23daVinci/CFPB_Complaints huggingface dataset:
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 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 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

The XXXX is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/. This matter is incorrect. In XXXX XXXX XXXX I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX XXXX  and had to have XXXX XXXXXXXX. I qualified for the Income-Driven payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to XXXX at the time of reporting.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding their handling of a dispute concerning a public record on my credit report, specifically identified as record number # XXXX. 

I previously initiated a dispute with ARS regarding the public record appearing on my credit report. ARS claims to have conducted an investigation by contacting the XXXX XXXX XXXX on XX/XX/2023, and receiving a response on XX/XX/2023. They asserted that the bankruptcy record is properly associated with me based on a truncated Social Security number, as indicated in the attached XXXX XXXX filed in the United States Bankruptcy Court District of XXXX XXXX 

However, I strongly disagree with ARS 's conclusion. Their purported investigation, based primarily on a truncated Social Security number does not constitute a thorough or reasonable effort to verify my identity or the accuracy of the information. The use of such limited information, especially a truncated Social Security number, is insufficient and does not accurately link me to the reported bankruptcy record.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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 an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated to positive immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. Experian failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAVALRY PORTFOLIO SERV {$13000.00} XXXX ... I have tried to explain to this company who bought out my XXXX XXXX XXXX that I do not owe this. I am XXXX XXXX XXXX. I do acknowledge that I signed up for the XXXX XXXX but I did not purchase anything. I also explained that I didnt receive anything in the mail or by phone before it went to collections and was bought out by CAVALRY PORTFOLIO SERV. They replied that they sent mail. I am XXXX and do not collect my own mail. I also asked why it wasnt sent by certified mail? I requested a copy of this debt and I am completely disputing it. I have made multiple attempts to work with CAVALRY PORTFOLIO SERV to remove this debt as it severely affects my well being physically and mentally from the stress. After receiving a copy of the debt they bought I have reviewed it thoroughly and theres no proof I made any purchases. Theres proof I initially signed for the card but thats it. I got XXXX XXXX shortly after signing up for this card and I didnt make any purchases. I dont even know how the credit limit was so large as I only make {$270.00} a month on XXXX XXXX XXXX  XXXX I would never be able to pay this back and I believe I am a victim of credit fraud. I need help resolving this issue as CAVALRY PORTFOLIO SERV is not willing to listen and keep saying I was notified by mail. I explained I didnt receive the mail and theres no way without them sending it certified to prove I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes and calling in about these accounts for the past XXXX years, dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now today. 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.

I told Transunion to reinvestigate these accounts : Account name : XXXX XXXX  {$470.00}, Account name : XXXX  XXXX Bankruptcy, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX  shows opened XX/XX/XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX High balance shows {$150.00}, Account name : XXXX payment status should be account in good standing, paid/never late, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX shows {$300.00} XXXX Account name : XXXX Bank {$5900.00} XXXX XXXX date XX/XX/XXXX, Account name : XXXX XXXX # XXXX  Balance showing {$1000.00}. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect??? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

i still appear on an account that is not mine .XXXX court papers that i already send it to XXXX XXXXXXXX and experian and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them
Product: Checking or savings account

- XXXX XXXX, 2024 Account Opened, Used the promo code XXXX  - XXXX XXXX, 2024 : Direct Deposit from payroll over {$2000.00} minimum in promotion requirements posts - XXXX XXXX 2024 : Call in to BoA, representative says to wait the full XXXX  days in the terms. Says there is no way to confirm if promotion is attached - XXXX XXXX, 2024 : Past the XXXX day mark. Call in, representative redirects to XXXX XXXX (? ) Second rep says will call back to number for verification, after confirming the correct number. Never receive a call back. 

Also would like to note how actively hostile Bank of America 's phone tree is to the consumer. Prompts fundamentally do not work if outside of an absurdly narrow set of options that can easily be done online, and will simply repeat itself when another option for help is requested. It is a frustrating and borderline unusable system that seems to have the goal of preventing any customer from getting help. From this experience, even once you are able to reach a representative, they appear uninterested in helping you, resulting in a need to call again and again. It should not be this hard to access basic service.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and late payments off my credit file from XXXX, Equifax, and XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ( XXXXXXXX XXXX ) Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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. 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

I have 2 accounts with profolio recovery for the same balance thats been in dispute for over 7 months with is illegal. Its stating that I opened up a XXXX  XXXX credit card in XXXX which I did not. I currently have a XXXX  XXXX credit card for {$500.00} dollar which is in good standing and also 2 other accounts that also has been in dispute for over 7 months for XXXX XXXX and XXXX XXXX. Im in the process of trying to buy a house and these things are holding me back. Along with my ss # being compromised a few times along with an account being opened in my name.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I will like for these inquiries be removed on my equifax the inquiry are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have sent a identity theft report and equifax did remove the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX, and Discover Bank for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Product: Debt collection

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from XXXX XXXX without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.
Product: Money transfer, virtual currency, or money service

American express travel related services company has issued to me a check for {$150.00} on XX/XX/2018. 
I did not cash the check on time, it is expired now. I am trying to get a replacement check. 
I tried to contact A E card : the agents said they have no records or information about this check. 
I then XXXX the AE travel related company phone number and called them, but there was a recording stating that the number is not valid ... 
So I called CFPB and was advised to mail my request to the company directly, if that fails, contact the AE credit card and See if they could help.
Product: Credit reporting or other personal consumer reports

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus XXXX, TransUnion, XXXX filed a report via XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Product: Vehicle loan or lease

I was told by the company I purchased the car from that my payments would be using simple interest where my interest payments would be constant. I also feel like I was taken advantage of in my situation without a car and they gave me an interest rate over 25 % that will never be paid off. I have had the loan for 3 years and I owe more on it now than when I originally took out the loan.
Product: Mortgage

I was in the process of buying a home. I had gotten a pre approval letter on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I put an offer on a house. XX/XX/XXXX I received messages that my loan was approved. My closing date was set for the XXXX of XXXX. XXXX XXXX real estate agent asked if everything was on tracked hed say yes. Builder need more time closing was move for the XXXX he said the sooner the better everything was set. Closing amount was never disclosed to me. XXXX team lead told me it might be XXXX. Then XXXX  days before the I was told it would be in the XXXX XXXX. Then the day before closing I was told I was XXXX short to close. I told him I didnt have that. Then I was transferred to the manager XXXX XXXX who explained that without the XXXX or a gift receipt I wouldnt be able to close. My boyfriend offered to pay the which was okay with XXXX. Then suddenly he told me to refer to his manager XXXX due to the complexity of the loan and he refuse to help anymore and just gave me her number. XXXX was unreachable then I received an email stating that I needed XXXX gift receipt to cover necessary fund plus reserve which reserve is XXXX. Ive never seen so much unprofessionalism. Communication wasnt clear. They arent taking responsibility for anything. Blaming me stating I didnt give necessary documents requested by their teams many times when everything on their portal said caught up. Then it was a low credit issue which was never mentioned before. They even blame the real estate agent. The denial letter stated conditions not met was insufficient fun. Ive never seen so much negligence. I applied for FHA loan they gave me a conventional loan approval which made things difficult with seller. There are many time I couldve gotten out of the situation and get my XXXX deposit back but they waited till the day before. 
I received a loan denial email on closing date and that even had a different interest rate then what I originally had on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXXXXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} PFS XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year>, I received a text message stating - Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop.

I assumed it was a junk or fishing text, so I ignored it. 2 weeks later I received a credit card in the mail. I immediately called Bank of America customer service to report it as fraudulent. The card had a balance of {$95.00} which was the annual fee. They removed and cancelled the card. I was told I would receive a report in the mail which I never received. I also asked for a copy of the application, but they transferred me to another department and the call was dropped. 

The credit card was an XXXX XXXXXXXX XXXX On XX/XX/year> ( today ) - I received a 2nd text message : Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. 

I immediately called to report it and found out that a 2nd card had been applied for in my name. It was a XXXX XXXX XXXX XXXX also issued by Bank of America. I went through the same process of cancelling the card. This time they told me that they would send a fraud report within 10 days and that I would receive a copy of the application. 

I did not apply for either card and never filled out an application. My credit report/score dropped XXXX points from the first attempt and Im concerned the 2nd will further negatively affect my credit. I have placed a freeze on all three credit buereau websites.
Product: Debt collection

There are over 40 collection account through XXXX, XXXX, and XXXX on my credit reports. I do not acknowledged I do not own any of these accounts. This company is not friendly very rude to customers and just very unprofessional. They refuse to verify validate the amounts old and its has been 6 months and they still have not responded. Please advise. The name of the company is Recievables Management Corporation XXXX XXXX XXXX, XXXX, SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX auto finance, XXXX XXXX, XXXX  XXXX auto finance in a XXXX XXXX credit card.