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

My account with 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 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

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.
Product: Mortgage

In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00} ( interest only ). When I asked them to provide how they count {$68000.00} interest and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. 
Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? 
I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. 
They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX by their customers on last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for XXXX XXXX. 
Attachments included for your review. 
Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account.

FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XX/XX/2025 if no payment history is available or known. Per the most recent reports, it shows all Xs. 
Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND XXXX that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company XXXX XXXX XXXX.
Product: Mortgage

We are trying to refinance the mortgage due to income loss. We deliver all income statements and credit report and in XX/XX/2017 the bank denied the mortgage pushing us to foreclosure. We went to the court and the court decide to send us back to the bank for negotiations. As of XX/XX/2017 we did this process all over again and the bank keeps taking hard inquires and reporting late payments with no solution. We can not make payments because the bank doesnt permit until solve the case. We are affected without solution. Please help us.thank you.
Product: Checking or savings account

On XX/XX/2019 I made a deposit of {$1600.00} into my primary checking account at Bank of America, I was told it would be up to a two day hold on my deposit the deposit check I deposited was a valid check which has been confirmed by me at the Bank of America with the payee of the check and their financial institution that stated to them that the funds cleared their account on XX/XX/XXXX when submitted. On XX/XX/XXXX the funds were deposited into my account in which I did less than five transactions then today XX/XX/XXXX the funds were taken out of my account from the deposit which now resulted in me having a negative balance of over {$1600.00} at which the bank claims that the check is a fraudulent check which is incorrect. Bank of America refuses to release the funds into my account saying now that the federal reserve has not transfer the funds to hem Which is falls due to the fact that the XXXX XXXX XXXX confirm that Bank of America receive the funds on XX/XX/XXXX By Bank of America claims that the Federal Reserve never deposited the funds from my account. Bank of America has now put me in extreme financial peril due to their practices in which they have caused my first deposit the funds into my account and then removing 24 hours later the funds for no reason whatsoever
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a phone call from Blockchain.com , Inc. ( https : XXXX ) Saying that I had a frozen account from 2015 and that I needed to install software on my computer and have a live session with an agent to reactivate the frozen account. I have no memory of opening an account and asked them to send me the account information so I could verify it before I did anything. 

The agent called me XXXX and a liar, and asked if I was XXXX and said he couldn't send me the information. I said in that case close the account. He said but you just asked for the information, are you XXXX  or XXXX 

I tried looking up the company and contacting them, but they have no contact that I could find, and the phone number on the XXXX XXXX XXXX site just has an answering machine. 

I have had my accounts stolen in the past and I am concerned that someone opened this account fraudulently and the fact that the company representative said he has too much to do to send my " my '' account information really comes across as sketchy. The fact that he yelled at me, refused to provide any verification and insinuated that I am XXXX XXXX because I want to verify an account makes me believe this is not a real company and that they are scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries for XXXX XXXX XXXX and XXXXXXXX XXXX were fraudulent and need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

After I filed my last CFPB complaint my servicer, Nationstar, finally informed me of the reason they were not accepting my XXXX previous submittals of profit and loss documents which was delaying my loan modification review. I sent in the new documments for review on XX/XX/XXXX but Nationstar will not verify they have received my documents. While this review process was taking place over the past year Nationstar and their Law Firm of XXXX, XXXX, XXXX XXXX have set XXXX sell dates on my property on two separate occasions. This has caused me to hire a lawyer to get the sale narrowly avoided on both occasions while my review is taking place. Furthermore my property was for sale at the time and all interested buyers pulled out once they saw the property may go to auction. It is my understanding properties under review are not supposed to have to fight foreclosure at the same time but this has happened twice now. 

Now Nationstar states I must wait for a call from the law firm XXXX to be informed of any more delays and or if they have even received my updated documents sent in on XX/XX/XXXX. I have been told this before but never received a call from this law firm just foreclosure actions. Bottom line is I am doing everything I can to file proper and timely documents for a loan modification review and in reality my documents keep expiring with Nationstar 's lack of communication and Nationstar keeps filing for foreclsure on my property with the XXXX County court system which is in direct violation of their own stated policy of not foreclosing on properties under review.
Product: Debt collection

I entered into a contract with Home Depot for hurricane window installation on XXXX XX/XX/XXXX and made the required down payment of {$5600.00}. The installation was partially completed on XXXX XX/XX/XXXX. Due to quality control issues, there is a punch list of items that need to be remedied on the installation. Final payment totaling {$16000.00} for the installation is contingent on completion of the project including, most notably, the inspection. Despite having advised me only to speak with him as the company representative due to the complicated installation issues, the Home Depot installation manager stopped returning my calls and text messages on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I was informed by Home Depot that they had sold the account to a collection agency and would have no further involvement with the contract. The installation manager appears to no longer be employed by the company. They refused my request to honor the service and warranty aspects of the contract and even to see if the installation would pass inspection. They are, in effect, requiring full payment for a job that is not complete and for which they state an intention not to honor the life time warranty. 

My request is for assistance with bringing Home Depot into compliance with the contract and to finish the project including inspection. Can you help to bring them back to the table? Otherwise, I am stuck fighting a collection agency for final payment on a project that I will have to pay another contractor additionally to complete the deficiencies so that the project will pass inspection, and despite making full payment, Home Depot would refuse to honor the life time warranty which is a major element of the contract.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX XXXX Code XXXX ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or XXXX XXXX code XXXX XXXX XXXX ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX XXXX XXXX XXXX ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Mortgage

We refianced our home in XXXX with the same company and we were told NOTHING had changed. After an XXXX XXXX XXXX and the realitor whom sold us our home installed malware on our devices in XXXX, we started noticing odd software on our devices so we started digging into everything we own and noticed the paper work after we refianced was different. We have flood insurance and apparently being charged somehow when we dont live in a flood zone. We have grants that are on our XXXX XXXX XXXX that we did not ask for, software thats not ours, and browsing history thats not ours and clearly we have been victims of fraud and identity theft and this has been an on going nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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: Vehicle loan or lease

Toyota Finance took my GAP refund and is refused to pay the refund to me. The balance of the lease was paid in full in XX/XX/2021.
Product: Debt collection

In 2020, a XXXX debt was removed from my credit reports. This debt was alledged to be owed to XXXX XXXX XXXX XXXX, upon successfully disputing this debt with the XXXX major credit bureaus, it was removed from those reports. Thereafter, out was reasserted by another company who purchased this erroneous debt. That Company name is XXXX XXXX XXXX. This company does not have the right to report any financial information under my personal information i.e. social security number. 

As well, the law clearly states that reasserted debt is prohibited from reappearing on credit reports and financially impacting consumers livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2018 I begin my dispute process with XXXX, XXXX, XXXX and ARS concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy.

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate.

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, XXXX, ARS, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX
Product: Money transfers

My name is XXXX XXXX and I sent money {$3500.00} to XXXX to my sister XXXX XXXX through western union for my building project on XX/XX/2017, when she got to the bank to receive the transfer is was informed the money had been picked up and they ca n't even tell her which location the money was picked up at and that I the sender will have to call western union to get that information. I called western union on XX/XX/2017 and reported the issue with them and they gave me a cawe number which is XXXX and told me to call in 20 days and refere to the case number whenever I call, I waited for 10 days and called them and I was told the investigation was completed and they have documentation from the pick up location showing my sister was actually the person who picked up the money, I disputed what the agent told me and she went ahead and gave me another case number which is XXXX and told me I will be receiving a letter no later than XX/XX/XXXX and in the letter there will be copies of the said ID used in picking up the money I never received any letter I called them again on the same day XX/XX/XXXX and the agent told me the agent who told me I will be receiving a mail had misinformed me because they do n't send out letters with such information so she said she was going to put in a request for escalation of my case and that I should call back in 72 hours, I call WU today and another agent told me the case had been closed and he advised me to contact my local law enforcement which the local law enforcement told me the crime was not committed in the county of XXXX and that western union should provide me with the pick up location so we can contact the law enforcement at that location for an investigation to be conducted but western union will never provide me with the location where the money they claim was picked up at I 'm attaching copies of my receipt from sending the money and the fraud investigation case number I think this is a fraud with western union and they need to be investigated
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my Wells Fargo account says my due date for a personal loan is XX/XX/XXXX and the amount owed is {$270.00} So XX/XX/XXXX you make a payment for {$350.00} ( 59 days before due ). After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

So I email Wells Fargo and on XX/XX/XXXX they respond. Our loans are only able to be paid ahead more than 60 days. Mine was done 59 days which is under the 60 days mentioned. 

So I wait a few days and on XX/XX/XXXX I make a {$300.00} payment. After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

I emailed Wells Fargo again and on XX/XX/XXXXthey respond Your personal line and loan can only be paid ahead 60 days. If it is more than 60 days, your payments will be applied to principle only payments. 

Yet XX/XX/XXXXwas 45 days from my due date well within the 60 timeframe. 

So I go to Wells Fargo in XXXX XXXX Mn on XX/XX/XXXX to talk to a banker. The Banker does some research and calls a Wells Fargo Office somewhere. He tells me there was some kind of glitch on their end and isnt sure why things were not changing. 

The good news he tells me is that an automatic transfer from my bank account to the loan in the amount of {$270.00} is still set to go for that day. 

In other words Wells Fargo forced me to pay {$920.00} for a payment of {$270.00}. 

The glitch was Wells Fargos problem not mine. Was given a due date and a payment amount and twice I paid within those guidelines and Wells Fargo refused to honor it.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Someone sent me money on Venmo XX/XX/18. I open an account and was unable to transfer funds. My account is frozen. I provided required documentation but Venmo refuses to send money back to sender or unfreeze account.
Product: Debt collection

XX/XX/XXXX, 2018, Prince Parker send me a letter to collect {$340.00}. 
I called them that this is a wrong collection, but they asked me to call XXXX XXXX XXXX, I contacted XXXX XXXX XXXX many times no way to resolve the issue.