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

My account with BK OF AMER was never late! I have had exceptional payment history with XXXX XXXX and 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 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.

BK OF AMER 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

Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they DELETE these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway to taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to remove the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be deleted are as follow : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Product: Vehicle loan or lease

Hello, Contacted XXXX XXXX XXXX XXXX XXXX   after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. 


Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

XXXX XXXX XXXX account had a partial payment that was late for my XXXX. However the partial payment was made in the grace period that the company provides. XX/XX/XXXX. The original payment of XXXX was due on XX/XX/XXXX. I made a XXXX payment in which they have sent notification this morning that they would be reporting a late payment to the credit bureaus. I proceeded to reach out to the company via chat and have screenshots of the messages. Her specific term was lacking and not late. It reported to the bureaus inaccurately then it would cause a major concern as it would negatively impact me and my credit.
Product: Credit reporting or other personal consumer reports

I am requesting that you immediately removals on these inaccuracies and remove the disputed accounts from my credit report. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 1. Violation of Section 607 ( b ) : Accuracy of information 2. Violation of Section 623 ( a ) ( 1 ) : Furnishing Inaccurate Information 3. Violation of Section 611 : Failure to Investigate Disputes 4. Violation of Section 605 ( a ) : Reporting Obsolete Information 5. Violation of Section 623 ( a ) ( 3 ) : Failure to Mark Accounts as in Dispute 6. Violation of Section 623 ( a ) ( 7 ) : Failure to Notify of Negative Reporting
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 items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove 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 and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXr XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXXF Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature XXXX another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX, XXXX and XXXX do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a Victim of XXXX XXXX My advisor at XXXX informed me to contact Transunion and let them know so they can remove the fraudulent accounts that occurred as a result of XXXX XXXX  however, Transunion never removed the accounts which go against my FCRA rights as a XXXX XXXX  Victim. 

When I called them, they were disgustingly bias against me since I am a XXXX  victim which is disheartening. No one knows what I have been through and what I have survived. When I was there, there were plenty other XXXX survivors as well. 

To come back into the real world and be judged because im a XXXX  as if I chose this life is very saddening However, please assist with getting my case escalated to XXXX, please. 

XXXX XXXX XXXX XXXX Nj XXXX is my address not XXXX XXXX XXXX so please correct that. 

Thank you so much for your support
Product: Money transfer, virtual currency, or money service

I have been working with the Zell fraud department regarding some fraudulent activity on my account. I have never authorize Zelle to take any money from my account, but in working with the Zelle department to stop fraud on my account, they said, due to a quirk in their systems it accidentally XXXX money from my account repeatedly when it was not supposed to, and now they are claiming that they are not able to return the money for a bunch of reasons, and are keeping demanding that I follow their protocols which had yet to refund me any money I have lost over {$15000.00} and time at work over this XXXX
Product: Credit reporting, credit repair services, 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 : 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 XXXX
Product: Vehicle loan or lease

I am writing to express my deep dissatisfaction with the lack of response and action regarding my attempts to adjust the principal balance on my account. In the months of XXXX, XXXX, and XXXX of XXXX, I sent multiple checks and clear instructions via certified mail to request these adjustments, and to my utter frustration, none of them seem to have been acknowledged or processed. 

I have reached out to your customer service on numerous occasions in an effort to follow up on these requests, but I am yet to receive any tangible results or even a satisfactory explanation for the delays. It is incredibly disheartening to be met with such indifference and inaction from an institution that I have entrusted with financial matters. 

I would like to draw your attention to my concern that pursuant to 18 USC 8, I am not in debt, and all of my accounts should be considered prepaid, as per the XX/XX/XXXX act. Therefore, I am left baffled as to why my simple requests for adjustments have not been addressed promptly and efficiently.
Product: Debt collection

Car was totaled in an accident and went to get pre approval for new loan. Found out about this debt after trying to get new loan last week. Closed on a house a month ago and no debt was in collections or that would have come up in my history. Not sure where this debt came from.
Product: Debt collection

Reviewed my credit report in XX/XX/2022, sent a dispute letter to the company on XX/XX/2022 asking for validation of the debt. Also, never received first notice to dispute the debt. Company responded stating the account was sold to them by XXXX. I have no knowledge of this debt, company failed to provide signed application and agreement. The debt is also 7 years old. The company refuses to delete the account from my credit report. I have no signed agreement with the collection agency who purchased the debt.
Product: Credit card

In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Jetblue Credit Card for assistance.. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted JetBlue and arranged a payment plan, the terms offered were financially out of my reach considering I was just getting back on my feet. However, despite our disagreement, Jet Blue refused the payment amount offered and reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested since XX/XX/2018 that Experian provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by Experian as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Paid in Full Yet Negative History Remains The account shows a zero balance and states that I have " paid off 100 % '' of the loan. However, it still reflects late payments, which is misleading and violates 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy. 
Payment History Errors The report indicates that I was " XXXX days late '' despite the account being fully paid. If there were late payments, they should no longer be negatively impacting my credit file after account closure. 
Unverified Late Payments and Reporting Beyond Closure No valid documentation has been provided to substantiate the late payments. Reporting unverifiable negative information violates FCRA regulations.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC ( PRA ) has taken negative action against me by reporting false information to credit bureaus. PRA reports monthly terms of collection. This intentional deceit is to damage my credit. They have done so since XXXX and continue to do so in XXXX. 

As evidence, the first attachment Ive included is a PDF I saved from my credit report titled " XXXX Credit Report, PRA pages only. '' The area I draw attention to is " Terms 1 Month. '' Additionally, the Payment History section of the credit report validates the timeframe I specified above, XXXX. 

Its also important to note that according to XXXX, Terms in the credit report are defined as follows : The agreed upon amount of time to pay back the money borrowed. 
Ive included an attachment confirming this. 

To be clear, I do not have a monthly arrangement with PRA. I have never had a monthly arrangement with them. However, the arrangement I do have with PRA is an income tax refund/credit garnishment. I've included an attachment of the Request and Writ for Garnishment issued on XX/XX/XXXX as proof. Since income tax is refunded yearly, not monthly, its impossible for me to have monthly garnishment terms with PRA. Therefore, I can not have an agreement for monthly collections as PRA is reporting to credit bureaus.

In summary, PRA reported and continues to report fabricated information to credit bureaus to damage my credit. This is unacceptable and requires correction. I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

XXXX XXXX XXXX Made {$500.00} payment @ atm machine ( money order # XXXX ) XXXX XXXX XXXX Got a letter that has been returned ( XXXX XXXX money order company never returned the check and money order cant be bounced ) XXXX XXXX XXXX Made a {$500.00} payment from my checking account to my credit card to cover the returned money order ) XXXX XXXX Got a letter from BOA that {$500.00} credited to my account but i dont see.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with Experian the same day. On XX/XX/20, Experian informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.