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

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

On XX/XX/XXXX and inXX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a XXXX notice with the IRS in XX/XX/XXXXdeclaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XX/XX/XXXXtax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
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XXXX XXXX has refused to correct/
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I received a derogatory remark on my credit file from Zions Debt Holdings stating that I have a few collections from a security alarm XXXX  they have stated I owe a balance, and I am personally liable for it, but I explained to them that there is no personal guarantee, and that this debt belongs to the business XXXX XXXX XXXX I was only a manager for that company and had authorized access XXXX, general manager for the service. They have yet not to send me any documentation, stating that I have a personal guarantee which I know for a fact I do not, but they keep stating that I still am liable personally for a business corporation that that I am not liable, for they have done kept calling me untruthful, and yet to give me any information or proof that I have requested, I have reached out to XXXX the original company for the debt and had clarification from their side, stating I have no liability, but Zions Debt Holdings says otherwise. Zion Debt holdings keeps calling me from phone number XXXX ( XXXX ) XXXX and keeps pressuring me that I am liable and never is straightforward with providing information. This has been going on for months with no proof. I want them to stop harassing me and to remove this debt from my personal name. Also, from reviewing from XXXX  the main account holder is a person who is a relative of mine who was an executive of the company. Regardless of all this, just please have them do the ethical rights that I have to remove this collections from my credit.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account for 180 days yet I didn't do anything wrong. This happened on XXXX XX/XX/2022. I understand the decision was made for security reasons but this is unfair because I need to pay my school fees ( very urgent ) and bills as I don't have other means for getting money. Kindly assist a desperate case. The email address linked with Paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/AMAZONCML ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.
Product: Debt collection

On XX/XX/2020, I received a notification from XXXX XXXX about a new debt collection account on my credit report. I checked with the credit bureaus and a collection was placed on my account, lowering my credit score 66 points. I disputed directly with the credit bureaus, as I have been a victim of fraud, and have a police report indicating same. I had no knowledge of the collection account. 

On XX/XX/2020, I received a written notification in the mail from Franklin Collection Services notifying me of a collection account with XXXX XXXX XXXX for " Utilities ''. This letter was dated XX/XX/2020 - over seven weeks ago! 

This was the first notice I received and in fact, I didn't know about the collection account until I received a notification from XXXX XXXX. 

I know that I have five ( 5 ) days from the notice of the letter from the collection agency to dispute the debt. However, since they sent me a fraudulent letter in XXXX that was dated over seven weeks ago, they are making it appear like I had received notice, not responded, so they reported this debt to the credit bureaus. That is absolutely not what happened! 

Their fraudulent actions and misrepresentations have led to my credit score being lowered 66 points, over a {$75.00} " alleged debt '' that I had no notice of! 

I have proof that I received the notice ( attached ) on XX/XX/XXXX from USPS Informed Delivery email dated XX/XX/2020. 

They violated my rights, they did not allow me time to dispute the account or request validation of the debt, and they are directly responsible for lowering my XXXX credit score well below XXXX! I have worked extremely hard at building my credit and their fraudulent and improper actions have ripped that from me. 

The credit bureaus will not remove the collection account because Franklin has reported it as a valid debt without providing notice to me or validating the debt. 

In addition to their improper actions, I had placed a fraud alert with all three credit bureaus on XX/XX/XXXX due to receiving notice that my identify has been stolen. I have a police report filed on that same date proving identity theft. 

In addition to Franklin Collection Services 's misrepresentations and violating my rights, the credit bureaus allowed an unverified collection account to be placed on my credit file AFTER I had placed a fraud alert and provided a police report. 

I have been the victim of improper actions by Franklin Collection and by the credit bureaus. My score is drastically lower which will effect many areas of my life - including buying a house, buying a car, my auto insurance premiums, etc. 

I will seek damages if they do not correct their actions and go through the proper, legal channels to verify this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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  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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX Account Number 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX  Account Number # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated.
Product: Debt collection

I sent certified letters to XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX and again on XXXX XXXX disputing the collection account from United Revenue Corp in the amount of {$560.00}. On all three occasions, XXXX stated the information was verified and accurate ; however, no documentation to support their response was sent as I requested, only that the debt was verified. I contacted the creditor directly ( per the direction of XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX XXXX ( the company responded quickly stating only that the debt was verified ) and again on XXXX XXXX XXXX requesting that they validate the debt. The company signed for the certified letters on XXXX XXXX XXXX and again on XXXX XXXX XXXX but I have never received any documentation validating the debt. In fact, United Revenue Corp never responded to the XXXX XXXX XXXX certified letter. I contacted XXXX AGAIN by certified mail on XXXX XXXX XXXX advising that they did not provide any documentation to me and the creditor has not responded to my second certified letter. I received a response from XXXX today, XXXX XXXX XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company did not respond to my second certified letter. This has been ongoing for 6 months now with no resolution.
Product: Vehicle loan or lease

This company wont help us on payments. They want the money for a used 2016 car. they wont work with us. And plus they charge interest every day. And the car was in an occident. I know that they wont let me skip a payment to get it fixed. We contacted our insurance company its XXXX to get it fixed. But Im paying to much money on insurance every month so XXXX stuck. The loan is worth more than the car they want XXXX.its not worth it for a 2016 XXXX XXXX XXXX Its had 3 owners and one accident on it report. I just want out of this loan situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, WITH NEGATIVE ITEMS IN YEAR XXXX, XXXX, XXXX, XXXX, XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX AND XXXX SHOWING " OK '' IN THEIR REPORTING.
Product: Mortgage

Our mortgage was sold by XXXX back in XX/XX/XXXX to Mr. Cooper. At the time we were told no changes would be made just our servicing mortgage company. Unfortunately, this was not the case.XX/XX/XXXX upon logging in to make a payment, I saw a notification of a shortage. My husbands property tax exemption was not transferred over and the shortage that was calculated was incorrect. I was told by the rep to call back 14 days later and it will be corrected. On XX/XX/XXXX I called and it was still not corrected I sent over the information via e-mail and was told it would take some time for them to complete another analysis, but it would be updated. The only thing we are paying via escrow is hazard insurance. On XX/XX/XXXX, I logged in to make a payment to see two conflicting statements. One that said my amount due was {$700.00}. And one below that said my escrow account was short by $ 39 monthly. I called Mr. Cooper and spoke to a XXXX who saw the conflicting information, and transferred me to an escrow rep, XXXX who placed me on a long hold once I explained the math and how the payment amount did not add up. I requested to have the escrow removed, and she said due to the loan not being at 80 % ( short of {$6000.00} ) she would be unable to Remove the escrow. She became very confrontational when explaining the number and I let her know that I was very frustrated because I did not request this transfer or have the ability to review any new terms that were set forth by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile and i was shocked to see unauthorized fraudulent inquiries on my profile this is hurting please remove these fraudulent inquiries as soon as possible XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX
Product: Credit card

I paid a total of {$4300.00} in XXXX of 2023 to pay my Bank of America card off in full, and this amount was confirmed by a Bank of America agent. In XXXX of 2023, I received a statement from Bank of America for {$83.00}, I called to advise this account was paid in full, and I was advised this was interest. I requested and the agent agreed to waive the fee, I was under the impression all had been resolved until I received a 30-late notice from all of my credit bureaus. I have never had a credit card company bill for interest after the card has been paid in full. I was so disappointed with Bank of America that I paid the fee and closed my account. I am also pulling all of my accounts and investments. 

Account # XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced in 2022 for XXXX they gave me a quote of XXXX a month a year later they said my mortgage was going up to XXXX I called they gave me the run around. They finally said my refinance lady had miss calculated the taxes. She had only calculated half the taxes. I would of never agreed she was so misleading.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XXXX  days before the payment due date. 


XXXX EXPERIAN 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 XXXX  days before the payment due date and this information was requested in 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 payments from my consumer reports
Product: Debt collection

IC Systems pulled up some XXXXXXXX  account from Florida. I don't live in florida and never have. I have no idea who they are talking about and there is no way they can verify this as accurate. I will sue all that is involved for messing up my credit score so I can't close on my house.
Product: Debt collection

I received email from my credit card company about my credit score. This scam company is trying to make me pay their so called debts to make payment. So I want to fix my credit score. Scam company name ; Transworld system INC. Reported amount {$1200.00} and {$430.00}. I never received any letter or email or phone from this company. I just know from my credit card company. I already reported to my credit card company, XXXX XXXX XXXX. I appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : 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
Product: Credit card or prepaid card

I went to use my credit card only to find out that they had close my account without even contacting me. Because it has been several months that I used the card they took it upon themselves to close the account. Also this company has bad practice in notifying you before hand of any of their sneaky bad practice when it comes to notifying before hand when they are about to make changes to your account.. If your credit score drop they lower your limit and it does not matter, if you paying your bill on time. They have a bad practice and everyone of my cards that I have with them the lowered my limit. Example I can have a credit limit at {$750.00} they lowered all away to {$100.00} : when I started out with a {$300.00} limit and it was increased to {$750.00} for one card, {$650.00} for another and then {$500.00} for another. The fourth card I had the store closed and reopened, but your card is no longer valid. I'm so done with this practice of this particular bank who have multi cards with different stores.