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

My account with those creditos 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 those account 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: Vehicle loan or lease

I am a 100 % XXXX veteran and I recently moved from XXXX to XXXX. I bought a car in XXXX before I left and paid off my vehicle loan with JP Morgan Chase XX/XX/2021. I am trying to sell the car because I don't need it anymore but JPMC has not released the electronic lien and it has been five months. I contacted them about the situation and they were less than helpful. They said they would mail a lien release to the XXXX XXXX tax office in XXXX but, when I spoke to the tag office today I was told that because it was an electronic lien they could not use a a lien release letter and that JPMC is the only ones that can do that. So, JPMC is holding my title hostage. Granted I paid the loan off early but, there is no reason for them to not release the lien. They will not answer my telephone call. 

Contact information for JPMCB Auto Finance XXXX XXXX XXXX Mail XXXX LA XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Good morning, In XXXX of this year I noticed fraudulent charges on my XXXX XXXX credit card. I called the credit card company and advised them of the charges and closed the account. It was quite obvious to see that the charges were not mine. I have a very consistent record of purchases, dollar amounts and purchase locations. The phone representative said he could easily see the charges were not made by me. He told me the card was closed immediately and that no more charges would be put on my account. I told him I did not want another credit card reissued. I then paid my legitimate card purchases balance to take the account to XXXX. I received a confirmation letter that the account was closed, dated XXXX ( letter attached ) In XXXX I had to contact the XXXX XXXX again as they were trying to collect from me the fraudulent charges. The XXXX XXXX phone rep stated the account was closed and they were investigating the charges and I would not be charged any additional fees. I received another letter stating the account was closed dated XXXX ( letter attached ). 

On XXXX ( letter attached ) I received another letter stating the fraudulent chargers were being investigated and no payments would be required. 

On XXXX I was shocked to receive another bill from XXXX XXXX with a NEW charge on XXXX and late fees and interest charges. ( statement attached ) How can they charge me all these items for an account that has been closed since XXXX? I feel this is an attempt at XXXX abuse. This matter has caused me tremendous stress and worry.
Product: Debt collection

I called to settle a debt with convergent outsourcing for {$1000.00} and was told I will get an email confirmation about my debt being paid and havent received the email. I was told that the debt will not be paid to be deleted from my credit. Im in the process of repairing my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit to see a collection account from XXXX XXXX for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.
Product: Checking or savings account

XXXX XXXX my acct was put on restriction at chase bank when I went it it was something that was on my daughters acct ( she was on my acct in case if emergency ). The restriction was put on the acct because a direct deposit of my daughters was returned when the bank had all the information, you see we have the same first name so whoever got the direct deposit information grab the wrong acct and when we went to explain no one would listen her employer even tried to help with the direct deposit they refused to look or even listen to us. This was uncalled for so know they closed the accts but accepted a direct deposit from her employer today now they are holding her payroll check and there is no nsf check on the acct. I bad part I had no notice of this restriction! So all my auto withdrawals and checks and payments got denied and whos going to pay all the fees and embarrassment I had nothing to do with this situation my acct should not have been restricted
Product: Checking or savings account

I filed two previous complaints, the first one was submitted but my bank disputed the wrong transaction so i made another one to correct it because its nearly impossible to get in contact with them. However the last complaint was marked as a duplicate when it wasnt it was to get them to dispute the right transaction. Please help me get this resolved because i really need those funds back and this process has been extremely hard and they havent started investigating the right dispute yet.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX, 2019 with website Company name " XXXX ". I spent {$250.00}. After not hearing or receiving tracking # in a couple weeks. I sent them an email. After not hearing anything, I filed complaint with PayPal ( that's how I paid ) They said give the company until XXXX to respond. Then they emailed me and told me they were change the reason of dispute to " item don't look as advertised '', and I told them no but I have not received anything still, so I should have original dispute. Then Paypal told me file complaint with Internet Crime Complaint Center while or in order for them to continue to investigate. I did that, and sent them the information. Now they are saying wait until XXXX XXXX. I just want my money back, and to never deal with this company again. The company use the name XXXX XXXX with Paypal. The Case # is XXXX.
Product: Debt collection

In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife used my name and identity to collect credit and do online shopping with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hard and soft enquiries and others which I don't know yet. These are all reflected on my credit report and is damaging my credit report.
Product: Debt collection

XX/XX/year> I received a text message @ XXXX FROM TekCollect about an account I had with XXXX. I looked in my spam email and found an email from TekCollect that I owe {$2400.00} of debt. I did see on the side of the email I could dispute if I did not feel the information was correct. I sent out an email to the email provided from TekCollect XXXXXXXX XXXX XXXXXXXX that I would like to dispute the amount owe to XXXX since they filed for XXXX Bankruptcy, and I never received my aligners or service I was going to pay for, and I would get a lawyer and contact the CFPB and FTC . I ended up calling XXXX @ XXXX. I spoke with a man who worked for TekCollect and he told me to contact XXXX XXXX XXXX and speak with them. I told XXXX I was going to fight this. I spoke on the phone with a representee XXXX XXXXXXXX and was told they were aware of the Bankruptcy with XXXX but that I needed to contact TekCollect since it was sent over to them. I called TekCollect back and spoke with another man XXXX XXXXXXXX. I explained the situation and I was willing to work something out. I did inform him about my financial hardship I am experiencing, and he offered a 25 % decreased from the original XXXX. I said I could pay TekCollect {$100.00} each month to pay off this debt, but the man informed me that wouldn't work because I would already have been reported to a credit agency. I ended up calling back TekCollect XXXX XXXX and spoke with the same person I called XXXX XXXXXXXX and asked him if there was anything I could have in writing and that I was willing to work something out with them to pay this off, so I don't get reported. He informed me that he can't do that, and he can't give me a specific date I have to pay this debt off. Halfway through this phone call he stated that the " call was being monitored and recorded for quality purposes. '' I recieved an email from TekCollect XXXX XXXX XXXX XXXX XXXX XXXX  " Please forward your attorney 's information. The financial contract was binding ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was datedXX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX   XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had 6 month premium with XXXX XXXX for an XXXX XXXX XXXX serviced from XXXX XXXX. During the month of XX/XX/XXXX XXXX charged me {$650.00} for the current month and a month in advance. I tried to dispute this with him because I always paid a month to month premium but they stated that they now charged a month in advance and the last month would be free. My vehicle was leased and returned XX/XX/XXXX. Therefore they owed me for the month in advance since I no longer had a vehicle in use. XXXX refused to acknowledge this and continue to charge me {$650.00} now in collections. When I did not render any services from them, since vehicle was returned. Attached you will find my end of lease documentation verifying statement.
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 XXXX Dealer Services Account # 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: Credit reporting or other personal consumer reports

Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I am Challenging Inadequate Documentation : they only provide billing statements or invoices without specific proof, so Im arguing that this is insufficient evidence of the debt. Billing statements alone may not prove that the debt is yours or that they have the legal right to collect on it. And they should have notice identity theft was placed on my account when that information was issued or obtained. Im requesting it be removed immediately. And identify theft was issued on my credit report during the time the card was issued.
Product: Mortgage

I used to be with XXXX XXXX but they sold me to Selene Finance several months ago. I have never been late on a payment and have never received calls about payments until they took over. The first 2 months I sent the payment around the XXXX of the month through my banks online bill pay. Both months they called ( usually by the XXXX or XXXX day of the month ) claiming to not have gotten the payment. Then when I came back at them they reluctantly admitted " oh wait, we do have it but it has n't been posted ''. So I started sending it on the XXXX of the month ( again, XXXX online bill pay ) which worked the first month but today I received another call from them! I have read many complaints about them pretty much saying the same thing. It is so very frustrating to know I 've paid - even way early - and still get a call every month harrassing me and telling me they havent received it. What can I do? Please help!
Product: Credit reporting

Received free annual credit report through Equifax and discovered unknown XXXX account. Called XXXX to inquire about this account, however, they were not able to find this account because Equifax credit report provides only first XXXX digits of the account number. Called Equifax to inquire about full account number and customer service rep, XXXX, said the only way she could pull up and release full XXXX digit account number is if I purchase Equifax Complete Advantage Plan. I agreed, however, after the purchase she informed me that she could only provide first XXXX digits, and not the full XXXX digit account number. This was completely misleading practice to trick customer into purchasing their product. They refused to provide refund. ( Spoke to the supervisor, XXXX, agent number XXXX - he refused to provide refund, instead gave me cancellation/reference number of XXXX )
Product: Mortgage

I began a refinance process with Amerisave in XX/XX/XXXX and it has now been 6 months with no end in sight for the process. 

I followed up with the original loan rep many times during XX/XX/XXXX XXXX XXXX, being assured things were on track and ready to close. In XXXX I learned that there was a change in loan officers and that my application was sitting dormant for most of the 1st 2 months and that Amerisave had not even attempted to start loan subordination processes for a home equity line of credit.

I asked and suggested that we part ways and close the loan request and that my deposit of {$500.00} be refunded. Amerisave refused to refund the fee even though they had done very little work and had completely failed to perform their function as a mortgage company. My refinance should not have been complicated with a 35 % LTV ratio and 2 straight forward subordinations, of which I offered to close a HELOC with {$0.00} balance to eliminate 1 subordination to speed the process. 

4 months, 3 credit checks, 4 paystubs, and a host of other recurring requests for updated information from me later, and still no loan. A title company just reached out this week to ask about information to assist them on this refinance with a subordination, this is more than 5 months into the process! 

I am requesting my {$500.00} deposit back and to walk away from this company which has clearly not performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to remove the following two inquiries that both occured fraudulently on the same day. 

XXXX XXXX  XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into Equifax, as they have violated the Fair Credit Reporting Act by willfully failing to accurate investigate inaccuracies found on my credit report. Equifax is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 
On XX/XX/year>, XXXX XXXX XXXX, a debt collection agency investigated a debt on my credit report and determined it to be inaccurate. The company advised they would be sending notice to all 3 bureaus with 30 days to request this item be deleted from my credit report. XXXX and XXXX deleted the inaccurate account within 10 days. 49 days later, Equifax has not deleted the inaccurate account, instead they closed the account and allowed it to remain on my credit report. On XX/XX/year>, I contacted Equifax and spoke with a representative via phone because at this point, there are 2 accounts from XXXX XXXX XXXX that have been resolved and need to be deleted from my credit report, trying to avoid another 50 day delay, I explained the issue and offered to provide documentation of the XXXX XXXX XXXX ' statement of resolution to this issue. The representative advised she did not want the documentation or the CFBP complaint numbers to verify the information. To date, both of these items remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail where my credit was checked and trans union reported my credit score on XXXX XXXX as XXXX and everything I have access to my score is XXXX. I have been working hard to fix my credit since becoming XXXX and the letter i received said if I had a problem that I needed to contact trans union so I called on XXXX XXXX and the first time I spoke with a lady she said it was XXXX range she would connect me to higher up I waited 42 mins to be hung up on!!! Called back spoke with XXXX he said my score was in XXXX range I asked why they reported XXXX thats over XXXX point difference!!!! He told me he could not check last months score?? We are two days into a new month and my score of XXXX was the whole month of XXXX!!! I asked to speak to his supervisor he put me on hold held for 20 mins. To be hung up on again!! So I contacted XXXX with CFPB to file a complaint. Because I was up set how can a company have so much control over someones livelihood!!! When they cant tell you what your credit score from month to month!! And have a problem and not do everything to help you resolve it? Its like you set use up to fail!!! And when someone is working hard to correct I have an XXXX XXXX XXXX mother and I have medical issues and WE NEED A CAR!!!!! I understand its my problem but help those that are trying to help themselves!!!! AND I WANT TO KNOW HOW THIS HAPPENED???
Product: Debt collection

I have been trying to dispute this debt on my credit report from a company called Trident Asset Management,, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with XXXX but XXXX claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked XXXX to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company.
Product: Credit reporting or other personal consumer reports

To my surprise, this morning I noticed some completely inaccurate accounts on my credit report, and I dont know where they came from. I check my report regularly, and its always been fineuntil now. I thought maybe it was a mistake or a glitch, so I refreshed my browser, but the inaccuracies didnt disappear. I need these documents to be carefully examined because I dont want to keep stressing over this issue.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.