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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report. 
The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. 

Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Transworld systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number XXXX. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt. 

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete. 

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXXl 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.

( CREDITOR NAME ) 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 card

Bank of America does not provide the option for credit card holders to pay above the minimum on their credit card balances using the autopay feature. This is an unethical practice because it penalizes members who can not pay their full balance each month and are therefore required to pay more in interest and fees. Bank of America is building wealth off those who are least able to pay their full balance, thereby giving wealthier customers additional privileges. 

I opened a new credit card account last fall and immediately set up autopay. Unbeknownst to me, autopay does not go into effect for two billing cycles, which I learned from a customer service representative today. As a result, a couple of payments were late. Upon realizing that the payment was late, I immediately paid {$1500.00} toward the bill and attempted to increase my minimum payment to a larger amount. Bank of America restricted this option, and I could only select to make the minimum payment. The bank also reduced my credit limit and reported on my credit report. This is all within 6 months of opening the account. 

I spoke to a representative this morning who said that Bank of America turned off the option to make more than the minimum payment. This means that customers who are not able to pay the full balance each month are paying more interest and paying over a longer period of time, which is very unethical. I have several credit cards that I have been using and managing for over a decade and have never had any of these issues. My credit score is in the mid-700s, a testament to my commitment to managing my finances well. It's unbelievable that I have to request to pay more than the minimum on my account to pay off the balance faster, which is in my best interest. Bank of America is using its power and privilege to further marginalize customers and build wealth on those who are financially underprivileged
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer Report and noticed that I had 12 late payment on an account that I was never late for. Consumer reporting agencies have assumed have a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) Please investigate and provide with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was never late. thanks,
Product: Mortgage

I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan.
Product: Mortgage

I have asked for assistance since the Foreclosure date was set and given to me on or around XXXX. I have faxed in their application for a modification which Selene verified over the phone when it was received. I have placed many calls to Selene over the last XXXX weeks and as of today, this issue was escalated to the mitigation team for review for the second time, and was advised that there is an issue with cases/emails going to the mitigation team. Today I spoke with XXXX and I was advised that there was an issue she would be reporting in an email of escalation to her manager. 
I reached out to XXXX XXXX from XXXX XXXX XXXX XXXX on about the XXXX to see if they could assist but they do not have funds. 
Anyway, I permitted XXXX to reach out to Selene on our behalf to see if there was an issue or anything she could do. 
XXXX replied to me in an email on XX/XX/XXXX : Hello XXXX and XXXX, I spoke with Selene today. The information I received was that it had not been determined if anything else is needed at this time and takes XXXX - XXXX  days for review. I did ask and confirmed she would send a note to Loss Mitigation for a status update. We will call back in XXXX week - next Thursday, for an update. I did confirm they received all documentation from what she could see, so that is good that the transmission was good. 
If you hear anything different, please let us know. 
Thank you, XXXX XXXX
Product: Debt collection

I am writing to formally dispute an account that appears on my credit report, which I believe is fraudulent and inaccurate. The details of the account in question are as follows XXXX - XXXX XXXX XXXX I recently reviewed my credit report and discovered the presence of the aforementioned account, which I firmly believe is the result of identity theft or fraudulent activity. This account is causing significant damage to my credit score and jeopardizing my financial standing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to XXXX  Debt Final Rule 1002,142 ( b ) ( 4 ) 51002.142 ( 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 am a Victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts. XXXX XXXX {$5700.00}, XXXX XXXX {$640.00}. Also Please Remove The Following Inquires XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX . 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.
Product: Mortgage

DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several inquiries listed on my credit report. These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible purposes of consumer reports ) and 15 U.S.C. 1681c-2 ( Limitations on information sharing ). 
The following inquiries are of concern : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. EXPERIAN XXXXXXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Product: Debt collection

There is a charged-off account from XXXX auto loans on my credit report. While coming through my credit report, I discovered NCB Management Services ( A collection agency ) bought the debt and is now listed on my credit report from all three credit bureaus as a collections account. This has adversely affected my credit.

1. I do not have a contract with NCB Management Services ; therefore, I do not owe their company anything.

2. I have never received any written correspondence from the company. I have never received any information from NCB, regarding the original creditor, the amount owed when the collector purchased the debt, the date of the last payment, and whether the date is passed the statute of limitations.

3. While researching the company, I discovered NCB Management is not licensed in my respective state ( Illinois ) to collect a debt. Illinois law requires a debt collector to be licensed to collect a debt. Therefore, NCB Management Services is not authorized to collect a debt from me.

4. I received an email from an office that I previously worked at and was told the current employee has received numerous phone calls from " NCB Management Services '' despite her telling them, that I no longer work there and that she does not have a forwarding phone number for me.

5. I have received numerous phone calls, allegedly from NCB Management, starting before XXXX XXXX and throughout the day, every day. 

XXXX XXXX XXXX ( ( This is where I saw what states do not require a license to collect a debt. Illinois was not listed ). 

XXXX XXXX XXXX  ( This is per NCB Management Services website . They do NOT have a license listed to collect a debt in Illinois. I am also including a screenshot of the website.
Product: Credit reporting or other personal consumer reports

I am requesting that the bureaus provide proof of my consent or verification of where I gave permission for the credit bureaus to report my bankruptcy. My county clerk office has verified with me that they do not report individuals case filling data to credit reporting agencies, nor do they update information directly to the credit bureaus. I would like a copy of this consent or verification.
Product: Debt collection

Keep receiving phone calls regarding a debt that I know nothing about - phone calls 3 and 4 times a day
Product: Credit reporting or other personal consumer reports

I sent your company ( EQUIFAX ) an FTC letter about the inquries i have on my credit report and also to CFPB abput this matter and your response was it was factual but no documentation was presented on how your company came to this conclusion from these companies that reported these inquries.

I request that EQUIFAX provide these documentations of validation from these companies as part of their investatgation in which by law they have XXXX  days to do so. if these requirments are not meant, EQUIFAX is required by law to remove these inquries off my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted TransUnion to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted XXXX to investigate the reason for my credit score dropping from 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 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from XXXX even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesXXXX TransUnion, and XXXX not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that XXXX, TransUnion, and XXXX have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsXXXX XXXX XXXX TransUnion at XXXX, and XXXX XXXX XXXX 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my account was approved for the hardship program with monthly payments of {$23.00}. I have made each payment going forward and was notified that my account was past due. The letter from Comenity Bank doesn't state reporting of past due balance but simply details the layout of the hardship plan. I was never informed via mail or on the phone that they would report the account late after entering into the hardship program. 
Please see documentation attached.
Product: Student loan

I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX  is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX  lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.