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 XX/XX/year> and XX/XX/year> 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, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have disputed this situation for years with Trans Union and XXXX Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has created reports that I never instructed nor consented to being made. They also have not exercised their grave responsibility and were unfair, partial and did not respect my right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I appealed a late payment fee for classes dropped prior to the refund ending date. This was mostly due to high phone call volumes for the financial aid office and from the university posting statements the same day as the refund deadline. This made it to where I was unable to get correct and timely information on if my loan would cover my classes. While dealing with this I was also dealing with my advisor not changing my major correctly and then having classes automatically dropped as well. Once the deadline ended I finally reached a useful representative from the university that told me I would have to pay {$600.00} to not have to drop a class. Unable to afford that along with other expenses I dropped the classes. I was charged late registration fees for classes I was automatically booted from. I was hoping at least for the 75 % refund I was guaranteed. Instead, I was somehow charged twice for the same class. Receiving a 25 % refund on one, as well as a 75 % refund on the other. Even though my student account states both classes were dropped on the same day. Which is also proving it was way before the refund deadline. I appealed this in early XXXX and received an email back on XX/XX/2020 from the University and Student Business Services Appeal Team department stating " the appeal process will take a minimum of 10 weeks once we have received all required documentation. Then on XX/XX/2020 I received a message stating " The Bursar 's Office has completed the review of your appeal requesting an exception to the University 's policies. After careful consideration of the documentation provided, we are unable to approve your request. '' I believe this is wrong, deceitful, as well as a terrible way to start out with student loans.
Product: Credit card

Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. 

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

I was a victim of Equifax 2017 security breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account AMERICAN HONDA FINANCE is reporting 30 days late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

Called XX/XX/XXXX spoke with XXXX at Portfolio Recovery advising this account was paid off. She informed me she would put in a dispute. Got letter stating account was correct. Portfolio Recovery sent me replacement statements from XXXX dated XX/XX/XXXX with no further statements. 
XX/XX/XXXX Called XXXX XXXX spoke with XXXX in an attempt to get prior statements XX/XX/XXXX through XX/XX/XXXX. Was told they are unable to get past statements on accounts that are closed and sent to collections. Called Portfolio Recovery with another request for dispute XX/XX/XXXX phoned Portfolio Recovery spoke with XXXX XXXX to dispute again, letter from Portfolio Recovery arrived XX/XX/XXXX again stating the balance is valid. 
Meanwhile I was served with a civil complaint from Portfolio Recovery with a summons for Pre-Trial hearing XX/XX/XXXX. 
XX/XX/XXXX Spoke with XXXX at XXXXXXXX XXXX, she advised me they are unable to provide prior statements on accounts that are closed and referred to collections. 
I retrieved my bank statements from XX/XX/XXXX through XX/XX/XXXX showing payments to XXXX XXXXXXXX XXXX credit card. I e-mailed a copy of these statements showing the payments to Portfolio Recovery and I Certified Mailed a copy of statements showing payments to XXXX XXXXXXXX XXXX credit card with a return receipt. 
I further retrieved a copy of my statements from XX/XX/XXXX through XXXX XXXX. XX/XX/XXXX shows a pmt I made to XXXXXXXX XXXX for {$230.00} and XX/XX/XXXX a payment of {$2300.00}. This shows I may have paid them twice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt
Product: Checking or savings account

My XXXX XXXX XXXX  consumer report shows that there's a derogatory account being reported with a balance of {$330.00}. The account information is coming from wells fargo checkings [ Routing # XXXX ] [ Account # XXXX ]. I do not believe its true. I am requesting that they send me a copy of all my account statements in order to verify the information. If the information reporting is correct then I am willing to settle the account.
Product: Mortgage

My adjustable rate mortgage can not be raised more than 2 % per year. BSI financial sent me a notice attempting to raise it 2 5/8 % a year. I have called several times to talk to the people who do not return my call. 

BSI has already settled with the CFPB for failing to enter interest rate loan adjustment data correctly. A class action lawsuit needs to be filed against them on behalf of all people similarly situated.
Product: Credit reporting

Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.
Product: Debt collection

I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?
Product: Credit card or prepaid card

Bank of America lawsuit. Bank of America open a fraudulent Bank credit card in NY name with out me knowing it. This is the same process that the OCC just fined the Bank of America for fraudulent account fraud.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

I have a mortgage with American Internet Mortgage Company, XXXX. During the first year of COVID-19 pandemic, I was facing a hardship and requested my mortgage payments to be held off per the American CARES act. My mortgage payments were put on hold for the period of 7 months, after which I resumed monthly payments. Since XXXX XXXX  XXXX, XXXX has kept my mortgage in their loss mitigation department. Every time that I contact XXXX loss mitigation department, they indicate that it would take 3 months for the loan to clear the loss mitigation department. It has been more than a year that the company has been communicating the same. In a XXXX XXXX, XXXX call, the company again claimed that the mortgage will clear the loss mitigation department by XXXX XXXX XXXX  XXXX at the latest. It is now XX/XX/XXXX, and the loan is still with loss mitigation department. I have been making monthly payments since XX/XX/XXXX, but unable to make online payments or set up automatic monthly deductions.
Product: Credit reporting or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately on all three of the credit bureau. My credit report states a late payment in XX/XX/year> on my XXXX account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint. I'm now requesting you investigate this account and update these payments to paid on time immediately. I need this inaccuracy removed immediately because I am currently apartment searching and planning to move, and it is impacting me and my credit score negatively. Thank you for your understanding and prompt action.
Product: Debt collection

Company appeared on my credit XX/2017 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting these student loans that I have been. Demanding them to remove. They have already violated millions of consumers rights and dishonored the FCRA. They did not exercise their grave responsibility, they were unfair and they were partial and did not respect my right to privacy. Congressional findings states that i have a right to privacy and i am demnding that it be respected. According to 15 usc 1681b ( a ) ( 2 ) permissable purpose, please show me where I have given written instructions for you to furnish or create this report. Please show me my signature and certifications from the furnishers. I never consented this report in the first place. Remove these accounts that attached immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Company sent me a letter saying they were not going to complete and investigation because they needed proof of identity, address, and my FTC Identity Theft report. Items that I have sent several times and they have on file! This is an obvious stall tactic and is very dishonest. The fail to identify to me what dispute their letter is in reference to. 


Please Credit Reporting Company personnel save these documents and use them as you need and stop behaving like you don't have them! I expect my complaints to be address within 30 days. Stop trying to reset time.