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

My account with XXXX XXXX XXXX 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 XXXX, XXXX 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 never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

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

Recent Equifax Security Breach. Equifax confirmed that my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX Comenity acquired my nflvisa account from XXXX. 
I have never missed a payment on that account and always paid the balance in full before the end of the billing cycle. 
The last transaction posted to the account was on XX/XX/XXXX to pay a charge I had made several days prior. 
The account had a XXXX balance after that payment and the card has not been used at all since that time. 
In XX/XX/XXXX, Comenity reported that the account was 180 days delinquent in XX/XX/XXXX causing my credit score to drop. 
I contacted Comenity by phone and the person there acknowledged that the balance was XXXX on XX/XX/XXXX and there have not been any transactions since then. 
They also acknowledged that the account was in good standing on XX/XX/XXXX but for some reason was marked as delinquent when they acquired the account from XXXX in XXXX. 
I requested that they look into it and correct the report of late payment since it is impossible for me to have a late payment in XXXX when the balance was XXXX seven months prior to that and there have been no transactions since that time. 

Comenity now reports that my account was 180 days overdue every month from XX/XX/XXXX through XX/XX/XXXX even though they acknowledge that there were no transactions at all during this time and the balance due was always XXXX. 

I have asked Comenity to remove the reports of late payments that did not exist but they refuse to do so and will not provide any information to support why they are reporting it is late. All Comenity will do is send me a letter stating " We find that we are unable to make any adjustments to your payment history as requested ''.
Product: Credit reporting or other personal consumer reports

I have contacted LexisNexis several times concerning the situation. Bankruptcy does not report to the credit bureaus. Then they tell me to contact XXXX myself. I did contact them, and XXXX said LexisNexis has to remove the information. It is still showing on the consumer website and reports. Even sent mail to XXXX, and LexisNexis personal. Then when I call today to talk to someone form LexisNexis XXXX XXXX XXXX XXXX, they hung up on me it was a lady that work for them. They dont try to fix the problem at all. Even XXXX and XXXX says the same thing it is LexisNexis not doing anything. Experian person says no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/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: Checking or savings account

I opened a business checking account on XX/XX/XXXX through an advertised Wells Fargo promotion with the following terms : Deposit $ XXXX w/in 10 days, have at least $ XXXX in acct on day 60, and make 5 or more transactions ( including ACH ). 

I completed those terms on XX/XX/XXXX. The promotion advertised that within 30 days of completing terms, {$300.00} would be deposited into my account, which would be XX/XX/XXXX ( which has long since passed ). 

I called XXXX about a week ago ( beginning of XXXX ) and was told by the representative that I had met all terms of the offer and was told to wait another few days for it to post in the account. I waited and nothing posted. I called again and spoke with a representative and then a supervisor. Both of them informed me that unfortunately WF 's system had coded 3 of my external bank transfers as an " online transfer '' as opposed to an ACH. The other 3 were correctly coded as an ACH transaction. Note, all of these transfers were done with an external bank and were ACH transfers ( not wire transfers, ATM deposits, etc. ). The last person I spoke with told me I needed to go into a branch and speak with a branch manager in order to see if they could fix the problem. I don't think it's ethical for WF to make me have to jump through so many hoops in order to get the promotion that I am owed, especially since I was told that I already met all of the requirements before. It seems like WF intentionally coded my transfers as an " non-qualifying transactions '' so that they wouldn't have to fulfill their end of the bargain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with Transunion via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and XXXX via USPS mail in efforts to get these security freezes lifted.
Product: Debt collection

The debt commonwealth financial systems is trying to collect is from a XXXX case. I have informed them that it is not mine and that my company is the one that owes anyone if there is a bill. They said its not their problem and put it on my credit. Please help me get this off my credit and make these people leave me alone with fraudulent debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$570.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XXXX XXXX XXXX  and Bankruptcy XXXX XXXX-dismissed opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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

XXXX XXXX claims that I included the account that appears on my credit report in ch XXXX bankruptcy, first of all that is not the proper way of verifying an account, I asked this company to provide me with the original contract bearing my signature. I dont want to hear what they have to say about a ch XXXX bankruptcy, this account was opened in XX/XX/2013, and it is being reported as XXXX XXXX. As it is required by law and by the FCRA also, I demand to see the original contract that shows my signature in wet ink, where is says that I opened this account and that I ever had a contractual obligation with this company. If this documentation is not available, I demand that this company tells the credit bureaus to delete the account from my credit reports. By law my signature is required for every account that is showing on my credit report and I demand to see the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted Equifax at XXXX about a error shown on my credit report confirmation # XXXX, the disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX  Account Number XXXX 2. The disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX XXXX : Account Number XXXX 3. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX Account Number : XXXX 4.The disputed item is not currently reporting on the Equifax credit file : XXXX XXXX. 
I talked to a lady from Equifax by the name of XXXX she refuse to listen to me about the error on my credit report and Stated to me 1st of  all I am not your baby girl! I then told her i was telling that to my grand daughter i just got off the school bus then asked her did she wan na carry on with the items in error that i am called about she pulsed ( then she hung up on me in the middle of trying to solve a issue with my credit report ). A hour later i was transferred back to the supervisor XXXX who hung up on me she stated to me that the phone call was dropped or lost i said to her that is not true you hung up on me and that is against the law according to the FRCA and CFPB she then asked me if i would like her supervisor i said no i would like to carry on from where we left off, without hesitation she transferred me to her supervisor XXXX Employee # XXXX, XXXX investigated the error and stated to me he see the error but don't know what happened he said to me all he can do is re-open another investigation i told him no i refuse the item should be removed at once the XXXX accounts as well as the XXXX XXXX account due to a error Equifax made, he told me he don't have the authority to remove the error all he can do is re-open a new investigation, once again i told him no I want these accounts removed at once, so he transferred me to his manager, I waited on hold 4-6 min and got a voicemail telling me he will call me within 24 hours i left a massage to a manager voice mail in another country.
Product: Credit reporting or other personal consumer reports

SENT BY EMAIL XX/XX/XXXX TO XXXX  XXXX Re :! XXXX XXXX XXXX XXXX PROCESS ASAP! 4 days to block ( SINCE XX/XX/XXXX ) Now XX/XX/XXXX For XXXX XXXX ( XXXX ) XXXX XXXX VICTIM SINCE XXXX ) ( XXXX ) CONSUMER # : XXXX CASE # : XXXX & ( XXXX ) CONSUMER # XXXX CASE # XXXX They just keep generating new consumer ID numbers new case file numbers to keep creating their own XXXX storm behind-the-scenes so clearly with them not updating my report not even placing a consumer statement on it. Theyre confirming exactly what Ive said. Its a whole bunch of these stupid people, these companies internally stealing peoples information, having access to private information so much so updated addresses so they can order a hit for the persons head all kinds of XXXX  XXXX. You know where Identitytheft.gov spawn from people like XXXX XXXX  experience, XXXX XXXX XXXX all of it so they can sit there and dangle the carrot and hold your life XXXX, because somebodys paying them to do that ( XXXX ) XX/XX/XXXX CONSUMER # XXXX CASE NUMBER : 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 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 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 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 XXXXXXXX OIG FRAUD WITH XXXX & XXXX | XXXX, XXXX, EXPERIAN & US DEPT OF EDUCATION | TERRORISM BUST | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES 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 They do need to explain all these damages. It has to be identity theft this is my website that I dedicated to put all this together for the entire planet so that way they can see just how stupid people really are. 


BLOCK ALL FROM XXXX to PRESENT including XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED, ALL Collections, STATE OF XXXX, XXXX EVERYTHING EXCEPT XXXX XXXX XXXX XXXX CLEARED FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | XXXX Studet loans https : XXXX? XXXX I have provided this information countless times Ive uploaded it countless times Ive done everything countless times and they still refuse to do their job
Product: Debt collection

This is a Everyday call.They have been told to cease and desist any further contact with me. This account is over 25 years old that they are harassing me over. This Portfolio Collection They call Everyday any were from XXXX til XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX  off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
XXXX/XXXX XXXXXXXX****, XXXX/XXXX   XXXX**** , XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, XXXX XXXX****, XXXX/XXXX XXXX****, XXXX   XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX XXXX****,  XXXX XXXX****, XXXX XXXX XXXX****
Product: Mortgage

I hold a mortgage with Midland Mortgage. In XXXX of XXXX and XXXX of XXXX, it is showing that I was 30 and 60 days past due when this information is not correct. During the pandemic, the company stated that there will be no credit reporting as a result of the financial problems that the pandemic caused. I had no issues with my credit report XXXX I recently checked and Midland Mortgage has reported that I was 30 and 60 days past due when this is not correct. I am wanting to see how to get this information corrected. I have reached out to them with no luck.
Product: Debt or credit management

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX of XXXX, XXXX, but when I called XXXX, an agent from XXXX  said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes XXXX days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or XXXX. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$XXXX}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in XXXX and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter.