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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

XX/XX/XXXX - paid account balance in full {$200.00} online, called Comenity Capital Bank to cancel the credit card. Was told they show I paid my account in full and my credit card would be closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$62.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$210.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received letter Paid In Full Letter from Comenity Capital Bank. 
XX/XX/XXXX - Was notified my payment was due of {$3.00} interest so I again paid in full. 
I don't know how to make this stop, I really need help, Comenity Capital Bank has been no help at all.
Product: Credit reporting or other personal consumer reports

Account not mines, Inaccurate information, Account has been posted on my credit report since the year of XXXX, I have reached out to this company and has disputed this account on numerous occasions., Company never reaches out to me to solve this situation.

Account is still revolving on my credit report as a revolving account til this day, this account should have been removed from my credit report, The account is pass nine years old and it should not be revolving on my personal credit report Account # XXXX
Product: Checking or savings account

i am writing to request your assistance in obtaining why XXXX is refusing to return funds they ( XXXX ) have blocked from my Wells Fargo accounts. XXXX has unfairly deemed that I knowingly particapited in a XXXX person fraud. As stated in all my statements, i was a victim of a cloned phone showing the XXXX callback logo and account take over ( XXXX ) on XX/XX/2022. On XX/XX/2022, I moved funds from XXXX to Wells Fargo for safe keeping until XXXX could guarantee the account ( s ) was safe from fraudulent activity. 
I have attempted on multiple occasions to inform XXXX that Wells Fargo has locked funds that i transferred from XXXX. The XXXX XXXX have repeatedly told me that XXXX does not contact third party banks. I presented this information to Wells Fargo and Wells Fargo informed me that XXXX contacted them ( Wells Fargo ) on XX/XX/2022 via phone and via letter on XX/XX/2022 to lock my Wells Fargo accounts. As of today, Wells Fargo told me that a XXXX representative XXXX ( XXXX ) XXXX XXXX contacted them ( Wells Fargo ) informing them not to release the funds to me. NOTE : I was contacted via phone by a so called Wells Fargo Fraud Dept with an XXXX accent with a XXXX  number. 
XXXX is no longer suffering a financial lose after the movement of the {$5000.00} USD to Wells Fargo. As noted on the XXXX attachment, my bi monthly salary deposit covered the lose caused my the returned {$5000.00} USD draft that I had no knowledge of until after the draft was completed. 
I am begging that Wells Fargo and XXXX can come to realization that the money that is being held by Wells Fargo by request of XXXX is in fact my money not money manufactured by the fraud. Additionally, I have requested multiple times that XXXX fraud contact me thus far XXXX fraud has not contacted me now provided a number to contact them.
Product: Mortgage

My home located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX is being auctioned on XXXX XXXX of this month for the 2014 taxes not being paid. I reached out to Loancare Servcing to resolve the issue, as my taxes were escrowed through them. My XXXX 2014 mortgage statement shows the taxes were paid, but they were never received by the local tax collector. The tax collector said the taxes either have to be paid or I can give them a copy of the cancelled check to stop the auction. I reached out to Loancare, and they have been non-responsive to my request, despite the urgency of the matter. I emailed them on XXXX XXXX, as per their request, and they said they would get back to me in 5-7 business days, and they never did. I call every day and try to speak to the manager ( XXXX XXXX ) at Loancare Servicing, but she never calls me back and no one else can help me. I was told I can not reach the tax department by phone, so I have to just wait. I did fax them all the information in addition to emails and calls I have sent. I need your assistance to try to resolve this matter before the tax sale on XXXX XXXX since Loancare Servicing is not doing their part. Thank you! 

XXXX XXXX XXXX, also XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 2019
Product: Vehicle loan or lease

On XX/XX/XXXX I paid XXXX towards my car note. I mailed the check to po box I was told to pay on principal only, which I did. Three days later I mailed XXXX to the same po box . They are telling me my pay off amount is XXXX which is incorrect be they applied all of that money to the principal and interest!! I have called 4 times now, asked to speak with a manager, asked for an email that they did move the money over to principal ( was told 4 separate times that has been done ) to top it off I filed a dispute with the credit bureaus because it still shows I owe XXXX!!! They are stealing my money they the false interest calculations!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX/XXXX/XXXX - letter sent to Lease company - XXXX  XXXX - about identity theft - XXXX -  XXXX delivered : XXXX/XXXX/XXXX ( attached ) - {$47000.00} XXXX/XXXX/XXXX - Letter received from XXXX  XXXX Fraud Department - form needs to be filled XXXX/XXXX/XXXX - letter ( requested form ) sent to Lease company - XXXX XXXX - ( USPS tracking no : XXXX ) - delivered on XXXX/XXXX/XXXX - FTC 's identitytheft.com law enforcement report included - notarized, as requested ( attached ) XXXX/XXXX/XXXX - letter received from Lease company - FTC 's identity theft - FTC 's report is not sufficient, they need a letter from New Jersey Police - that they are investigating the case XXXX/XXXX/XXXX - reported in New Jersey Police Department the Identity Theft, confirmation issued ( attached ) XXXX/XXXX/XXXX - Police statement sent to XXXX  XXXX ( attached ). They said that they need detailed investigation report from police and until they receive that I am still responsible for a car lease what I never signed ( I was not even in the country ). 

XXXX/XXXX/XXXX - email sent to XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX, XXXX the Attorney General is not authorized to release criminal reports to noncriminal justice agencies. 

So basically XXXX XXXX is ruining my credit score ( e.g. XXXX ) as have put a default on my credit profile as they keep requesting a document what is impossible to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Product: Debt collection

national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$1200.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDITOR ADJUSTERS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Equifax, specifically Equifax 's secretary XXXX XXXX XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pay attention to my problem, I found account and I can not understand how this possible? Why we have poor reporting and scams? This account is not mine and I would like to start investigation and remove this item XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of SSNXXXX RE : XXXX XXXX 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

XXXX  reported to my credit bureau that I was caught up in XXXX. Now the company is saying I am again XXXX months behind despite my continuing monthly payments and getting caught up in XXXX.
Product: Mortgage

I requested a payoff statement on XXXX XXXX, XXXX from a representative at Bank of America which I never received. On XXXX XXXX I called Bank of America and spoke with Senior Customer Representative, XXXX XXXX at Bank of America who provided me with my pay off statement in the amount of {$300000.00}. At this time I sent my presentment and negotiable instrument to Bank of America certified receipt number XXXX. I then received a call from XXXX XXXX who informed me that my paperwork had been process and that I would receive my letter on reconveyance within 7 to 10 business days and that all the other related documents will be sent within the next 60 to 90 days. On XXXX XXXX, XXXX I received my letter of satisfaction ( XXXX Pay Off- LetterOfSatifaction XXXX XXXX/XXXX/XXXX ). Then on XXXX XXXX, XXXX I received my G/L Transaction ( XXXX LNHIST XXXX XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I went to the XXXX Registry of Deeds with the documents that Bank of America sent to me and the informed me that they sent me incomplete paperwork and they would not be able to process my request. I immediately contact Bank of American on XXXX XXXX, XXXX and spoke with XXXX who informed me that she will forward this request Pay off Department and I would receive a follow-up call from that Department. I then called again on XXXX XXXX, XXXX I was informed that they are still investigating. I also called Bank of America on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and was informed that they are still investigating. I then called on XXXX XXXX and XXXX XXXX of XXXX which the phone went to voice mail, left voice mail with no return call. Then on XXXX XXXX, XXXX I received a bill from Bank of America and called them immediately and I spoke with XXXX who escalated to her supervisor. She then asked me " who told me to send those documents " and I responded it 's the law. I then asked her to refer to the XXXX and The Fair Debt Collection Act. She then said that Bank of America will require additional time. On XXXX XXXX, XXXX I spoke with XXXX from the Payoff Department who informed me that Bank of America would respond to me via mail on XXXX XXXX, XXXX. I did not receive anything and called XXXX who informed me that she would require additional time and that I would receive a response via mail on XXXX XXXX, XXXX which again I did not receive. I called XXXX on XXXX XXXX and XXXX of XXXX I had to leave a voice mail but did not receive a call back. Finally on XXXX XXXX, XXXX I received a letter from Bank of America with their false statement of fact which I have included. I have been forthright during this process and have been more that patient. Bank of America has violated my right according to the XXXX, Fair Debt Collection Act, Chapter 63, Emergency Economic Act of XXXX and Joint House Resolution Act of XXXX and they need to held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data. 

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access. 

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance. 
2. To review an individual 's suitability for employment purposes. 
XXXX. To underwrite insurance policies or assess claims. 
4. To evaluate eligibility for government licenses or benefits. 
5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement. 
6. To gather information for legitimate business needs in connection with a business transaction involving the consumer. 
7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports. 

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed. 

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiry : XXXX Date of Inquiry XX/XX/2020