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

with DEPT EDXXXX XXXX XXXX XXXX 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 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 that are reported 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. 


DEPT EDXXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am not Liable for this debt of {$820.00} with LVN FUNDING LLC account number XXXX I do not have a contract with LVN FUNDING LLC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 


15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA 15 USC 1681. It is NOT reporting accurately and is an illegal account. It must be removed.
Product: Credit reporting or other personal consumer reports

In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX You can not report income. Please reference the Privacy Act of 1974.
Product: Debt collection

On XXXX XXXX 2017 a collection for XXXX was placed on my credit profile by Stellar Recovery Inc and I have no idea who this Company is or where this debt came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXXXXXX XXXX Balance : {$760.00}
Product: Credit reporting, credit repair services, 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 FRAUD yet I have inquiries 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 Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX.
Product: Mortgage

XX/XX/, I called customer service at Shellpoint Mortgage Servicing. A lady name XXXX said she would help me. I told her that deceased mom 's shop building had burned while she was living. The insurance company sent a check in her name ( I was guardian and conservator ) to cover the cost of rebuilding the shop that burned. The insurance company said that I could use it toward paying off the mortgage since the house was still standing and still insured. I explained that to XXXX, got a pay off and a date in XXXX that the payoff amount was good until. I told her I had to send 2 checks- one from the insurance company which was to both Shellpoint and my mom. I made up the difference out of my own account and sent 2 checks with a cover sheet that explained the 2 payments. They cashed both checks before the payoff expiration date, however, they did NOT apply the insurance check toward the payoff. They put the check I sent toward payments- including future ones and put the insurance check in loss drafts department. I have been trying since XXXX to get the mortgage company to take care of the payoff per the letter sent with the checks. They had someone in the loss drafts department named XXXX helping me. She had me send a new letter requesting that the insurance check go toward payoff, a letter from XXXX XXXX company stating that their check could be used for payoff, and proof that XXXX had sent a payoff letter, which I couldn't open because it had expired, to her. She quit responding to me after she acknowledged she got all of the documents. Yet, she didn't do anything - and now they are putting the Mortgage Account in default because of all of the fines and fees, while they are holding the large payoff check in loss drafts! I really need help, as I have been trying to do this on my own, and having nothing but problems. No one will help, no calls me back, and no one does anything but hold that check which is over {$100000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, XXXX and TranUnion more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Product: Debt collection

On XX/XX/2021, I contacted The Bureaus Inc. to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The Bureaus Inc. back with a blocked number, by dialing XXXX first then their number. Well, I called The Bureaus Inc. with a blocked number, this time, and got to them at last. But, The Bureaus Inc. told me that they don't own this debt any more and that the XXXX XXXX  owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The Bureaus Inc. somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is incorrect. This request is made under the Fair Credit Reporting Act ( 15 USC 1681 ). 

The following information currently listed on my credit report is incorrect and I request that it be corrected as soon as possible : Incorrect Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, AL XXXX ( XXXX XXXX ) Please correct my address to : XXXX  XXXX XXXX XXXX XXXX, XXXX IL XXXX. 
Incorrect Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please correct my phone number to : XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX. 
Additionally, please delete all information in the employer section as I am currently not employed. 

I appreciate your prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. 

Thank you for your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I asked them to stop all ach debits from my bank account I asked them twice in emails and I called today XX/XX/20 the emails I got no response when I called they told me the needed a different firm of payment. They are charging me 500 % interest on a loan for {$560.00} I have already paid them already {$700.00} I need them to stop debiting my account I also did contact my bank and they told me they cant stop ach debits
Product: Credit reporting, credit repair services, or other personal consumer reports

UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.
Product: Checking or savings account

I received an email on Friday, XX/XX/2022 that my application was processing and shorty after that my account was opened. I did not fill out an application or apply for this account. The account opened was Bank of America XXXX XXXX Banking Account. 

I called and they have stated that the account has been sent for closure. Please confirm the account is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us XXXX with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name XXXX XXXX   accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Experian regarding inaccurate and incomplete information on my credit report. Despite providing detailed information, proof of identity, and proof of address, Experian failed to properly investigate my disputes. 

Experian claimed, " You or a properly authorized third party sent it to us, '' and did not provide a meaningful investigation or detailed reply to my disputes. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specific issues include : XXXX XXXX accounts : Incorrect reporting of past due balances, high balances exceeding credit limits, inaccurate late payments, and incorrect account open dates. 
XXXX XXXX and XXXX accounts : Inaccurate late payments XXXX XXXX collections : No reporting of the original delinquency date and missing creditor information. 
Former addresses : Inaccurate and outdated addresses remain on my report. 
Despite attaching proof of identity and address, Experian has not fulfilled its obligation to investigate my disputes thoroughly or correct the errors. Additionally, by using false claims to justify inaction, Experian is engaging in unfair practices. 

I request that the CFPB ensure Experian complies with FCRA requirements and corrects all inaccuracies in my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries reported 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My information was fraudulenty used for different assets I have inquires I didnt personally request for. I need help removing these inquires it is affecting my score tremendously and it is very frustrating.
Product: Credit card

On the morning of XX/XX/year>, I noticed that American Express had significantly reduced the credit limits on two of my accounts without prior notice or explanation.

The credit limit on my first account was reduced from {$5000.00} to {$1000.00}. This account had a XXXX balance at the time of the reduction. 
On my second account, the credit limit was reduced from {$2000.00} to {$1000.00}. This account also had a XXXX balance at the time. 
These changes were unexpected and unjustified, as I have consistently maintained good standing with both accounts. As a result of the credit limit reductions, my credit utilization ratio increased, which negatively impacted my credit score.

I have not taken any actions that would justify these reductions, and I am requesting that American Express restore the original credit limits and take steps to correct the impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.
Product: Student loan

As of XXXX 2016 Navient charged off my private student loan yet they continue to report different past due amount to the credit bureaus as well as lie about what my monthly payment is. My monthly payment has never been {$440.00} but this is what they are reporting and they keep saying my last payments were different dates. To my understanding if you are going to charge-off an account then you can not keep updating the account status every month as past due with different information. Also I was in a payment plan XXXX of 2016 and made the first 3 payment but then got behind yet they are still attempting to take money out of that account which is not closed even though I do n't keep money in it and that is in the amount of {$250.00}??? every month. So how can they report my account being charged-off, and past due in different amount and still try to take money? I reported them before and all I got was a bunch of lies so hopefully this time will be different.
Product: Credit reporting or other personal consumer reports

These accounts have incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the second time I have disputed this account,   XXXX   XXXX   XXXX  . It does not belong to me. It was put on my account  in   XXXX   XXXX  ,2013 and h as since not reported since    XXXX  2013 .   I  have not been provided with any documents at all. They did n't even respond to  XXXX   XXXX   XXXX  when they tried to contact them to validate in   XX/XX/XXXX .  I looked them up and they are not even licensed to collect debts.
Product: Checking or savings account

A Bank of America regulator called me about my complaint before I left our Florida home in XXXX. Although we spoke at length the bank does not see Nexus, which is higher clearance than even a passport between XXXX and the United States, as a piece of ID available for bank identification. I asked the regulator, how do you think I got into the USA? I said not with my passport but with my Nexus! The regulator said that they would research the trusted traveller site to understand the Nexus, and other ID used by the United States and XXXX. https : //ttp.dhs.gov/ Has this resolved my issue? Not at all! A feeble suggestion to look at the Nexus as a valid piece of ID will do nothing for me banking next time I am at Bank of America. I do not travel with two very valuable pieces of ID as it is redundant. I also had my purse stolen previously and therefore have a concern for the safety of these items. The Nexus ID allows for much more opportunities when crossing the border and at airports without long delays. It is the ultimate ID and already has my passport attached to it and required me to go through much more clearance and interviewing to attain it than the passport. 
This is an ongoing unresolved discriminatory issue between Bank of America and me, and actually the trusted traveller Nexus ID program, which is but one of high security ID available, if they were to review the site. ( TSA pre-check, Global EntryXXXX Nexus, Sentri and Fast ) I suspect they just dont wish to add one more thing into their system for their tellers as valid ID! At the moment there is not this delineation available. There is, however, another discriminatory piece that tellers must not accept valid XXXX drivers licenses with our photos either! 
Thank you for your assistance with this matter. Somehow I am not surprised Bank of America neglected to respond to XXXX as I saw their customer service complaints through XXXX and it is not good! I may just switch banks but I also worry other banks are also not up to speed with what are truly secure ID in the 21st century.