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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION=ACCOUNTS 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 reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2017, I spoke to representative XXXX, I explained to her that I have disputed two incorrectly reported tax liens. I tried to inform the agent these two liens ID # XXXX and ID # XXXX should not be listed on my report, they have been withdrawn. I called out to the number listed on my credit reports, and was told by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they did not report this information to the credit bureaus. The representative XXXX was very rude and stated that she was not going to remove this item nor re-dispute it. I asked her if she could provide me with the name and contact information for the company that they are receiving the information from and she stated that she did not know who they received the information from and was unwilling to assist me. I asked her if I could speak to a supervisor and sh stated that the supervisor was going to tell me the same thing. I asked her again to speak to a supervisor and she stated that the supervisor was busy and that I will need to call back or leave a message. I have been disputing these two liens for the last seven months, and have yet to receive any information on how this is being validated and who is reporting this information, being that both courthouses stated that they did not report this information to credit bureaus.
Product: Credit card or prepaid card

In XX/XX/2020, we purchased 2 tickets to see XXXX at the XXXX XXXX in XXXX, SC. The amount was {$330.00}. Due to Covid, XXXX first postponed her show until XX/XX/2020 then again in XX/XX/2020. I then received a notice saying that the show was cancelled. Citi Advantage has not refunded me my money. I also called Vivid Seats where the tickets were purchased and they said the concert still shows postponed on the website although I have something from ticketmaster that says cancelled. I feel my money should be refunded. No, XXXX XXXX authorized Vivid Seats to sell tickets which we charged on the credit card this event did not take place and we should get our money back!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Experian regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX and XXXX, why isn't is being reported accurately for Experian. Also, after providing proof, Experian still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed.

Also, XXXX has not addressed my complaint regarding my XXXX XXXX ( XXXX XXXX ). I challenged the account and Experian and XXXX removed it, but XXXX did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed XXXX collections on my credit report of {$2200.00} and {$780.00} so on XX/XX/XXXX at XXXX AM I called Paragon to identify what charges they had against me and how to pay them. The agent at that time gave me one account number and asked me not to login for an hour. I logged in right away and saw the total of {$2200.00}. I needed to move some cash onto my XXXX card to pay that which would take a couple days, when I went back a couple hours later the balance amount changed to {$3400.00}. I called Paragon back on XX/XX/XXXX at XXXX PM and requested a detailed accounting and account numbers for the charges below are each balance that total {$3400.00}. 

{$2200.00} {$0.00} {$250.00} {$24.00} {$780.00} {$50.00} When I inquired as to why the first account changed from {$2200.00} to {$3400.00} I was told it had not and I could pay individually, this was a lie and when I pressed I was told the same thing over again. 

After the money was moved to cover the charges on my credit report I logged into each one of these and with the exception of the first account number I received they showed the correct amount. Today when I login each account shows {$3400.00} with no way to pay each account individually. Either Paragon is charging a massive fee or they are forcing a single payment of the total of the accounts. I told Paragon on the last call I needed to be able to address these accounts individually. I fear contacting Paragon because each time I've reached out my situation has worsened.
Product: Debt collection

CKS Prime Investments purchased an old credit card debt. They did not notify me or give me 30 days to validate debt. Instead referred directly to an attorney. My wife recently got served for an old credit card debt also owned by CKS Prime Investments in which she never received any communications from CKS Prime Investments prior to sending to an attorney.

CKS Prime Investments is taking extremely predatory and abusive steps to collect debts using legitimate attorneys as tools to collect while not following laws set forth by the fair credit act.
Product: Mortgage

Midland Mortgage Loss Drafts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I am writing to request that an initial draft of the insurance funds be immediately released to XXXX XXXX and XXXX XXXX so that contractors can be paid to begin the difficult process of rebuilding my home. As of to date, contractors are refusing to take on projects involving insurance proceeds due to a delay in getting payments for work that has already been completed. 

Your collateral and my home remain unrepaired for unsubstantiated and unjustifiable reasons. Thus, it is in both my and Midland Mortgage, a division of MidFirst Bank, interest to have my home repaired without further delay. 

Therefore, by holding up my insurance proceeds, Midland Mortgage is contributing to further depreciation of my home by forcing us the homeowner to involuntarily deposit funds with your organization that should be going toward the process of rebuilding and restoring the asset that is my home and your collateral. Please, in the interest of time, send the account number that the funds were deposited into, the terms of the account, and an account of how the funds are being utilized.

Please immediately provide the name, email, and direct telephone number of a person with authority to collaborate with me and Midland Mortgage to appropriately address this situation. Otherwise, a complaint will be filed to the Consumer Financial Protection Bureau ( CFPB ), the Florida Department of Financial Services, and my attorney. Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Communication between home owner and XXXX XXXX of Midland Mortgage XXXX XXXX XXXX Sat, XX/XX/year>, XXXX to me I am looking into this, and will have my manager review so we can get these funds to you, I am sorry for the delay. I am working on it now and should have a remedy on Monday, I will let you know.

Thank you, XXXX XXXX Servicing Associate II Loss Draft Midland Mortgage, a Division of MidFirst Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XX/XX/year> Good afternoon XXXX XXXX XXXX I am following up with you regarding an appropriate disbursement from my insurance settlement funds to initiate the rebuilding process of my house. 
Please be reminded that this has been going on since XX/XX/year>. 

Kind regards, XXXX XXXX
Product: Debt collection

Talk to a Representative with a credit card company and explain to them that I never own a credit card through them and not even sign with them. 4 year later I am finding out that I got a garnishment with them to pay a debt, I am very confused by this.
Product: Debt collection

My wife was wrongfully accused to pay a balance to an apartment she and I have never lived at before and has gone onto her credit report affecting her credit score. We did try to contact the debt collector to come to a resolution and they are wanting to have us contact their dispute team via Email. I was able to contact the apartments as well and they gave me the telephone number associated with the debt collectors. Also, an active dispute has been also sent to XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the reporting of an account by National Credit Systems ( NATLCRSYS ) on my credit report, as it fails to comply with the accuracy requirements established by the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to validate this account through both the credit bureaus and collection agencies, I have not received a response. I have reason to believe that reasonable procedures were not followed in the validation process, resulting in current violations affecting my credit profile. 

This NATLCRSYS account is inaccurately reported as a collection/charge-off with an open status and a balance of {$3600.00} across all three credit bureaus. XXXX reflects the account as open, while XXXX and XXXX show it as closed, leading to significant inconsistencies. Furthermore, XXXX indicates that the dispute has been resolved, while XXXX and XXXX still note consumer disagreements, creating a misleading impression of my credit history. 

These discrepancies and unresolved notes have negatively impacted my credit standing. Therefore, I kindly request that this account be removed from my credit report due to its inaccurate and inconsistent reporting. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

On XX/XX/2019 We electronically overpaid Citicard {$14000.00}. This card had no balance due and had not had a balance due for several years. We became aware of our error on XX/XX/2019. I contacted Citicard XX/XX/2019 and requested a refund of this money through customer service. I was in contact with the customer service on 4 occasions over the period of the review process which we were told would be refunded electronically back to our account within 3-5 business days. On the 5th day I called for a status report. I was told because of the amount it would take longer and they could not give me a range of dates or any answers to my questions. The representative reported it might take and additional 10 business days but wasn't sure. 

I spoke to a supervisor who told me the same thing. 

Of the 4 different representative I was consistently told 3-5 days, now that the deadline is due I receive a different story. 


As a side - this card has had a zero balance for several years and is kept only as an emergency card.
Product: Debt collection

On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still no response.
Product: Debt collection

I have submitted multiple disputes to this company to validate my debt. Every time i submit a dispute it comes back as verified but not with the supporting documents. I have used different methods to stop the illegal reporting of this account to the bureaus.
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 updated : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your failure to maintain fair and accurate credit reporting, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, consumer reporting agencies are obligated to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past several months, you continue to report inaccurate and unauthorized information without providing any proof of the verification methods used. This failure to comply with FCRA guidelines is both unacceptable and a violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I tried to cash a payroll check drawn from Bank of America at Bank of America. When I went into a Bank of America branch in XXXX, KS and I was told that a {$8.00} fee will be applied since I am not a banking customer. I should not be charged a fee to cash a check at the bank from where it was issued. This means that if I do not have a financial institution I am unable to cash the check for the amount it was written for. This is an unfair practice and a cost that should not be passed on in this manner. The check was written for {$830.00} and was essentially charged a 1 % fee to cash it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : XXXX - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {XXXX - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : XXXX - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : XXXX - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : XXXX - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXXXXXX Balance : XXXX - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
Product: Debt collection

Both of these companies have been trying to collect very old debt from me, I was injured a long time ago and since then have been put on a fixed income so fixed that I had to file bankruptcy. In the case of XXXX XXXX, I had two purchase guarantee agreements with their card they failed to uphold. They agreed to honor their policy which says if my purchase breaks or is not satisfactory I will get a full statement credit. I submitted a complaint and filed a claim with their department for on two purchases totaling about {$4000.00}, I was told my card would be credited that amount from XXXX purchases because my mowers broke and a service center could not be located in my zip code area. I filed an arbitration grievance when I did not get my statement credit and I was ignored. I followed every step on the back of my statement for XXXX XXXX and they still failed to honor their policy. They instead filed suit and damaged my credit. 
The second credit card holder XXXX was advised that I was no longer able to work and afford the large amount of payments from their company, I was advised that I could file for a hardship and have my payment reduced and late payment stopped this ever happened. The account was closed and aged off of my credit reports. Today I received a letter from a lawyer that I was being sued for {$10000.00}. 
Third, both of these should have been included in my bankruptcy and should not be contacting me or trying to seek to collect any debt from me at this point. I was advised that every creditor would have been contacted by the bankruptcy court at the time of discharge.
Product: Debt collection

I was offered a settlement with Citibank who uses XXXX XXXX XXXX XXXX. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.