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

My account with 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 me 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 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 card

I received a letter from Bank of America that if I did not use one of my credit cards by a certain date, they were going to close my account. so I called Bank of America on XX/XX/XXXX spoke to XXXX individuals XXXX by the name of despiny The other XXXX XXXX first told me she could take care of me then she reversed course and said I would have to speak to the debit department, so I spoke to the debit department told him I had no debit card if I did, it was destroyed when I received it they told me I had a checking account. I told him I never received any checks from Bank of America and I didnt care to have a checking account. then at the end of the conversation they told me that I had XXXX XXXX to XXXX XXXXXXXX to close my account. I identified myself to the XXXX people above. They had no trouble with my identification Social security number. Date of birth? Account number of the XXXX card I have on person. now they tell me Ive got XXXX XXXX to XXXX XXXXXXXX. I gave them my Social Security number.. I gave them XXXX of the account numbers of the credit card that I have. I think I told him my mothers maiden name I gave him my current telephone number not Once ( repeat ) they never ask me my address where my bills are sent And I XXXX have given it I dont recall. I didnt open this account at the bank with these credit cards so I dont see no reason why I should have XXXX XXXX XXXX miles to close my account I have earnings on these cards. I dont know how much but if not done in the proper amount of time, I lose the earnings automatically. I dont feel like I should have XXXX XXXX to the bank to close my account.
Product: Debt collection

First of all, Portfolio Recovery calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XX/XX/XXXXXX/XX/XXXX!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by Portfolio Recovery which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
Product: Credit reporting or other personal consumer reports

I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to XXXX XXXX, which according to consumer law that is illegal. XXXX XXXX have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization.

15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$4800.00}, XXXX XXXX XXXX  XXXX {$5000.00}XXXX XXXX XXXX XXXX  {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX$0.00}, XXXX {$0.00} XXXX has violated my rights. 

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 a 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 late for any purpose.
Product: Debt collection

I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.
Product: Mortgage

I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.
Product: Credit card or prepaid card

Chase has reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Chase has asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. XXXX have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Product: Credit reporting or other personal consumer reports

I submitted dispute through Equifax via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for XXXX XXXX XXXX  account ( XXXX ). A thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX, further down under historical account information date of last payment is listed as XX/XX/XXXX. However the actual payment amount is showing payment on time up until XX/XX/XXXX. Date of 1st delinquency is listed as XX/XX/XXXX but payment is reflected on XX/XX/XXXX per actual payment amount. Upon further review, on XX/XX/XXXX reflects on time payment but date of last payment is dated for XX/XX/XXXX. This same discrepancies appears on XXXX each month shows on time payment but last payment date reflects XX/XX/XXXX. Same discrepancy continues on XX/XX/XXXX, shows on time payment but last payment date is XX/XX/XXXX. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, Bank of America ( BOA ) charged off an auto loan in the amount of {$34000.00} to my credit report and held me responsible for the vehicle that they committed repossess. I gave Bank of America 's auto department ( A/c ending # XXXX ) all the information that they required to inspect and repossessed the vehicle. 

XX/XX/XXXX, I lost my job, and I was unable to make payments to the auto loan with Bank of America. I called BOA and asked them to take the car. I was told by the representative that a voluntary repossession was not possible because my loan was current ( I had no outstanding payments ). My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX, and I was not qualified for unemployment. I called Bank of America, told them of my predicament and made it clear that they need to pick up the car. The representative told me that BOA would send out someone to inspect the car. I gave the rep the address and location of the vehicle. The rep told me that BOA would pick up the car and deduct the car 's value plus the repair shop cost and billed me difference. I agreed to this solution. Bank of America sent an inspector but did not pick up the car. To date the car is with the repair shop. I am out of a vehicle and stuck with a charge on my credit report that prevents me from obtaining another car loan, buy a house or anything that requires credit. 

On XX/XX/XXXX, I bought a XXXX XXXX. I had a previous auto loan that was paid off with BOA, they authorized the loan. In XX/XX/XXXX the car was involved in accident. XXXXXXXX XXXX  accepted 100 % liability for the damages to the vehicle. XXXXXXXX XXXX issued XXXXXXXX party check XXXXXXXX XXXXXXXX XXXX  AND XXXX XXXX for {$7700.00}, even though I am the registered owner, insured and the titled is in my name only. I never saw the check. It was addressed to XXXX ( listed as driver ), and he took the check to Bank of America, and they cleared check with his only signature. The bank did not get second signature from XXXX XXXX XXXXXXXX XXXX. The body shop was not paid. ( copy attached ). I called XXXX they told me that BOA agreed to send a replacement check because of the error. They deducted money from XXXX account, but they did not replace the check. Bank of America was negligent in handling this transaction. 

I tried to resolve the matter with BOA and the representative who responded, ignored the facts and passed all the blame to me instead of a resolution. My statements were paperless, and all paid in full until I lost my job. Enclosed are my documents to support my complaint, including proof of numerous calls to Bank of America.
Product: Credit card

Date : XX/XX/year> Time : XXXX XXXX Incident : Denied XXXX XXXX Credit Card To Whom This May Concern : I am submitting this report ; due to the fact, that I have been denied in building my credit score numbers. However ; I have tried on several occasions to apply for a XXXX XXXX XXXX XXXX XXXX. 
I have been denied on several occasions.

My credit score is very low and Im trying to achieve a better score.

I dont know why I am getting denied.

Also ; I have had my personal identity stolen quite a few times. But, I have provided my personal information to identify myself. On the contrary ; they have treated me like I was the villain.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Mortgage

I am a Non-XXXX mortgage borrower ( my loan was not under XXXX XXXX or XXXX XXXX ) and I fall under President Obama 's ' plan that " Helps Responsible Homeowners '' keep their homes. I live in XXXX of the most hardest affected financial cities in America affected by the great recession. All homeowners in my city and a large part of the state are under water, owing more on their homes than what it is worth. Before the onset of the recession however, I was given XXXX mortgages in XXXX when I purchased my XXXX home ; that mortgage was provided through XXXX XXXX. The primary loan was an adjustable rate ( ARM ) ; the XXXX was not, but will mature in five years ( XX/XX/XXXX ). 2 1/2 - 3 years later, my loan was sold to XXXX XXXX Bank and soon after that, maybe a year or XXXX later XXXX XXXX XXXX sold my primary loan to Ocwen, who is presently holding my loan. As the XXXX years went by, my payments increased. Then, the housing market dropped. While interest rates were low, I attempted to pay as much on my XXXX mortgage as possible. Then my XXXX salary was reduced due to the economy ; I could no longer place additional funds on my principal. So I called called Ocwen in XXXX to see if I could refinance. They stated that I could not, but offered me the chance to modify. I requested for them to send the information, but I did not follow through with the paper work. I did not follow through as a result that the interest rates dropped even lower, so that provided me the opportunity to try to pay off more dept hopefully to off-set a possibly increase again. During that year, I made calls, to Ocwen and Loan XXXX, a financial affiliate associated with Ocwen and they could not help me refinance ; I went to every bank and loan organization I could think of and they told me I need to go back to Ocwen and that Ocwen should be able to help me. In XXXX XXXX, Ocwen mailed a statement stating my ( primary loan ) payment would increase from $ 790.-XXXX even though my interest rate has and remains at 2.62500 %. I figured then, this was another opportunity to refinance. I called Ocwen about refinancing, and that at that time, I did not qualify for refinancing, but they could send out modification packaging. This time I completed the modification package and returned it in XXXX, XXXX. On XXXX XXXX, XXXX I received a statement form from Ocwen stating that they do not have anything I qualify for. However, they were positive that I qualify for a Short sale, and that I should immediately respond to get the Short sale process active. I did not return the papers. I could not understand. I have never missed a payment ; I have always been on time regarding my payment despite rising costs in consumer consumption, not to mention, as a teacher, my pay will not ever increase again ... ; my credit score is very good, yet I am the only citizen, it seems, in the US, who can not get refinanced or locked into a fixed rate. All I want is a preventive measure put in place so that I can keep my home and afford it. 
I am a responsible home owner.
Product: Debt collection

i receive a minimum of XXXX calls a day, everyday! They start at XXXX and end at XXXX. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an XXXX speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. NONE OF THIS Accurate.. 

CAPITAL ONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have a high interest rate small balance on a CARE CREDIT SYNCRONY bank card. XXXX  XXXX XXXX attempted to do a balance trasnfer for me over 2 months ago, and it never posted. I called CARE CREDIT and was told they do not do electronic balance transfers and had to make a payment and was charged a late fee. They said they would accept a balance transfer check from XXXX and provided an address to send the payment to. XXXX sent a balance transfer check to CARE CREDIT on XX/XX/XXXX for the payoff of {$610.00} and some change. On XX/XX/XXXX, I received a letter from XXXX stating that CARE CREDIT had not applied the check they issued and to please call them and find out why. CARE CREDIT HAS NOW stated they never received the check and that it was mailed to the wrong address. THE CHECK WAS MAILED TO THE address they provided. So now, I am going to be charged ANOTHER late fee and need to pay ANOTHER payment since they can not accept a balance transfer and THEY PROVIDED ME THE INCORRECT ADDRESS TO MAIL IT TO!!!! I was given a XXXX address by the person I spoke with on XX/XX/XXXX, and yesterday, the lady says it's XXXX FL!!!! I asked for a supervisor and was left on hold. I am getting the run around because I am trying to pay off my account with a zero interest rate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX  {$11000.00} XXXX XXXX  {$19000.00} XXXX XXXX {$890.00} 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. XXXX is refusing to remove this information even with the documents that I have sent in.