23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed info that BoFA is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. BoFA has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims court.
Product: Credit reporting or other personal consumer reports

According to my consumer report for my XXXX XXXX XXXX XXXX mortgage account, you have a 30-day late payment reported for XX/XX/year>, after confirming with the lender there should be no late payment reported.
Product: Debt collection

XX/XX/1924 Dear to whom this may concern, I am writing in response to the request for The FDCPA thus prohibites debt collector LVUV funding Llc, from among other things using any false, deceptive, or misleading representation in connection with collecting a debt. Id. 1692e.

In addition, the Act provides consumers a means to dispute and request certain information about an alleged debt. Under 15 U.S.C. 1692g ( a ), a debt collector generally must provide consumers with certain information about the debt and about their right to dispute the debt, either in the initial communication with the consumer or shortly thereafter. This information is typically provided in a written notice that is commonly.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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: Checking or savings account

I am the victim of identity theft. My wife passed away almost 3 years ago. I went to Suntrust to open a checking and savings account back in early XX/XX/2020. Some of the features that were supposed to be on my account were not. So I contacted the woman that helped me open the account, XXXX XXXX, to help resolve the two issues, overdraft opt-in and bill pay. Ms. XXXX attempted to help solve these two items but when the claimed fixed never worked, she advised me to contact the tech area of Suntrust. I worked with that department for over a week and the last fix was to delete my online profile and create a brand new one. That ended up working. I made a couple of deposits into my account and used the card for purchases with no issues. On XX/XX/2020, XXXX made a fraudulent withdrawal from my account of over {$90.00} and it put my account into a negative situation. When I became aware of this fraud transaction by an email from XXXX, I immediately contacted XXXX  and told them they committed fraud. XXXX said they would refund the money right away, and it would be replaced onto my account in 3 to 5 business days. I then called XXXX XXXX and made her aware of the situation. She told me not to worry, and as long as I got the account back into a positive, all would be ok. 
I was still able to log into my online account and through the mobile app and see the negative balance. I sent Ms. XXXX a copy of the email from XXXX  showing me they would return my monies in 3 to 5 days. The next day, XX/XX/2020, my account was blocked. I attempted to reach XXXX XXXX, left her a message, and then called Suntrust customer service, and asked them why the block on my account. Suntrust explained it was the branch that had placed the block, so I called the branch and spoke with XXXX XXXX. She told me the block came from the back office area, and to call customer service, and she transferred me there. I spoke with customer service and complained that I was being punished by losing access to my account from being a victim of fraud and ID theft. They told me nothing they could do to resolve the issue, and started a claim to get my account released. I explained how proactive I was in getting the release of my monies wrongly and fraudulently taken by XXXX  back into my account. Plus I had been in constant contact for the day my account was in a negative, I got XXXX  to release the money in one business day not 3 or 5. I did everything in my power to get those monies back into my  account. Plus stay in contact with the branch. Nothing more could have been done by myself, in getting my money returned into my account quickly and keeping the branch informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Disputed XXXX XXXX XXXX To send me a payment History. I have also contacted Experian Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted Experian they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and Expperian say it is accurate.

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

Hello, I've submitted a letter ( XX/XX/23 ) to the credit bureau under the Fair Credit Reporting Act, Section 609, regarding a item that is listed on my credit report. This account was is not mine and I've requested to see the original contract that contains my signature. The company on my credit report is listed as : LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, Im reaching out again because I feel completely stuck and unsupported in dealing with the fallout from my stolen wallet. Since XX/XX/year>, when my wallet was stolen at an event in XXXX, Ive been working tirelessly to resolve the resulting credit issues. Despite quickly canceling my cards and reporting the theft to the FTC ( Report XXXX : XXXX ), I later discovered multiple unauthorized hard inquiries on my credit report. and Ive reported these issues to TransUnion, XXXX, but they are not doing anything meaningful to help. Despite explaining the situation and providing evidence, I feel like Im being ignored. The inquiries, which were clearly fraudulent, remain on my report, and its affecting my peace of mind and financial standing.This has been incredibly frustrating and disheartening. The credit bureaus seem indifferent to the stress this has caused, and Im not getting any closer to a resolution. Im pleading for your help to ensure these inquiries are removed.

I truly appreciate your time and understanding.
Product: Credit card or prepaid card

On XX/XX/2023, Wednesday I received an email message from Amazon, secured my card, saying, Great job! You're now eligible to activate the Store Card features. I excepted the offer. I had problems with the link in the email to accept the offer for the upgrade Amazon Storecard. Synchrony Bank runs both cards. I had to contact them five times to finally got the right department staff. They said they needed me to verify my identity, so they gave me a website link to go on to verify my identity. I have been a customer of their Amazon-secured card for about two years, so I was a little confused. Still, they said this upgrade Amazon Storecard is a much better card, and I get my security deposit back from the secured Amazon card, and a new card will be mailed out to me, the Amazon Storecard. The link they gave sent me to a website to verify my identity with my ID. I kept trying to do it, but the system said my lighting was not good. So it wouldnt let me keep trying, and the representative from Synchrony Bank on the phone said I would get a letter in the mail in the next 7-10 days. The letter came, and they declined me because, unfortunately, based on the results, those checks they did could not verify my identity. I dont understand why you say that when I have been a good outstanding customer for about two years. I did had a credit alert on my credit reports with three major credit agencies to contact me if anyone apply for a new credit the same phone number with Amazon Synchrony Bank is the same number of my credit reports to contact me. I told the representative at Synchrony Bank is that the reason for all this security concerns.
Product: Credit reporting or other personal consumer reports

I want to add a property that I own to my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX
Product: Checking or savings account

On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Charge-Off XXXX XXXX XXXX XXXX  Account Number : XXXX... 
Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to XXXX XXXX XXXX XXXX  with the account number referenced above. According to my most recent credit report, this account is listed as a

charge-off, yet it is still showing a past due balance. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal
guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX charge-off. 
Correct or remove the inaccurate past due balance associated with this charge-off from my credit report.

Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience.

Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 incident date XXXX XXXX  XXXX XXXX XXXX Amount charged {$2800.00} with 26 % interest revolving -MALPRACTICE ON A MINOR. 
-NEGLIGENCE FOR FAILURE TO A INITIAL CONSULTATION. 
-NEGLIGENCE FOR FAILURE TO PRIOR ACCURATE MEDICAL ANALYSIS OR HISTORY CHECK. 
-MALPRACTICE FOR INCOMPETENCE POOR PERFORMANCE. 
-INTENT AND DENIAL TO RIGHT TO CANCEL CONTRACT WITH A LESS THEN-24 HR NOTICE. 
-REFUSAL TO COOPERATE COMMUNICATION LESS THEN -24HR AFTER PATIENT REQUEST TO CANCEL. 
FAILURE -BUSINESS CONTINUED PAYMENT WITH INTEREST FOR NO SERVICES RENDERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING A SCORE FOR XXXX AND XXXX IS REPORTING XXXX SCORES XXXX AND CREDIT WISE IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to log into my account online and notice that my account was locked. I then contacted NetSpend ( Skylight prepaid card ) and was informed that my account was locked because of suspicious activity on my account. After giving them personal information they allowed me to review my account. Upon reviewing my account I found that {$3500.00} was taken from my account over a four day span ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). I inquired why they did not notified me that my account had suspicious activity. She had not answer. We than submitted a dispute for the money taken from my account. They also issue me a new debit card. However no one from the dispute department reached out to speak to me and I continue to call and try to speak with the dispute department and all I get told is someone from the dispute department will call me in 24 to 48 hours and they never call. On XX/XX/XXXX I get a letter informing me that the dispute has been investigated and they found no errors and because I did not changed my pin when they send me a new card the investigation is close. I continue to call them trying to speak to the dispute department only to be told that some will call me back in 24 to 48 hours. The last time I called was on XX/XX/XXXX and to date no one has returned my call. I need assistance getting my money there was 26 ATM withdrawal from my account and not from location that I normally go to. There was also on transaction of {$25.00} paid to XXXX XXXX on XX/XX/XXXX this they returned to me on XX/XX/XXXX. The card Netspend Visa Prepaid Card is issued by XXXX XXXX XXXX, Member FDIC, Pursuant to a license from Visa U.S.A. Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy.

15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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

Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I initiated transaction to convert USD to CAD via " Instarem '' subsidiary of XXXX XXXX. 
I initiated transfer on XXXX at the time of transaction expected delivery time was 4-5 Business Days. 
XXXX XXXX was added as Payee on my XXXX XXXX account and Transfer was executed on XXXX XXXX. 
Since then " Instarem '' status on the transfer is Awaiting Payment. Even after repeated follow ups status us still the same as of XXXX Every time I follow up they provide me with template answers.
Product: Debt collection

I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. The following accounts should be investigated : XXXX XXXX XXXX Balance : {$730.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX  XXXX XXXX Balance : {$81.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX  XXXX XXXX Balance : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there is wrong information in my report.    XXXX   XXXX    XXXX   -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it
Product: Mortgage

I applied for forbearance due to XXXX XXXX and was successful for initial XXXX month forbearance but near end of XXXX month forbearance I elected to apply for another forbearance and they will not give me that option instead sending me loan modification documents where id need to start paying immediately when I can't and when I try to instead select forbearance it now says I'm ineligible, and online it says I would be eligible for at least XXXX  months and up to XXXX months so mr Cooper is not following XXXX XXXXXXXX forbearance guidelines.