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

My account with 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 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 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

Upon detailed inspection of my recent credit report, I identified several unauthorized accounts that seem to have been included without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXXank of Americas EDD Card Department for their failure to take responsibility for the financial hardship they have caused me. Due to the banks mismanagement, I was forced into default on a loan, resulting in the loss of personal property valued at approximately $ XXXX that were put up as collateral. 

Despite their direct role in this situation, Bank of America has refused to provide appropriate compensation or acknowledge their responsibility. Their lack of accountability is unacceptable, and their actions have placed me, and likely many other consumers, in a dire financial position through no fault of our own. 

I urge the CFPB to take immediate action to hold Bank of America accountable for their negligence. Consumers deserve fair treatment and should not bear the consequences of a banks mismanagement. I request that the CFPB investigate this matter and ensure that Bank of America provides the compensation I am rightfully owed. 

I appreciate your attention to this urgent issue and look forward to your response. 

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

BMW financial has fraudently, illegally and intentionally reported erroneous information to XXXX. I contracted a lease agreement with BMW Financial in XXXX XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to XXXX Credit bureau , BMW Financial maliciously changed the contracted lease amount from XXXX To XXXX. Also BMW FINANCIAL keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what BMW reported to XXXX in XXXX and now XXXX BMW Financial is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting BMW to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my XXXX CREDIT REPORT. Dont let BMW financial get away with changing loan terms 7 years later. XXXX let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
Product: Debt collection

This company said I have a best buy account debt from 2004 they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a best buy account and a cc with them and it's not through HSBC bank in XXXX ... XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.
Product: Credit card

I have an account with Capital One and we receive a bill in the mail every month. There were a couple of months where we did n't receive a bill and made our payment late. Capital One reported our account 30 days past due on several occasions. I have sent them a couple of letters pursuant to the Fair Credit Billing Act to verify that my payment posted past the 30 day mark and I have not heard anything back. The only response we received was a letter requesting the account number which was already provided. We have simply asked for these 30 day late payment remarks to be removed so that we can move forward on purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries
Product: Credit reporting or other personal consumer reports

Both XXXX XXXX accounts had been paid and the fees where never late I already discussed this with the cards issuer please delete all that late reports every single one of them is inaccurate.
Product: Mortgage

My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment XXXX days early each month and that is XXXX days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by XXXX because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, XXXX XXXX at XXXX, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is XXXX XXXX. 

Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of {$15.00} and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our XXXX account and made the payment, while also changing our auth payment setting to reflect the change. XXXX shows the payment was made today. 

On Monday XXXX XXXX, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than XXXX calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulents accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.
Product: Student loan

I have paid Navient Student loans for almost 20 years ( beginning in XXXX of 2009 ) and have paid nearly {$180000.00} for an original {$60000.00} student loan. For the first 10-years all of my payments were interest only but I did not know that. I was advised to get into an income-based repayment from a Navient rep but they did not ever disclose to me that the payments were not going towards my principal. Furthermore- Navient doesn't provide monthly or annual statements showing what you've paid through the years. I have to review my own personal bank statements for the past 25 years to calculate my full payments. No other operating loan company doesn't provide this information. 

Below are the entire list of my complaints against Navient : Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 

Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 

Harming the credit of XXXX borrowers, including severely injured veterans : Navient tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent XXXX. 

Deceiving borrowers about XXXX requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers. 

Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. Navient failed to deliver on all of the promised relief.
Product: Payday loan

I recently received a call from Hewitt Capital LLC regarding an amount of {$76.00} owed to XXXX XXXX XXXX for a payday loan. I paid this loan off about 3 months ago so it confused me as to why this company was calling me saying I was being charged for a Breach of Contract. They asked me if I wanted to it the voluntary way and I agreed. The person who called threatened me with the XXXX as I am an XXXX XXXX XXXX personnel. I researched Hewitt Capital LLC only to discover that it is a scamming company that bottom feeds from anything they can get their hands on. They are about to charge me {$76.00} that I DO NOT OWE on XXXX. I have attached a picture of the letter they sent me over email, threatening to add {$30.00} if I was unable to pay the amount I owed. The address on letter is from where I was previously stationed.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and all three credit reporting agencies disputing the accuracy of the information being reported against me. The dispute results came back as verified. In frustration one night as I could not sleep, it was about XXXX I remembered that I could file a report with CFPB and I did, however I did not provide supporting documents as I was zombified and wasn't thinking straight, and I am guessing XXXX XXXX sent something along the lines as verified, and the complaint was closed. I consulted a friend who is a consumer law attorney, and he explained that I erred when I did not provide any documentation with my complaint. This is the reason why I am filing a new complaint with the supporting evidence that this account is closed and I have a payment agreement with XXXX XXXX to pay {$50.00} every XXXX  day of the month until the balance is cleared, and I have uploaded the agreement with the payments that were made and will continue to be made until the balance is {$0.00}. I have enclosed a statement from my checking account to show the payment made in XXXX of 2023 and I am pleading for help. XXXX XXXX is using their power to bully consumers like myself who can't afford to hire an attorney. Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice my credit score dropped.

Mohela student loan services had reported the same student loans again for the second time.

So it's showing doubled the amounts on my credit report that have already been reported.

The amount is also for the full amount instead of the amount that I actually owe.

I only owed about {$70000.00} for Mohela but now my credit report is showing {$130000.00} for Mohela.
Product: Mortgage

I filled out my application to lock in my rate with Better.com on Friday, XX/XX/XXXX. In my application, I mention that I need to close on my home by XX/XX/XXXX. Better.com asks me to put down a payment of {$550.00} so an appraiser can assess my home. At this point, they know that I want to close the home on or before XX/XX/XXXX. 

After I pay the money, Better.com assigns me certain tasks to complete and assigns an agent by the name of XXXX XXXX. XXXX emails and texts me, at which point I ask her to call me since her communication was unclear. On the phone and subsequently on the texts, she mentions that Better can not close on my home by XX/XX/XXXX. I tell her that it was unethical of them to charge me {$550.00} knowing fully well that they can't close on my home by my requested date. She offers to refund the money and goes silent after that. 

Another agent by the name of XXXX XXXX reaches out to me on Tuesday, XX/XX/XXXX mentioning that they want to keep my business. He tells me that they can't promise to close by XX/XX/XXXX. I ask him to refund the money. He says he will work on it. 

Later in the evening on XX/XX/XXXX, I receive an email from Better that an appraiser has visited my home. This is beyond unethical. After 2 agents have clearly said that their company can not close by my requested date and have said that they will return me the money that they unethically charged me- they go ahead and send an appraiser anyway. These are unfair and deceptive practices by Better.com and their customers deserve better.
Product: Debt collection

I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Debt collection

I have not received a bill for this charge. Also I do n't remember going to this business for services. I need more information regarding this debt. This is quite confusing to me. I believe it 's a mistake on their part.
Product: Student loan

Hello, Navient is the XXXX XXXX provider. I have a number of complaints about them. They do n't keep accurate records applied loans. Also, during the auto debit action they seem to change the amount on individual loans when it suits them. Very difficult to get a straight answer.
Product: Credit card or prepaid card

Wells Fargo contacted me in the Summer of 2019 indicating they believed my card was being used fraudulently. Multiple charges were being made in XXXX, MD, my home is in Pennsylvania. Of note, I do not have a cell phone, I have a land line only at my home. As such, when they called I was home to receive the call. I indicated those were not my charges. They informed me that they had received a change of address and had then sent a new card to the new address, it is a boarded up row home in XXXX. I told them I have not moved and had not requested a new card. The card was closed and I received a new card. A few weeks later I received a letter from Wells Fargo they had reviewed the charges and determined they were mine. I called the company to dispute this, again, I was home in Pennsylvania when they initially contacted me, I was told I had to submit a rebuttal in writing. I immediately wrote a letter and sent it to the address they provided. A few weeks later I received a bill with late charges. I again called to ask about the status of my rebuttal. They claimed they never received my letter and I needed to submit a new one via fax. I printed my letter and took it to the Wells Fargo office in XXXX, PA. To date I have not received an answer, but did receive another bill telling me I am delinquent and they were closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. XXXX XXXX XXXX My information was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information.