was the XXXX account number for this loan. 
I have sent SPS multiple copies of the check that the original Servicer cashed, however SPS refuses to rectify the issue with XXXX, and are currently charging me late fees. This is not appropriate. SPS purchased the loan, and the first payment was misapplied by XXXX. SPS needs to get the payment from XXXX, and reverse any late fees and additional interest they charged me because of XXXX error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have tried to get these items off of my credit report I have contacted the reporting agencys and I feel as though there has not been a appropriate response or investigation into the facts I demand proof and please remove these items off my report
Product: Debt collection

On XX/XX/2023 Enhanced Recovery Company reported to credit bureau 's that I owed them a debt. I am disputing this claim. According to the Fair Debt Collections Practices Act and Fair Credit Reporting Act, Enhanced Recovery is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Under the FCRA, unverified accounts must be removed and if Enhanced Recovery is unable to provide me a copy of verifiable proof, they must stop reporting this fraudulent information to credit bureau 's.