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

My account with XXXX XXXX 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 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 that are reported late 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. 


XXXX XXXX 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

On XX/XX/XXXX, I received an unsolicted email from Experian informing me that my credit score had been updated. On XX/XX/XXXX, I attempted to login to Experian.com to view this score. After multiple attempts, I was unable to login and the website informed me my account had been locked and I needed to call Experian at ( XXXX XXXX XXXX  to unlock my account. 

I called and spent about 30 minutes in total navigating the push-button interface and talking to an operator. I answered security questions about my account but the system was down so I was told to call back after 72 hours. I called again the next week and spent another half hour navigating the same problem. The person I spoke with was difficult to understand and was then told the same thing. 

I sent an electronic message to Experian on XX/XX/XXXX informing them of this ongoing problem and I have not received any response ( see attached ). 

Experian is making it virtually impossible to access my credit report and their poor customer service is difficult and tedious to navigate. Their operators are unable to resolve the problem and unwilling to troubleshoot beyond scripted apologies. 

Meanwhile, Experian continues to spam my email inbox urging me to login to my account even though it is impossible for me to do so ( see attached ).
Product: Credit reporting or other personal consumer reports

This is stressing me out as my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX 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
Product: Mortgage

My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement. 
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow. 
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over. 
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.
Product: Credit card

My XX/XX/scrub>XXXX XXXX American Express card payment was due on the XXXX and after returning from a weekend away at a family event I realized I forgot to schedule the payment. So I paid the bill in full on the XXXX. I have XXXX cards from the Amex company and use them for everything including groceries and pay in full every month thousands of dollars. My husband has a platinum card with them and we have personal online savings from American Express. When I asked if they would kindly remove the XXXX dollar fee since I made a mistake they said they reviewed the accounts and I am not eligible. Didn't explain why but as I said I am on time and pay in full every month for years. I called twice XXXX days in a row and the first time even asked for a manager. They treated me like I was delinquent. I told them I will be using other cards from now on. We have multiple accounts with them. Its not the XXXX dollars but the principle. I am a good customer with an excellent credit rating and this treatment is unwarranted.
Product: Debt collection

This company - XXXX XXXX - has repeatedly called me from phone # XXXX, despite my telling them that my employer has a policy prohibiting personal calls. In addition, they not only call my direct line, but they press 0 to get transferred to the operator, then ask to be transferred back to me. The operator will always ask who is calling, so the name of their company is disclosed. They also never leave a message on my voice mail, requesting to be called back, they simply repeatedly call and call. <P/>I have also visited their website and submitted two separate DO NOT CALL forms, asking them to stop calling me, with no success. <P/>Called me at work : X/XX/17 @ XXXX XXXX & XXXX XXXX -- at XXXX I asked them not to contact me at work X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX - asked them to no longer contact me at all X/X/17 @ XXXX XXXX
Product: Debt collection

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I was unaware of as I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). IC System is reporting this false information on my consumer report without verifying it first which also violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
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. 

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 XXXXXXXX, 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 an 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 items 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 card or prepaid card

got this e-mail from Capitol one on XX/XX/22. 

" YOUR IMPROVED EXCLUSIVE OFFER : NOW YOU CAN EARN A LARGER CASH BONUS {$200.00} {$300.00} Your loyalty hasnt gone unnoticed, XXXX. 
XXXX added {$100.00} to your bonus offer. You can now earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
See application terms Click to get details " I was not really in need of a new credit card but I thought this offer was too good to pass up so I applied. My credit is excellent, my income is excellent, there was no need to get another CC but I liked this particular offer, especially the cash back part. I applied ; they did a credit check on me which immediately lowered my credit rating by XXXX points Capitol One declined my application for the original card that they were advertising and offered me a Credit card that did not include the bonus. To me this is a classic case of bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called Citi customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Product: Debt collection

I paid more than {$810.00} for a XXXX '' XXXX XXXX XXXX listed for {$990.00} at XXXX store. The total to be paid was {$1000.00}. Why not lease it company did not send me a letter to pay the difference off and the television would have been bought free and clear as I thought I was doing. However, I received a letter which stated that I have an additional {$1400.00} to buy out the TV, which is a rip off. Mind you, the XXXX attendant that day said that you are buying a TV and paying bi-weekly installments. The advertising was misleading then, because the TV had a sticker price of {$990.00} and I am not going to overpay for a TV that gets devalued everyday with newer models coming out. I was under the impression that I was purchasing it with a bi-weekly payment to pay it off fast. There were no follow up letters to pay off the balance of {$270.00} and they intentionally sold the bill to a collection agency for over {$1700.00}, as if I have never paid one dime for the TV ( a depreciating asset ). You are the ones with bad business practices set out to rip off people under a disguise partnering with XXXX. I would like for you to correct my balance with the collection agency because I paid a substantial amount for fair price of the TV at that time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I have paid the debt and asked if they would remove the collection from my credit report. They told me that i would have to deal with it for 7 to 10 years and there was nothing they would do about it. I was polite and am trying desperately to buy a home and can not with this on my report. Its killing my credit which is already so hard to build. I didnt even know i still owed on the account. I thought it was automatically paid. The balance is now XXXX and still wont remove the collection
Product: Student loan

I have two student loans on my credit report that is showing inaccurate account balances. One shows You paid off XXXX % of this loan however my payment history shows youve made XXXX  % of payments on time. And the other one shows You paid XXXX % of this loan however same as the other loan it shows youve made 100 % of payments on time., This is affecting my credit score and also charging me interest on both loans.
Product: Credit reporting or other personal consumer reports

The collection account reported by Caine & Weiner Co. was reported XXXX XXXX as Paid, but still showing on my credit report tarnishing my ability to obtain credit. I would like for this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Loan XXXX ) appears on my Transunion, XXXX, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, Transunion, XXXX, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my Transunion, XXXX, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are accounts and inquiries in Equifax, XXXX, and XXXX that I did not authorize
Product: Credit card or prepaid card

In XXXX, XXXX, I charged XXXX airline tickets on XXXX XXXX ( the " Airline '' ) to my Chase Ink Business Preferred Credit Card. I cancelled that card and replaced it with another Chase credit card in XX/XX/XXXX. The Airline cancelled all my purchased flights at the end of XX/XX/XXXX due to the pandemic. In early XX/XX/XXXX, I discovered that the Airline had refunded the cost of the plane tickets back to my cancelled Chase Ink credit card. My total charges in this matter amount to {$10000.00}. 

Upon written inquiry to Chase Cardmember Services on XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX, stating that 14 credits were returned to the merchant 's bank with a separate reference number for each of the 14 charges being returned because Chase was " unable to find an account '' for me. The phone number provided by Chase for the merchant is not correct. Further inquiry through telephone communication to the general Chase Card number, a visit to my local Chase Bank, and discussion with Chase higher level help specialists resulted in being told Chase has no other information because my account was purged from their system. I faxed the attached letter to Chase Card Services on XX/XX/XXXX requesting further information but have received no response to date. 

The representative in the XXXX XXXX XXXX XXXX has stated that the airline has no way to trace or check whether they received the funds from Chase without further information, including the date and time and exact amount of each wire that was sent. Chase has indicated to me they do not have this information. 

If it had been disclosed to me that my credit card account would be " purged '' and all account information deleted by Chase and no refunds would be possible in the future, I would not have cancelled my credit card.
Product: Debt collection

I received a letter in XXXX from the lawyers office saying that I owed {$1300.00} I am immediately called them and asked if that was all that was owed they said yes I have made over {$700.00} in payments to this account yesterday I got a letter in the mail saying that with the same account number they now have a judgment against me for {$1400.00} when I called and asked how this could be they said they added {$800.00} in interest but I do n't understand how they can do this when the second amount is more than the first amount I need a lawyer that can help me they are financially harassing us I am afraid this is never going to stop with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase on a credit card from Wells Fargo and specifically told them I did not want them to look at my credit report. They insisted it would not be touched. 

A letter dated XX/XX/XXXX with a XX/XX/XXXX credit score from XXXX  were provided. This was an illegal use of my credit report.
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 XXXX XXXX {$16000.00} Account number XXXX Account name XXXX XXXX XXXX $ XXXX {$14000.00} reflecting XXXX different numbers on different bureaus Account number XXXX Account name XXXX  XXXX XXXX XXXX {$1800.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$3900.00} Account number XXXX Account name XXXX XXXX XXXX {$460.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$15000.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$620.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 XXXX 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

I have old Debts that I personally dispute and do NOT remember as well as the fact all three of these debts listed on my Credit Report are beyond the 4 years " Statute of Limitations '' in the State of Texas. I have attempted several times over the past year to Dispute these Debts claimed as accounts with the XXXX XXXX XXXX right here in XXXX Texas. However, I feel they must be violating my rights by not taking action to follow thru with my Dispute and the three items {$510.00}, {$500.00} ( Strangely Alike amounts from same Original Company as if charged twice ) and {$71.00}. I 'm making this official complaint against the XXXX XXXX XXXX and would like to resolve the issue about these three Old Debts and have the information removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out and here is the Tracking #. 
XXXX and XXXX. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have attached the updated credit reports still with inaccuracies across the bureaus after these items were verified according to the law. 

Accounts : Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX