23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the BANK OF AMERICA Account # - XXXX. 

XX/XX/XXXX - BANK OF AMERICA Account # - XXXX was deleted from my XXXX credit file. However, that account was not removed from my XXXX   credit file. Filed several disputes with XXXX but they did not remove the fraudulent BANK OF AMERICA account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted BANK OF AMERICA to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from XXXX saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from XXXX credit report agency since the information was corrected at XXXX but it is still wrong with XXXX. I believe that both BANK OF AMERICA and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised XXXX  and XXXX  on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received XXXX per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. XXXX  had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX XXXX XXXX XXXX XXXX also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

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

XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX THE AMOUNT DUE IS XXXX THE TOTAL AMOUNT WAS SENT BY CHECK ON XXXX, THE COMPANY RETURNED THE PAYMENT AND CHARGED OFF THE ACCOUNT.
Product: Mortgage

I have a new inspection fee of XXXX dollars. I have been trying to get this company paid as soon as possible They are coming up with new fees. Why they are inspecting or adding additional fees.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that my account had a medical obligation from XXXX XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, Equifax and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Product: Credit reporting or other personal consumer reports

Account : XXXX whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$11000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is illegally reporting this account on my credit report. Per the new rules from the credit reporting agency 's XXXX, XXXX, and XXXX can not report a medical collection less than a year old on your credit report. This debt is not older then a year and must be deleted immediately. Per FCRA new reporting rules, the debt is not allowed to be reported on my credit report.
Product: Credit card or prepaid card

In XX/XX/2021 I received a bill for {$99.00} dollars and change on my MasterCard from capital one. This charge was for a subscription from XXXX. I had been getting these charges every year for awhile. I would call capital one and dispute this charge and they would issue me a new card and disallow the charge from capital one. The problem was, they would then give my new card number to XXXX and the next year it started all over again. I am being charged on a reoccurring charge that I did not authorize nor want the service. I tried to call XXXX, but the phone numbers provided to me by capital one and rivals are bogus. I had to end up paying XXXX after added fees. For a fraudulent charge from rivals and they were helped by capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from XXXX  stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates
Product: Debt collection

I have notified XXXX and experian several times that the XXXXXXXX XXXX account does not belong to me. The original contract of the account contains an invalid address that is not verifiable. The contract includes a name that is not my full name and a signature that isn't mine. I have provided valid Ftc reports to both XXXX and Experian but they refuse to remove the account even though the information on the contract is unverifiable and they have been notified I was a victim of identity theft.
Product: Debt collection

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 that are reported 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. 


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

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

During XX/XX/year> thru XX/XX/year>, I have not been able to use the card because it has been expired. I asked them to send a new card as of today XX/XX/year>, I have not received. I have made on-time payments which are due on the XXXX of the XXXX. I go to the XXXX and use the service to make my payment. On the XXXX, my online account reflects a late fee of {$45.00} each month, then it is reversed but the money is never posted to my availability. My average interest and other charges add to {$13.00} to {$14.00} a month. SO, there is no way of not using the card and making payments monthly on-time that I should have an available balance of only {$38.00}, today I checked, and I was charged {$45.00}, so now it is negative XXXX dollars. 

They should apply the {$45.00} charged for the Months of XXXX, XXXX, XXXX, XXXX and XX/XX/year> to my account. the most that should have been debited only {$70.00} ( interest and fees ) for the period XX/XX/year>- XX/XX/year>. Payments made during this time equals XXXX. My credit limit is only {$300.00}. 

They should apply the XXXX to my account immediately. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX, regarding two for 2 unauthorized inquiries from XXXX XXXX from two different dates : XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX sent a letter to me, and accepted the two inquiries as fraudulent. XXXX XXXX XXXX mentioned that they instructed the reporting agencies to delete them from my credit report not to affect my credit worthiness with lenders. 

As up to date, Experian has not deleted the inquiry from XX/XX/XXXX, and neglects to delete it.
Product: Debt collection

In reviewing my credit report, I see there is a collection account from a company I have never received a notification or phone call advising of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I don't recall non of these inquiries. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

To Whom It May Concern : On or around XX/XX/XXXX, just after the 24 month seasoning requirement was fulfilled, I called in to Caliber Home Loans to begin the process to remove PMI on my mortgage based upon appreciation and substantial improvements. This call set in motion what could only be considered a series of delay tactics to prevent a homeowner from exercising their rights under the Homeowners Protection Act of 1998. 

When the paperwork was finally received in late XXXX to authorize and fund a BPO showing the increase in value, it was accurately filled out, and promptly returned with full payment on XX/XX/XXXX. As indicated on the attached documentation sent by Caliber, the cost of the BPO was {$150.00} which was remitted. 

On XX/XX/XXXX, I received a follow-on letter ( also attached ) from Caliber, stating the BPO was not ordered because I failed to include the proper payment. The cost was changed and is now listed in the new letter as {$190.00}. This is not only improper in that their previous correspondence clearly states a differing cost, but this is causing unreasonable delay during which they are continuing to profit from their failure to follow guidelines as outlined in the Homeowners Protection Act of 1998. 

I request that Caliber Home Loans take immediate action to resolve this issue by providing the BPO at the price initially quoted and paid for, and that upon verification of qualifying LTV, the PMI be retroactively credited to my account based upon the date of initial phone request of PMI removal. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. 

Thank you for your attention to this matter. 

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

XXXX that was the complaint that the cfpb allowed transunion to dictate what trasnsunion was going to do. i was supposed to hear something in 60 days and well over a year later im still waiting. meanwhile transunion still reports false information if they report anythingb at all. on several occasions they reported blank, empty reports. This has gone on long enough. i want my life back.And I want transunion to pay for the damages done to me physically and emotionally. I want it done now
Product: Checking or savings account

Signed up for a checking account with Chase banking for XXXX $ bonus around XX/XX/XXXX or XXXX. The terms were to have direct deposit into the bank and the XXXX would be deposited within 10 business days. I waited a little over 3 weeks with no money and gave them a call on XX/XX/2019. They told me they sent a coupon to my email which they did not and said since its been over 21 days since account was opened they wont give me the bonus
Product: Debt collection

ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, 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 XXXX XXXX XXXX Balance Owed : {$75.00}.
Product: Mortgage

I closed on my XX/XX/XXXX. I have paid my mortgage if {$1500.00} Every month, which includes home owners insurance. I added flood insurance shortly after I closed on my home. my mortgage started out with being with XXXX, but shortly after switched to US BANK. My AC went out on Friday XX/XX/XXXX. I had to get a brand new XXXX unit, and that was installed Saturday XX/XX/XXXX. I called my insurance company to see if they would cover, they stated that I have not had insurance since XXXX of this year. They said due to adding floor insurance, there was a difference in pay. Also, they still had XXXX Mortgage as my mortgage company, not US BANK. So my questions were, why wasnt the floor insurance amount added to my payment? Why didnt US BANK notify my insurance company the change in mortgage, and where is my money going that I have been paying for every ruby month? 
Because the payment hasnt been paid since XXXX, ( XXXX dont know why XXXX, as I added flood insurance Months before that. ) the insurance company will not relapse my policy, and will have to get a brand new one. There has been zero communication from US BANK on this. I have called and spoke to insurance company XXXX XXXX and XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.