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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirement
s 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the Transunion to reinvestigate these accounts : Dept of EducationXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.
Product: Bank account or service

In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to update my credit file to maximum accuracy. In the month of XX/XX/year>, I received my credit file and discovered many inaccuracies, which is concerning and has made it difficult to extend credit in my name. I would like to start with addresses I have not lived at and variations of my name. 
I have one name : XXXX XXXX Please update to report this name only in my credit file. 
Also I recieve mail at one residence, sending correspondendce any where else may result in more identity theft because I do not have access to USPS mail at any other address than : XXXX XXXX XXXX XXXX TX XXXX. Please update this and send me my credit file to confirm changes have been made. 

Please see attachments for supportive document.
Product: Debt collection

Credit collection agency is not providing proof of debt owed to them. And they are not removing information off of credit report.
Product: Payday loan, title loan, or personal loan

This is a new loan. The first payment is due on XX/XX/2023. On XX/XX/2023 I contacted the bank and explained that I wanted to make my first monthly payment of {$540.00} as I like to make all of my payments early to stay ahead of my bills. The customer service rep told me that there would be no issues at all and a payment would be credited towards my first monthly payment and not towards the back end principal. After the payment had cleared I noticed that the due date for my next payment due had not changed and was still showing due on XX/XX/2023. I called the bank and explained the situation and was told that the payment was made too early and there was nothing she could do to change it and that I still needed to make a payment before XX/XX/2023. I again explained to her that I made sure to call and ask before making the payment because making a second monthly payment in the same month was not possible. She explained again that it was on me to just deal with it. I asked to speak with a supervisor. The rep put me on hold for 12 minutes only to come back and say that there were no supervisors available that he was on a lunch break. Again she stated that I had to make another payment before XX/XX/XXXX. After this back and forth she placed me on hold for an additional 32 minutes only to tell me to call back later.

There is nothing in my contract stating how early I can or can not make a payment towards my loan due date. It only states that it can not be late. I also have the phone call with the first customer service rep telling me that a payment on XX/XX/XXXX would be credited towards my XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( XXXX ) and 15 usc 1692d ( XXXX  ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( XXXX ). This is a violation of my consumer rights under the FDCPA. This company has called me 99 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( XXXX ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 100. Pursuant to 15 usc 1692k ( XXXX ) ( a ), I am owed {$1000.00} per violation.
Product: Mortgage

I had refinanced with Caliber home loans, but HUD contacted me to collect a debt that I owe them, that debt was suppose to be paid off in my refinance. 
Caliber had missed a payoff during my refinance. They messed up because the title company XXXX XXXX thats mostly owned by Caliber missed the partial claim lein that is public record. So now Caliber has put me in a bad situation. Because HUD has forward my debt to the Department of US treasury and added a 30 % penalty to the debt and is garnishing tax refunds and wages. Caliber and Caliber Fort Settlement title company should take responsibility for what was missed.
Product: Debt collection

Hello, I have been in communication with Portfolio Recovery for about two months without proper validation of this debt from them. I contacted the company via certified mail to validate debt in which they were trying to collecting. 

However, they wrote me back basically saying the debt was verified. They didnt follow protocol in the letter that I sent for the validation process. 

I have sent out a validation debt letter and a 609 letter. We are currently going on month # 3. 

Also, I reached out to the credit bureaus in which they responded to the credit bureaus saying the debt was indeed verified with no actual proof of the validation of debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) Report number ( XXXX ) the identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : 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 credit inquiries I am disputing are as follows : XXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy.

They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Product: Mortgage

I have been working on issues with Freedom Mortgage snice 2019, when the co-borrow on the account filed for bankruptcy chapter XXXX on XXXX XXXX. 

I was told that I would not be affected by any of this but I no longer receive any type of correspondence form the mortgage company and the mortgage company will no longer speak to me. 

My current statement for XXXX states total amount due is {$4400.00} with a partial unapplied amount of {$1000.00} and XXXX 's statement states partial unapplied funds in the amount of {$2400.00} total amount due {$4400.00}. 

I have attached XXXX 's statements on the trans action activity shows XXXX funds XXXX XXXX still shows unapplied funds {$200.00}, {$2200.00} & {$1400.00} I have been told time and time again to " wait and to give it time to catch up ''. 

I can provide you with copies of any statements if needed. 

I am unable to speak with anyone at the mortgage company due to the co-borrower Bankruptcy being filed. 

Her attorney has been following up on this issue for months now and nothing has been resolved. 

I keep getting further and further behind, they keep saying I am behind when I know I should be ahead. 

I just want my statement to reflect that I am now current and no longer behind. I do Not want any funds in the reserve.
Product: Debt collection

I'm a military personnel. I moved from my house in XXXXXXXX XXXX XXXX XXXX before my order. I put my house on the market to get it rented. Visitors coming to see the house, opened the toilet that leaked for about 2 months. I fixed the issue after receiving the bill of {$3600.00}. I requested an adjustment and my closing bill was {$2200.00}. I told them that I'd not be able to make one-time payments but I will make monthly payments. Things that the XXXX refused. I was making my monthly payments when XXXX gave my debt to Transworld Systems a debt collection company that reported twice the same debt in my credits report with XXXX different amounts which are not accurate. 
I called XXXX, they confirmed that the report was not correct because I have only one account with them. 
I contacted the XXXX collection company and they confirmed that it was the same account reported twice. I requested to take XXXX report off to allow me to continue my monthly payments. They seemed compliant the first time I called them but they did not make the modification for about 3 months now. I called them last week to understand why it is not done yet and they said XXXX asked them to keep it in my credit report and they said they don't about that. 
I want them to take XXXX report off my credit report to allow me to continue my monthly payments.
Product: Credit card or prepaid card

I bought a piece of furniture on XX/XX/XXXX. XXXX was supposed to take place XXXX weeks after purchase. On XX/XX/XXXX the company filed for bankruptcy. They were purchased by another company who continued to say that would try to settle debts with vendors so that purchased furniture could be delivered to customers. In XX/XX/XXXX the company canceled my order and had me file a claim against the bankruptcy and be listed as a creditor entitled to payment. The deadline for submitting was XX/XX/XXXX. I emailed the law firm and they said to get back in touch after that deadline. Now they are saying that there will likely not be any reimbursement for unsecured creditors because the debts are too great. My bank is saying that they cant help me because I didnt file the dispute within 60 days.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Bank Of America ran a hard inquiry on my personal credit report with XXXX. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Product: Credit card or prepaid card

I have a Wells Fargo credit card for more than 20 years now. I have not been using for many years and paid on the balance timely for all those years automatically from my checking account. instead of going down somehow my balance kept creeping up. that was not enough for Wells Fargo. they decided to rip me off by abruptly stopping taking automatic min payments and starting to charge me penalty APR and astronomical fees. I never received any calls or letters from them for months and I had no idea that they closed my Wells Fargo account and destroyed my credit report. I did NOT discontinue my automatic min payment, THEY are the ones that stopped taking the payments and posting them to my account. Most of my balance if not all on the Wells Fargo account are their bogus fees and 30+ % interest, my principle bal was probably just a few hundred $ $ if any at all. I tried to negotiate the acc or settle it but I could not get anywhere with Wells Fargo, it 's : pay what we want or XXXX, only threats and harassment. please help me to resolve this.