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

My account with XXXX XXXX XXXX XXXX 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 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 XXXX XXXX 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

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

On XX/XX/year> I checked my credit report and saw a collection account from Professional Debt mediation ( XXXX ) XXXX. I contacted them and informed them that it was not my debt and someone used my name to open the account. I've never lived in Texas, been to Texas or associated with anyone in Texas. The original debt was from XXXX XXXX. The address where my name was used to open a utility account is XXXX XXXX XXXX XXXX TX XXXX. I have no further information about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seven years ago, I had a single, protracted, but continuous delinquency event with a Bank of America mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX  has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as Bank of America on this error, but have been unsuccessful in getting them to correct it. 

Bank of America claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Product: Credit card or prepaid card

I owed XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1200.00}. They told me I could pay the debt with a credit card. On XX/XX/XXXX, I gave XXXX my Citi Card credit card number and authorized the charge to my credit card for {$1200.00}. In late XXXX, I was looking at my Citi Card account and noticed that I was charged fees and interest on a cash advance to XXXX. On XX/XX/XXXX, I contacted XXXX to find out why they put the transaction through as a cash advance. XXXX XXXX of XXXX assured me that she put the transaction through as a credit card charge ( I have an email from XXXX proving this ). I told XXXX that I would dispute the charge. On XX/XX/XXXX, I opened a dispute with Citi Bank about the transaction. On XX/XX/XXXX, XXXX notified me that it was their merchant that decided the transaction should be a cash advance and changed the transaction. In XXXX  XXXX, Citi Bank credited the charge back to my account. On XX/XX/XXXX, XXXX notified me that the cash advance transaction was credited back to my account and that I still owed them the {$1200.00}. On XX/XX/XXXX, I sent an email to XXXX with attachments showing that I mailed a cashier 's check to them with proof of mailing. On XX/XX/XXXX, Citi Bank notified me that they had concluded their investigation and found in favor of XXXX. Citi Bank said they were crediting the cash advance back to XXXX and charging me {$91.00} in fees and interest. Citi Bank stated that I had not proved that I cancelled the transaction with the merchant. That same day, I responded to Citi Bank showing that I paid XXXX separately by mailing a cashier 's check to XXXX and showed proof of mailing through Citi Bank 's secure mail system. Citi Bank responded and told me that the investigation was closed and that I can not open another dispute on the same transaction. On that same day I sent an email to XXXX asking them to credit the transaction back to my credit card. On XX/XX/XXXX, XXXX notified me that they were going to mail a check to me to refund me the extra {$1200.00} that I had paid. Citi Bank will no longer address this issue and has charged me {$91.00} dollars for cash advance fees and interest. I never authorized a cash advance transaction. I thought it would be easier to make an electronic payment through my credit card than by sending a check. XXXX never told me they would consider the transaction as a cash advance. They told me it would be a credit card transaction. I want Citi Bank to credit back the fees and interest charged to me for the cash advance transaction.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 XXXX : XXXX ) 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 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 TRANSUNION 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

In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX and XXXX it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XXXX XXXX  90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the Navient agent doesnt know basic math, anyone can see its incorrect.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an updated complaint to Complaint # XXXX. XXXX and TransUnion continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from XXXX  shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XX/XX/XXXXper my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX XXXX the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX  and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX  and XXXX XXXX have committed..
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I opened a credit card through Amazon in XXXX or XX/XX/ with Synchrony Bank. I continued to use my XXXX credit for all my purchases, I've never once used my XXXX credit for anything ever. XXXX has double charged all my XXXX purchases, I've sent them my XXXX  credit statements showing the charges, but I still have a debt to them. They have had terrible customer service each time I've called for help, and my issue is still not resolved.
Product: Debt collection

I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.
Product: Checking or savings account

I PLACE A ORDER WITH XXXX XXXX ON XX/XX/XXXX FOR XXXX XXXX AND PAID ADDITIONAL TO HAVE THE ORDER SENT SECOND DAY AIR {$1300.00}. VENDOR ENDED UP SENDING IT THROUGH POSTAL SERVICE AND ITEM WAS LOST NO MOVEMENT FOR OVER A WEEK. I CONTACTED VENDOR OPTICS PLANET AND I WAS TOLD TO WAIT 25 DAYS AND IF THERE WAS NO MOVEMENT THEN THEY WOULD FILE A CLAIM FOR ME. I WAS UPSET AND TOLD THEM THAT WASN'T OK AND I WANTED A REFUND OR A REPLACEMENT ORDER. THEY SAID NO. I CONTACTED BANK OF AMERICA AFTER THAT CONVERSATION AND STARTED DIDPUTE PROCESS, THEY ASSURED ME A IMMEDIATE CREDIT SINCE I PROVIDED THEM PROOF AND THAT THE PROVISIONAL CREDIT WOULD BE PERMANENT IN 45 DAYS. I NEVER RECEIVED CREDIT FROM BOFA XXXX XXXX SAID THEY CANT CREDIT ME BECAUSE ITS TIED UP WITH DISPUTE PROCESS AND I CAN GET A STRAIGHT ANSWER OR EVEN SOMEONE ON THE PHONE AT BOFA. CLAIM AT BOFA WAS STARTER XXXX AND EVEN IN THERE POLICY IT STATES 45 DAYS TO BE COMPLETED
Product: Credit reporting

I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts in order to get a XXXX XXXX account off of my credit report because I have no knowledge or part in creating one. I told them that it is possible someone may have opened an account in my name because I did lose 2 of my SSN cards & they said it was me because the store is within so many miles of my home when I know I havent opened any accounts. Ive tried multiple attempts and now I am ready to report against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$910.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$140.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete this account from my file :
Product: Vehicle loan or lease

I have been submitting disputes about this charge which I did not make or authorize someone to do it. The fraud account was opened XX/XX/2020 with an amount balance of {$9600.00}
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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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: Vehicle loan or lease

this company is reporting that i have had a auto loan through their company this fraud i never had a loan the document that was sent to me is that i bought a car from a company name   XXXX   XXXX   XXXX   which is false and on the document it stated that i traded in a   XXXX    XXXX   XXXX  and that false as well look on signature that 's not how i sign document and what was the vin number on the so  XXXX  that was traded in i guess any one can get a loan through this company all that have to do is steal a person information wow amazing reply to case  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and Experian that are not showing on my credit.