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

My account with VW CREDIT INC was never late! I have had exceptional payment History With VW CREDIT INC and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it 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/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
VW CREDIT INC never sent the periodic statement along with the disclosures from section XXXX ( 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 a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports VW CREDIT INC - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax on numerous occasions that I am not able to see my consumer file/report nor access my credit score since XX/XX/2022 which I need for applying for a mortgage credit transaction. I have been denied from multiple lenders and my consumer file have been pulled from multiple lenders which resulted in multiple hard and soft inquiries.
Product: Money transfer, virtual currency, or money service

Block and XXXX XXXX XXXX XXXX, have engaged in pretexting, negligent and false misrepresentation under false pretenses. On XX/XX/year>, at XXXX, I received a text message from CXXXX XXXX XXXXhat someone sent me {$50.00}, that further action was required to accept this cash and that I should click on XXXX XXXX XXXX XXXX XXXX XXXX 

After clicking the link I could not access the cash. I immediately called XXXX XXXX XXXXXXXX, who told me to access the cash, I had to submit to facial recognition and scan a copy of my driver 's license to verify my identity, then the cash would be released ( when XXXX XXXX knew in advance the funds were not in that XXXX XXXX Account ). After submitting to XXXX XXXX CSR intrusion/pretexting under false terms to steal my personal governmental information with intent to sell or use for its illegal purposes, XXXX XXXX  CSR notified me that the {$50.00} was not under that XXXX XXXX Account. I asked the CSR to speak to XXXX XXXX 's supervisor because I had been hoodwinked. The XXXX XXXX Supervisor I spoke to tried forcing me to undergo the same process of pretexting ( securing personal info. under false pretenses ). 
XXXX XXXX has my personal facial biometrics and driver 's license in their possession, and after several urgent pleas in writing ( verified by XXXX  ), XXXX XXXX refuses to discard my personal biometric and driver 's license and to send me an email verifying the same. XXXX XXXX coerced me to close my account before they would delete all my personal information from their files/system/database. After I submitted to XXXX XXXX 's request, they reneged on their word under false pretense, misrepresentation and guidelines to delete ALL my personal /biometric information from their files/system/database. I have copies of the transactions between XXXX XXXX and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX  AND EQUIFAX on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX  ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This account was charged off as of XX/XX/year>. Since the charge-off date, this account has been inaccurately reporting CO ( charge-off ) entries every month, creating an ongoing payment history for more than two years. Under federal law, charged-off accounts should not report an active payment history beyond the charge-off date. This practice by the creditor has falsely manipulated the date of last activity on my credit report, which is both misleading and unlawful.

Violations of Federal Law The actions taken by this company violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 1. 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers of Information to Provide Accurate Information This law requires data furnishers to report only accurate and complete information to credit reporting agencies. By reporting ongoing CO entries past the charge-off date and failing to update the balance to {$0.00}, the company has knowingly provided false information.

2. 15 U.S.C. 1681s-2 ( b ) : Duty to Investigate Disputed Information After my dispute, the company was obligated to investigate and correct any inaccuracies within 30 days. Instead, they allowed the false reporting to continue, showing no intention of resolving the issue.

3. 15 U.S.C. 1681e ( b ) : Duty of Credit Reporting Agencies to Ensure Maximum Possible Accuracy Experian failed in its obligation to ensure maximum accuracy by accepting and continuing to display this inaccurate information, despite my dispute.

4. 15 U.S.C. 1681c : Obsolete Information and Reporting of Dates By manipulating the date of last activity with ongoing CO entries, the company has violated the FCRAs rules on reporting accurate and relevant dates, potentially extending the period this account remains on my credit report.

Request for Deletion and Compensation As this account has been falsely reported for more than two years, I am demanding : 1. Immediate Deletion : Complete removal of this account from my credit report due to the false and manipulative reporting practices.

2. Compensation for Damages : Under 15 U.S.C. 1681n, I am entitled to {$1000.00} per violation for willful non-compliance with the FCRA. Each monthly CO entry beyond the charge-off date constitutes a separate violation. Therefore, I demand compensation for the harm caused to my credit history and financial opportunities during the entire duration of this incorrect reporting.

Demonstrated Intent to Mislead The continued inaccurate reporting after my dispute, coupled with Experians failure to correct these discrepancies, demonstrates that this company has no intention of changing or correcting the issue. This manipulation is intentional and has caused significant harm to my creditworthiness, including : Suppression of my credit score by over XXXX points. 
Hindrance of my ability to secure fair financial opportunities, such as loans or housing. 
Emotional distress due to the ongoing harm caused by this misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681 ( a ) 2 ( a ) ( 1 ) the term consumer report does not include -- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The way I use my credit card is a transaction that you report as utilization and my payment history is my experience this is clearly against the law
Product: Debt collection

I am disputing the collection account with Jefferson Capital Systems , LLC, account number XXXX, dated XX/XX/2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that Jefferson Capital Systems , LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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 an account without my written instructions.
Product: Checking or savings account

On XXXX XXXX, at XXXX XXXX  XXXX XXXX a duplicate card ending in XXXX was used at the counter to withdraw {$2900.00} from my XXXX  account ending in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX At about XXXX, a telephone transfer of {$4500.00} was transferred from my XXXX account ending in XXXX to my account ending in XXXX. At XXXX XXXX  CST, {$2700.00} was withdrawn at the counter at XXXX XXXX XXXX XXXXXXXX XXXX, TX using the duplicate card ending in XXXX. At XXXX, two attempts were tried at the XXXX XXXX branch ATM for {$950.00} and {$500.00}. They were denied, and I received emails saying I had reached my daily limit. The only card I had issued was used in XXXX XXXX, Michigan, at XXXXXXXX XXXX CST for an ATM withdrawal of {$780.00} with a {$4.00} fee. That is what triggered my daily limit. It was used by a best friend/business partner, XXXX XXXX XXXX 
Even though my daily limit had been reached, Wells Fargo allowed two withdrawals of {$1000.00} and {$500.00} at XXXX and XXXX XXXX  CST at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX at the ATM there. I was told it may have been another type of withdrawal, but the records show it was an ATM withdrawal. There are at least two more police reports at this location for XX/XX/XXXX and XX/XX/XXXX. Detective XXXX said, " Wells Fargo knows they have an ATM problem. '' There are other filings in XXXX XXXX, also. 

XXXX XXXX, Wells Fargo customer for 34 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Product: Credit reporting or other personal consumer reports

I have called both XXXX, XXXX  to fix this issue. XXXX  advised me to call XXXX, while XXXX told me to call the credit reporting agency myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.
Product: Debt collection

I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.
Product: Mortgage

Specialized Loan Servicing ( SLS ) is claiming my loan is delinquent when it is not and I am still in the 60 day RESPA new loan servicing window. 

Upon closing our refinance of our mortgage with XXXX XXXX on approximately XX/XX/2021, the loan was established for servicing with XXXX XXXX XXXX ( XXXX ). XXXX sent us a request in early XXXX for first payment due XX/XX/2021. I submitted a payment that arrived on XX/XX/2021. This payment was applied as a principal-only payment by XXXX, XXXX I did not requested it as a principal payment and sent it to the address for standard monthly payments. On XX/XX/XXXX, I requested the payment be reallocated to a standard mortgage payment of principal+interest for XX/XX/XXXX due date. 

I received notification in the postal mail from XXXX that my loan was being transferred to Specialized Loan Servicing ( SLS ) from XXXX on or about XX/XX/2021. On or about XX/XX/2021, I received a noticed in the postal mail from SLS that my loan had been transferred to them for servicing. On XX/XX/2021 at XXXX a representative from SLS called me to inform me that my loan was delinquent with them. I would not speak to them on a recorded line, so they requested to call me back on an non recorded line. At this time, they have not contacted me again. I am aware that under RESPA I have 60 days to make payments to the original processor of the loan, and the loan is not considered delinquent until 14 days after the due date. This behavior is abusive and misleading to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW Dear Transunion, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors docum
entation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

1, XXXX XXXX Account # : XXXX  2. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX 3. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX  4. XXXX XXXX account # XXXX** 5. XXXX XXXX XXXX XXXX, IN # # # # # XXXX  6. XXXX XXXX XXXX XXXX**** 7. XXXX XXXX XXXX XXXX XXXX**** 8. XXXX XXXX XXXX # XXXX**
Product: Debt collection

I am not liable for the debts with XXXX or XXXX XXXX XXXX and do not have a contract with Portfolio Recovery. On XX/XX/XXXX, Portfolio Recovery began reporting a balance of {$620.00} on behalf of XXXXXXXX XXXX as an open balance on my credit reports with XXXX, XXXX and XXXX. I disputed the debt and asked them to validate the information they are reporting. They did not provide me with the original application like I asked or any signed contracts they claimed I have with this bank or their company. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$1100.00} for XXXX XXXX. I disputed this debt and do not acknowledge ownership of this account. I filed a dispute with the credit bureaus to resolve the issue and the account was not validated or removed. On XX/XX/XXXX ; Portfolio began reportion a balance of {$1100.00} on behalf of XXXXXXXX XXXX to my credit reports. At this point it seems that they are attempting to evade credit reporting laws and report duplicate accounts to my report without providing proof to the consumer. I disputed this account for ownership and somehow, the business was able to slip through the cracks and report the erroneous account regardless of ownership to my credit report for a third time with the same bank. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$670.00} for XXXX XXXXXXXX XXXX to my credit report. I have disputed the validity of this debt with XXXX through XXXX XXXX and the business stated that the information was accurate and the dispute was closed.
Product: Debt collection

XX/XX/2018 I received a copy of a debt letter. I do not have any documents to validate or prove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove an over 30 day late from my credit report and I have a letter from the Credit Union that was sending a check to XXXX to pay off a car loan. The check was lost in the mail and they sent a letter about it and I will attach it. All the other credit agencies have fixed this with no problem. I have disputed 5 times with documentation and they will not remove. XXXX even put a note on my account saying it was a mistake. Im XXXX and never had a late payment in my life so this is really frustrating.
Product: Credit card or prepaid card

For the last few months there has was not payment due there was all XXXX nor minimum payment all XXXX. I began making payments on my own in XX/XX/2018 for {$50.00} then another payment XXXX XXXX for {$41.00}. When I saw a payment due for {$17.00} for the end of this month on XX/XX/2018 I call and enquired. I was told I did not make a payment this month and that I had to pay. I was upset as each time I call I get a representative with a smart mouth. The representatives talk to me like I am XXXX as though I can not add or subtract and I by no means know what I am talking about. I have before tired of the insults. I have proof that I paid when I said I paid and I wish I would have captured a screen shot of the PenFed account page as further proof but it is long gone. ( see attached transfer to PenFed from XXXX ). 

In addition I believe PenFed owes me transfer fees for the transfers made to XXXX XXXX. There were several delays in transferring the money to pay off the high interest rate card and the INTEREST CONTINUED to ACCRUE for MONTHS, by the time the transfer was completed I had secured funds from another financial institution. I believe it is around {$430.00} PenFed owes me. I am positive there should be notation on this account regarding a three way conference call with XXXX about XX/XX/XXXX or XX/XX/2018. If not I am positive XXXX XXXX has this information. The delays in transfer cost me and it appearing this issue with this account is proof as to why there were disturbances within PenFed system. The last representative I spoke said you was behind. My thought is why should I be subjected to these frustrations because of PenFed system issues?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX and XXXX Accounts account # 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