23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

Toyota Financial had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a forbarence plan set up with Shellpoint Mortgage due to COVID-19. I was able to get off the forbarence plan in XXXX of 2021, at that point Shellpoint offered me an option to do a loan modification. During the loan modification process i was under the assumption that the forbarence plan was still in affect until the modification process was completed so i continued to defer my payment. The modification paperwork needed to be notarized so Shellpoint hired a 3rd party notary and i had nothing but issues with them. Took almost 2 months to finally get a schedule date. Now Shellpoint has reported me 60 days late on my mortgage. Im trying to re-finance my house right now and this negative/inaccurate reporting on Shellpoint 's part is making it impossible to do so. I have filed complaints directly to Shellpoint and also tried to dispute the negative report thru XXXX with zero success.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. Please find below my updated address inform : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

My account with ( TRANSUNION 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 ( MONTHS REPORTING 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. 


TRANSUNION 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, credit repair services, or other personal consumer reports

I am writing to file a complaint against Bank of America for failure to respond to my dispute within the 30-day period as required by law. My attempts to resolve inaccuracies on my credit report have been ignored by Bank of America, and I am now seeking your assistance to address this issue. 

On XX/XX/, I sent a dispute letter to Bank of America requesting a correction of information that appears on my XXXX, XXXX, and XXXX consumer report. The dispute was related to inaccuracies surrounding the payment history and bankruptcy comment. I had hoped that my dispute would receive prompt attention and resolution from Bank of America. However, after several weeks, I have yet to receive any response or communication from the bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Has inaccuracies. Incorrect. Information in XXXX reporting bureau which .pass due XXXX days XXXX ... .and in equifax bureau XXXX XXXX ...!!!!!! this inaccuracies reporting...
Product: Checking or savings account

On XX/XX/2019 I had reported fraud to Bank of America ( my  bank ) in regards to my debit card. I have filed a claim already with the CFPB ( XXXX ) about this situation. The fraudulent charge was from XXXX. XXXX assured me my account with them was closed. Bank of America processed a " stop reoccurring payments '' to XXXX on my old, cancelled debit card. 

This morning I logged into my checking account with Bank of America and saw another charge from them. I contacted Bank of America and was told the only way to even investigate the fraud was to cancel my card again. I couldn't understand how XXXX even got my new card number even though I no longer have an account with them. The BoA representative informed me that XXXX is able to force through transactions but having stopped payments from my checking account to them, I still don't understand how that is allowed by the bank. I was told I should have put a second stop payment on my new card once it was received. Since I was never told that, somehow this charge was allowed to be processed and now I have to wait again for a new debit card. Yet once again, I am left unsatisfied because this should have been prevented by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the 3 major credit agencies to verify the information on the accounts listed on the attached 2 letters. XXXX removed all the same accounts because the information could not be verified. TransUnion and XXXX have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. TransUnion and XXXX just ignore sending me what they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Product: Debt collection

CEASE AND DESIST XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear MIDLAND CREDIT MANAGEMENT, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC. 
THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Mortgage

Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.
Product: Bank account or service

RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Bank of America Topic : Bank of America responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Bank of America Account # XXXX. 
However : Bank of America was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Bank of America ( for her own reasons ). Additionally, Bank of America requires a copy of the death certificate - Bank of America did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Bank of America did close the account. 
Result : Issue resolved. We will continue to work with Bank of America and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Bank of America will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

*Items are where FCO misrepresented documents and/or the nature of the debt Dated XX/XX/XXXX Received a debt collection notice from XXXX that we owed XXXX XXXX {$3300.00} XX/XX/XXXX Disputed the debt through their portal and requested proof Dated XX/XX/XXXX Received a XXXX ledger that showed a charge of {$3700.00} for a " lease termination fee. '' XX/XX/XXXX Called FCO and disputed the debt again, explaining that our lease had expired and we were on a month to month lease. Requested that FCO either send concrete proof of valid debt or cease collection activities. 

XX/XX/XXXX *Received a copy of an expired lease from FCO . The lease was expired in XXXX and the " lease termination fee '' was added in XXXX. 

Dated XX/XX/XXXX Received letter from FCO notifying us that we had been or are scheduled to be reported to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX *Called FCO to inquire why they were threatening to report us to credit bureaus during an ongoing dispute. 
Agent stated that XXXX had reported the debt as " unpaid rent. '' XX/XX/XXXX Certified letter delivered to FCO instructing them to cease collections if they can not provide a valid lease. 

XX/XX/XXXX *Received documents from FCO - A letter of intent that they stated was a " lease renewal '', and a " Move Out Statement '' that provides no further evidence of a valid lease. 

XX/XX/XXXX Called FCO informing them I was sending an official cease and desist letter and that they had failed to prove a debt despite multiple requests. 

XX/XX/XXXX Certified cease and desist letter arrives at FCO. 

XX/XX/XXXX XXXX reports negative action by FCO.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information listed on my consumer report. My correct and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and all other addresses must be deleted to ensure compliance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Additionally, my full legal name is XXXX XXXX XXXX, and any other name variations must also be removed to prevent confusion or potential misattribution of accounts. Failure to correct these inaccuracies constitutes willful non-compliance with the Fair Credit Reporting Act and may result in liability under 15 U.S.C. 1681n, entitling me to statutory damages of {$1000.00} per violation, along with punitive damages and legal fees. I request the immediate deletion of all inaccurate personal information and written confirmation once this correction is made.
Product: Credit card or prepaid card

I viewed my XXXX  credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. 

I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I purchased a used vehicle XX/XX/XXXX, payments of {$330.00} monthly, Was working Full time. Made 4 month 's of payments on time. 
Early XX/XX/XXXX Covid -19 arrives. 
Furloughed from work. 
I start recieving harassing calls constantly everyday from XXXX am to XXXX pm, voice-mail s emails but no letters. Until finally my car is repo ed by tow to a hidden place. Was not told where it was until I was forced to pay what the arraignment was.. Repo # XXXX phone # XXXX payment {$700.00} Plus catch up payment {$580.00} Even having paid the calls still came as a reminder, but I felt Harssased, constantly. 
Monday thru Sunday. 
Was called back to work XX/XX/XXXX Back to bi weekly pay, shedualed payments monthly again. 
But previous arraignment was to pay weekly to catch up. Still under Covid restrictions mean while. 
Calling me everyday at work XXXX until XXXX pm, never giving up the harassing and bothering calls, I was frustrated by the methods of the dept collectors. 
I was fed up. Being a used car, I was having some car trouble with the electronics and seat sensors. Fell behind again, but notified the company and we agreed to make catch up payments again. 
Apparently it was put up to re-po and was Repossed for the 2 ND time. XXXX? 
Came back around paid again to get my car back. Emmeidiately, the calls. By this time I'm going crazy, thinking about how to stop this, I posted a blog on their website about how they call to much on the daily if u fall a little behind and if u don't answere thier harassing calls, they tow the vehicle at XXXX leaving u stranded and loose work witch equals loosing money. 
Which ultimately will be another late payment and another re -po # XXXX XXXX XXXX? 
As it stands right now I'm out of work on short term XXXX, recieving Food assistance to eat, going on 4 months behind on rent, no paycheck and Covid is still taking lives here in the US and I've still been recieving these calls from the debt on my " Used '' vehicle not " New '' with almost XXXX miles and # XXXX " Re - Po '' tow XXXX happened XX/XX/XXXX. So they win and I loose, Will not be able to afford to get my used car back this time.