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

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 60 days 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.

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: Debt collection

I have tried fixing this issue with all three bureaus as account is stating incorrectly. I do not recall having this account. Therefore, I have requested to verify or delete. Account is stating open by XXXX XXXX while collection with XXXX and XXXX there is no way account can be both open and in collection at the same time. Account was previously stating date open as XXXX by XXXX and XXXX currently is stating as XXXX by all three bureaus. Payment history reported nothing were now XXXX is reporting CO as if it was some payment method on a dead account. Date last reported stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX currently reporting XXXX by XXXX XXXX and XXXX by XXXX. XXXX has deleted the day last reported. Previous date last active stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX by XXXX currently stating as XXXX by XXXX XXXX and XXXX while XXXX reports XXXX. Account is being re-age pushing back the date it should fall off that is not acceptable there is no way account can be all of the above open while in collection and reporting inaccurate dates when information is coming from the same furniture data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is illegally reporting information on my credit file without my consent. Their internal policies and practice are illegal and doesnt reflect the law. Their internal policies are not laws. I have sent in several disputes but they are still reporting late activity to this illegal account from XXXX XXXX XXXX in my credit profile while the illegal account is in dispute. I thought while an account is in dispute all reporting activities ceases. I sent in a cease and desist request and nothing came out of it. All other credit reporting agencies removed it except them ( XXXX, XXXX ). They show proof where they removed it in XXXX by the attachment provided but online it was never removed it is still being reported.
Product: Debt collection

General Revenue Services claim to have mailed me debt validation information XX/XX/2019 I am requesting copies of this information to be uploaded to the response in this complaint and mailed to me for my records. I have not received any debt validation or verification according to the Fair Debt Collections Practices Act. 

General Revenue Services has not sent any account billing or details for the amount of {$540.00}. they have place on my credit report - General Revenue Services has also not provided any documents that say they have a right to collect on behalf of any other company for this amount either I am requesting this information be provided with in 5 days of this notice being received This is my 3rd request for debt validation and verification
Product: Debt collection

A company named XXXX XXXX, XXXX from XXXX That went out off business for falsely billing XXXX and was raided by the XXXX. Has a Company Called Alpha Recovery there address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX. They are trying to collect {$1400.00} Saying that a mental heath doctor ordered Labs. I called the mental health doctor and they said they never order labs for me and they don't ever order lab work he is a mental health councilor. 

Here is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

( XXXX ) initial request to mortgage Co., XXXX XXXX XXXX to remove the taxes from escrow account, I wish to pay the property taxes myself at the end of the year ; Rep. advised and I did submit request through online account. 

( XXXX ) speaking with Ins. Dept. Rep. XXXX & Rep. XXXX regarding the XXXX XXXX, it was deemed unnecessary and a request was submitted to remove from escrow account. 

( XXXX ) XXXX XXXX advised request to remove taxes was denied and a letter was mailed ( I never received ), account info stated taxes were unpaid or delinquent, but did not include tax year or amount ( s ). ; I asked for the info to substantiate this but Rep. could not provide ( info not on-file ) which is odd because this info was supposedly used as the basis of their denial to my request. Rep. has submitted an expedite notice on the account. 

( XXXX ) contacted XXXX. and obtained tax receipts from Deputy Tax Collector ( XXXX ) XXXX XXXX advised a new escrow analysis is being run and submitted an expedite notice on the account. I again asked for info based on letter of denial but Rep. could not provide ( info not on-file ). 

( XXXX ) XXXX XXXX advised escrow analysis XXXX # XXXX ) not complete and has submitted another expedite notice on the account. 

( XXXX ) XXXX XXXX could not find record of escrow analysis ( # XXXX ) but provided info on new escrow analysis ( # XXXX ) and tax analysis ( # XXXX ) and advised to check back by ( XXXX ) for resolution ; also stated that account was updated and taxes reported unpaid in XXXX which was false - receipt obtained, taxes paid by prior mortgage Co. ; I spoke to a Team Lead in Customer Service and filed customer complaint ( # XXXX XXXX. 

( XXXX ) uploaded documents online through customer portal and faxed tax receipts to mortgage company, which dispute their letter of denial to my request to remove taxes from escrow account. 

( XXXX ) XXXX XXXX acknowledged they have received documents submitted online and via fax transmittal, and advised to check back in a couple weeks for resolution. 

( XXXX ) XXXX XXXX advised no further info available regarding escrow analysis ( # XXXX ) and tax analysis ( # XXXX ) and advised to check back next month for resolution. 

( XXXX ) XXXX XXXX advised escrow analysis XXXX # XXXX ) was closed and a new analysis was pending, and there was no resolution on tax analysis ( # XXXX ), and further stated, when asked, that mortgage Co. is scheduled to pay property taxes this month. In a manner of disbelief, I expressed to Rep. that my initial call in XXXX was to request just the exact opposite! 

( XXXX ). emailed received and confirmed by XXXX, mortgage company has submitted payment of property taxes. 


This log does not include the complete list of calls I have made to my mortgage company, since my initial call ( XXXX ) to request the taxes be removed from escrow account. But as I have noted, that request has gone unfulfilled!
Product: Credit card or prepaid card

You closed complaint # XXXX in error. I do not think you understood my issue. 

XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance. 

From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

I apologize for the confusion and frustration you have experienced with your XXXX XXXX   account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions. 

After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 

Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!
Product: Credit reporting or other personal consumer reports

Experian claims to investigate my concerns, however my private information is being shared without my consent. In addition I requested Experian provide the Name and address of the person who verified the inaccurate account, the procedure in which the account was verified, and the name and address of the ORIGINAL CREDITOR!!!!! Experian has not provided ANY of these documents required under the Fair Credit Reporting Act, nor did Experian follow COMPLIANCE PROCEDURES outlined in the FAIR CREDIT REPORTING ACT during the dispute process. I have several violations appearing on my credit report to date. Experian has severely damaged me the consumer by continuously neglecting the Fair Credit Reporting Act. I will be filing a notice of dispute as per Experian terms of use agreement for correction to my credit report along with payment for each violation appearing on my credit report and damages to the consumer XXXX XXXX!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto account listed on my report as a charge off, which I have no knowledge of or authorized. This is a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 
Account Name : XXXX Account Number:XXXX Errors Found : This account only shows a " Date of last activity '' on the XXXX  report  but not one on XXXX and this account was verified as accurate which clearly putting false and incorrect statement on my credit report which a direct violation of the FCRA and my consumer rights and I know its is no possible way the accounts were opened on 2 different days. 
Action : Please Delete Immediately Account Name : XXXX XXXX Account Number : XXXX Errors Found : The Date of the last activity on this account is incorrect Action : Please Delete Immediately, so how were these items verified and show as being accurate when there clearly not this is clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX XXXX  Account Number : XXXX This account has the wrong Date of Last Activity on it and The balance on this account wrong, this account was added on to my credit report with out my written consent and that's clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX Account # XXXX Errors : This account is showing the wrong date of last activity on the account and the balance still reporting my credit report, and this account was added on the my credit file without my permission or written consent and I know thats a violation of the FCRA and my Consumer rights, and to top it off this was verified as accurate and I'm not seeing how that is remotely possible if all 3 credit bureaus say something different. 


I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent previously I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Debt collection

My credit report has an unpaid debt that is not mine. A person used my information however the names dont match or any other information except my address. This debt is not mine. I have not had laboratory testing of any kind to be charged this debt. I disputed the debt but its still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Product: Student loan

I paid {$150.00} for 3 months of forbearance and only used one month. I was told to call when i was ready to use the remaining 2 months as I had already paid for them I would n't have to pay again. They are now passing the phone around to other people in the office and laughing at my request. They are telling me to pay another {$150.00} for another forbearance request.
Product: Student loan

I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was harrassed by lexington law for months and after finally accepting there service, they didnt file one single dispute at all after 3 months of payments and other various fees ... wishing i could get my money back and get information about a company that actually helps with credit repair ... is there one out there?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute late student loans with Edfinancial because I did not get any email notifications to pay nor did I get any letter notifications in the mail, so now my credit score dropped my 100+ points.
Product: Debt collection

The equipment has been returned. It went from one collection agency to another once the account was verified as receiving the equipment
Product: Vehicle loan or lease

Ally continues to send statements requesting to make payment. XXXX checks have been sent to them to address this issue, twice. 
Ally Bank refuses to release title from car loan to The total amounts of car loan has been paid. 
Below you will see copies of statement from Ally Bank addressing this issues. 
Copies of checks send to Ally by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times I have attempted to resolve this issue with Transunion. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. Also remove the unauthorized inquiry XXXX XX/XX/XXXX PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE EVIDENCE OF LATE PAYMENTS XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX credit card {$8200.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX ( PAID AS AGREED ) NEVER LATE
Product: Debt collection

im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on my credit.
Product: Credit reporting or other personal consumer reports

Immediate Removal of Unauthorized Inquiries- Legal Demand Dear TransUnion, This is a formal and urgent demand for the immediate removal of the following unauthorized inquiries from my credit report. These inquiries were made without my authorization, and I do not consent to any reporting of them on my file.

I demand that you remove these inquiries immediately. There will be no exceptions or delays. I will not accept any excuses or reasons as to why these inquiries can not be removed.

Unauthorized Inquiries : XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX  ( Reported on XX/XX/year> ) XXXX. XXXX XXXX  ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX ( Reported on XX/XX/year> ) XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX ( Reported on XX/XX/year> ) XXXXXXXX XXXX XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX XXXX ( Reported on XX/XX/year> ) Legal Basis for Demand : Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies, including unauthorized inquiries. The law clearly prohibits credit bureaus from reporting any inquiry that is not authorized by the consumer.

FCRA 604 ( 15 U.S.C. 1681b ) : Under this section, you may only report inquiries that are explicitly authorized by the consumer. I have not authorized any of the above inquiries.

FCRA 611 ( 15 U.S.C. 1681i ) : You are legally obligated to investigate and correct any inaccurate information within a reasonable time ( typically 30 days ). The failure to remove these inquiries constitutes an inaccuracy that violates my rights.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : It is unlawful for you to furnish any inaccurate or unauthorized information to other parties. Re-reporting unauthorized inquiries after being informed is a violation.

Final Notice - Legal Consequences I demand that you remove these unauthorized inquiries from my credit report immediately, no later than 24 hours from the receipt of this letter. Failure to comply with this demand will leave me no choice but to take legal action for willful non-compliance, including : 1. Filing a lawsuit for damages as permitted under the FCRA 616 and 617.

2. Seeking statutory damages, actual damages, and attorneys fees.

3. Contacting the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for a formal investigation.

You are on notice that I will not tolerate any delay or excuse. These inquiries must be removedthis is a final warning. I will take legal action immediately if they are not removed within the prescribed time frame.

Sincerely,
Product: Credit card

Account Number XXXX I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The Navy credit card account ( Account Number : XXXX XXXX XXXX XXXX ) is incorrectly reported as open and showing a 93 % utilization rate, despite being charged off. This inaccurate reporting appears on my credit reports with all three major credit bureaus. 

This reporting violates several provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting : Credit bureaus must maintain procedures to ensure the accuracy of credit information. Reporting a charged-off account as open with active utilization is a violation of this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Creditors are required to report accurate information about accounts. Failure to report the charge-off status correctly violates this section.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : Once a dispute is raised, the credit reporting agency and data furnisher are obligated to correct any inaccuracies.

I request that you promptly investigate this matter and update the reporting to reflect the account 's accurate status as closed due to the charge-off. Failure to correct this information could result in further legal action, as required by FCRA to ensure accuracy and protect consumers.
Product: Credit reporting or other personal consumer reports

I request you to remove these inquiries. I have no information on this, and the company did it without my authorization.