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

My account with ( XXXX XXXX XXXX, XXXX, XXXX XXXX, TARGET/TD ) 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 ( MONTHS REPORTING 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 ) 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: Debt collection

SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recent check my credit report notice I have fraudulent information on my credit report.Please remove this account from report it is hurting my ability to obtain credit.
Product: Debt collection

I do not believe this debt is valid. Asked for forward flow agreement and chain of assignment.
Product: Mortgage

Following up on complaint number : XXXX Dear Sir or Madam : I am following with the complaint previoslly filed. A representative from bank of America ( XXXX XXXX XXXX XXXX called to discuss the complain and I gave all the facts and surronding of the case for last few months ( which was recorded by her and myself ) She assured this will be resolved and all my concern will be addressed ). I again submitted all the required documents for the modification and was acknowlege receipts and they wanted 3 more items to complete the file. 
To my suprise, I got a letter from Bank of America today indicating my loan is being transffered to a third party company servicing effective XX/XX/2022 that in less than two weeks. 
I strongly feel Bank of America is retaliating againts me for filling the complaint to cfpb, New York Attorney General, DOJ and other agencies. 
I am pleading with your agencies to stop this gross retaliation, discrimination and harrasmment. Please stop the transfer of this file to third immediatelly.. Thank you! 
CC : Borrower
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report out of nowhere. I always check my report, but this time, there were issues that I just couldnt explain. I refreshed my browser hoping it was some kind of glitch, but the errors didnt go away. Im now asking for a careful review of the documents Ive provided so that I can stop feeling so anxious about this.
Product: Student loan

I applied for consolidation of my federal student loans, this was approved. After approval, I noted with XXXX XXXX that I wanted to apply ( which i previously had ) for PSLF. They informed me, after than loan was processed, that my PSLF status was " started over '' and they previous qualifying payments I had made where gone and no longer counted. I have tried twice to cancel this consolidation and was told it was to late. No one, not Fedloan Servicing or XXXX XXXX, informed me that consolidation would restart this and I would loose qualifying previous payments. 

Now XXXX XXXX is saying this is not their responsibility, and I still need to make my payments, which I am aware of. If I reapply for PSLF, my loan goes back to XXXX and thus again I loose my previous qualifying payments. 

I was never informed of how consolidation impacts those on PSLF.
Product: Mortgage

Long and short of it, XXXX XXXX, owned by a company known as Mr. Cooper, has deducted a {$1000.00} escrow payment we made to our previous servicer, XXXX XXXX XXXX, from a {$2500.00} Escrow Balance that transferred when XXXX XXXX acquired our loan. Full documentation of all transactions is provided in the attached files. Question is, where did the {$1000.00} go? A question that's yet to be answered.
Product: Vehicle loan or lease

I am writing to file a formal dispute and request an urgent investigation into the egregious actions committed by American Car Center and Westlake Portfolio Management, which have had a profoundly detrimental impact on my financial well-being and personal life. I firmly believe that their actions represent a flagrant violation of numerous provisions within the Consumer Financial Protection Bureau 's ( CFPB ) codes and federal laws. Specifically, I wish to highlight the following sections that apply to my dispute:1. Failure to Notify Customers and Employees ( CFPB Regulation X ) : ** American Car Center 's sudden closure on XXXX XXXX, without notifying its customers or employees is a clear violation of CFPB Regulation X, which mandates proper notification of such actions to mitigate potential harm to consumers. This lack of notification left me and other customers unaware of vital information concerning our lease/loan agreements. 
2. Failure to Provide Required Disclosures ( CFPB Regulation Z ) : Both American Car Center and Westlake Portfolio Management neglected to provide the essential disclosures required when a lease/loan is transferred, in direct violation of CFPB Regulation Z. These disclosures are critical to empowering consumers to make informed financial decisions.3. Deceptive Acts ( CFPB Regulation V ) : Westlake Portfolio Management 's deceptive email practices, wherein they impersonated American Car Center in their correspondence XXXX XXXX XXXX XXXX XXXX followed by admissions of their true identity, constitute a series of deceptive acts, explicitly prohibited under CFPB Regulation V.4. Cancellation of Warranty Coverage without Remediation ( CFPB Regulation M ) : Westlake Portfolio Management 's unilateral cancellation of my limited warranty coverage, without offering an alternative or refund, directly contravenes CFPB Regulation M, which mandates transparency and fairness in consumer credit contracts. The original agreement with American Car Center included a commitment to address vehicle issues, which they upheld in the past.5. Failure to Provide Loan Documents ( CFPB Regulation B ) : American Car Center and Westlake Portfolio Management 's refusal to provide requested loan documents, offering only a payment history instead, is a blatant violation of CFPB Regulation B, which obligates creditors to provide requested credit information promptly.6. Failure to Provide Notice of Credit Reporting ( 15 USC 603 ) : Westlake Portfolio Management failed to provide me with proper notice regarding their intention to report my credit information, as required by the Fair Credit Reporting Act ( 15 USC 603 ). Their sudden reporting in XX/XX/2023 resulted in a significant and unwarranted XXXX drop in my credit score, causing severe financial hardship. .Thank you for your prompt attention to this grave matter. I eagerly await a resolution that will rectify the injustices I have faced and provide much-needed relief from the hardships caused by American Car Center and Westlake Portfolio Management XXXX
Product: Credit card or prepaid card

Theyre holding me accountable for the charges that were fraud even though Im providing all the documentation such as police report and all other complaints I have made in regards to this issue and my identity theft issue.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also NAVY Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is from a fraudulent address. Please remove
Product: Debt collection

In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **Diversified Consultants ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXXXXXX XXXX and XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) 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 information is inaccurate. 

I let these agencies know about these errors beginning in XXXX of XXXX sent evidence police reports and they continue to report and supply the same information without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit Reports, And I discovered that BB & T # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with BB & T. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****8356. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has continuously pursued an alleged debt that does NOT belong to me. I am not liable for this alleged debt as there is no contract, application nor written consent present therefore this alleged debt is not able to be validated. This company acquired my private information from a source ( social security number ) without prior consent which constitutes both identity theft and securities fraud. Furthermore the collection agency that they stated is handling this alleged debt has confirmed to me that they arent pursuing this debt and that they have no recollection of this account. This alleged debt is invalid and has caused so much financial damage!
Product: Debt collection

XXXX XXXX XXXX, XXXX IS REPORTING IN MY CREDIT REPORT THAT I OWE AN AMOUNT OF XXXX from continental finance but has not provides any proof that this is if fact my debt. It states that this account was opened on XX/XX/2020.
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. 

Account name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 1

5 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 card

On XXXX there was a world wide system outage via global XXXX outage ( you can look it up ) and I was unable to make my monthly payment because the credit cards phone pay system was down. I was advised that any late fees would be waived. I had to call to have the late fee waived and in addition my monthly payment increased from XXXX to XXXX because it includes that late fee. When I called today XX/XX/year> they told me they can't adjust the payment amount and that it didn't go up because of the XXXX late fee, it's because my balance increased which is not correct. I worked in the credit card industry for over 15 years and I went over the terms with agent and supervisor stating that it is the late fee that caused the increase. This is incorrect and they will not adjust my payment amount.
Product: Debt collection

Back in XX/XX/2023 this came up with another loan yhat I never supplied for. I don't know what Kovo is and I never got a loan in another town with XXXX XXXX. I have disputed them numerous yikes but it's still there.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

My credit report displays late payments that are not in line with my normal payment history. Please correct these errors and update my account accordingly.
Product: Money transfer, virtual currency, or money service

I had opened an account with CASH APP back in XXXX or so. I didn't use the app much and then in XXXX when I tried to login to my account, they had closed the account. I called them pricided my info including SS, name, address phone amd email but they could not validate me being the person and they asked me for the amount of the last transaction. 
They wouldn't give me access nor did they send me my money which they are holding on to. Amount about XXXX
Product: Debt collection

It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.
Product: Credit reporting or other personal consumer reports

I want this account to be immediately removed from my credit record as I did not authorize its creation or use. I've enclosed copies of the documentation that back up my assertion.
Product: Credit card or prepaid card

American Express began offering 3 % Cashback on their XXXX XXXX XXXX card this month, and of course it wouldn't be Amex without issues and gimmicks. My first purchase at XXXX  already hasn't been properly credited and all I get is excuses from their chat support
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. EXPERIAN SHOWING SAME ACCOUNT 2X. ONE OPEN & ONE CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!