23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 XX/XX/year> 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: Mortgage

My fianc and I reached out to NFM Lending in XXXX to start the process for an FHA loan. We were looking to sell our home and find a bigger house for our growing family. We advised NFM Lending I had some credit card debt I would like to pay off with our tax return when we received it. With the understanding raising my credit score would improve our interest rate. We paid off my credit card in early XXXX but were advised by NFM Lending that it might be best to wait until XX/XX/XXXX so everything could clear on the credit report. We listened. 
NFM Lending was fully aware my fianc and I would be applying for the loan together, just like we did the first time we used XXXX at his previous company. 
My issues is, raising my credit score meant absolutely nothing as NFM Lending advised they take the lower, middle of the peoples scores applying for the loan. My finaces credit score was about XXXX points lower than mine. Not one question or statement was ever made about my fianc 's credit. 
This issue would have been avoided completely if NFM Lending did their job and advised us that they would have to take the lower middle of the 2 scores in XXXX. 
We found out in XXXX we couldn't get approved for our new loan due to our debt to income ratio. I completely understand, NFM Lending couldn't do anything about that. That said, the interest rates to refinance were at least a full percent lower in early XXXX than in XXXX. If we knew in XXXX we couldn't sell our house, I would have refinanced right then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act XXXX  XXXX XXXX and TD Bank USA XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts on the attached file are from XX/XX/2015 and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!
Product: Payday loan

A few weeks ago I had a an overdraft fee from first Virginia, I called them to ask why they 'd taken so much from my account. I do recall setting up an ACH auth in XX/XX/2010 but this time they took too much, and last week took another payment which caused ANOTHER NSF. The problem is I 'd filed a complaint with a manager about how the collections specialist and team supervisor was rude. A few days after that, I set up a payment arrangement with another rep for XX/XX/XXXX yet they took the money several days sooner even though I was only 3 days late. I think it was a form of retaliation and shady collection practices. I called my local branch and was advised the collections dept should not have taken a payment when I had a payment arrangement set up.
Product: Debt collection

Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later XXXX cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.
Product: Debt collection

On XX/XX/XXXX I place a phone call to a collection agency known as : High Mountain Funding Inc . 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, Etc. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, High Mountain Funding Inc, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX is reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - High Mountain Funding Inc reported XX/XX/XXXX on my XXXX Credit Report XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : Open. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular collection agency that warrant this complaint for their unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX 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 card or prepaid card

XXXX XXXX for XXXX store credit card. 
I had an opened account as described above. I did not use the card. There was a bill for {$9.00} that I do not believe came from me. I was never sent a bill. The account was updated to my new address and they never sent a bill via the mail or email. I found out about the issue after a phone call from some computer talking machine that mentioned XXXX. I could not ask the machine any questions. I did not know what this was about. I researched and found they reported me as being 30 days late to XXXX and XXXX. I am naturally reluctant to pay a bill until found out more details. I called XXXX XXXX and the person spoke in broken english. So I wrote a dispute letter and faxed it to the number given by XXXX XXXX. I new time was important. XXXX closed my account the day after I faxed my dispute. I believe it is illegal to take collection action after the account has been disputed. This is very suspicious on their part. 
They do n't me a bill. There is questionable charge for {$9.00} on my account. They charged me a late fee plus interest and want to collect {$32.00} for a {$9.00} product I never received. I have called them and they speak with broken english. I am happy to pay a bill that I actually owe after I receive it in the mail and have an opportunity to review the charges. I am even more upset that they have the power to place derogatory information on my Credit Report. I believe the law clearly states that no collection activity can take place until the dispute is resolved. 
That means the cant take any negative action on my account and must remove the information reported to XXXX XXXX and XXXX. They also can not close my account which they did after they received the dispute via fax. Please help hold these people accountable for their violation of my rights and the laws that are there to protect the consumer. If they do this to me, just think how many people have been violated by these people.
Product: Checking or savings account

On XX/XX/2022, a freeze was placed on my business account, at the time XXXX was in the account. I agreed to settle the amount of XXXX to be taking from the account, signed the release from the attorney office, to release the freeze from my account, Bank of America has yet to release my account. I also received an email from the attorneys office with the amount of XXXX that was owed, in a settlement agreement. Bank of America placed a hold for XXXX, which is not the amount that was told to them. I spoke with XXXX from XXXX XXXX XXXX the attorney office which placed a freeze, she stated that is not the amount that she called in for, it was XXXX. So I feel Bank of America is placing an illegal hold amount on my account, and has not released my account, after receiving the release from XXXX & XXXX. XXXX sent on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, SLS LLC is reporting my home mortgage account summary and all monthly payments with the following comment " ADDITIONAL INFORMATION - Real Estate Mortgage ; Loan Modified Under a Federal Government Plan ''. This is correct, it was under XXXX and, as such, is a negative reference. The modification was done in XXXX and, since over seven years have passed, the statement should be removed from all Credit Bureau submissions by SLS LLC. 

Second, SLS LLC is reporting the payments made in XX/XX/XXXX and XX/XX/XXXX were less than the scheduled amounts. Also, in XX/XX/XXXX, they show no scheduled nor paid amounts. Since SLS LLC has been autodrafting my checking account since they acquired my account from XXXX XXXX, the scheduled payments and paid amounts should always match.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all three bureaus : XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Discover XXXX to Update my current credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Citimortgage serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX days late. XXXX  is still reporting payments through XXXX of XXXX on a loan that was paid XXXX in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with XXXX  and citimortgage and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.
Product: Checking or savings account

Many times I had to call after XXXX shopping because they had froze my account. They said they had seen a lot of charges. Well of course I did. It was XXXX! So when I went to get groceries and had to be embarrassed because I couldnt pay for my groceries even though I had plenty of money. I soon after closed my accounts. I also had an auto loan with Wells Fargo and was required to carry gap insurance till I refinanced with another bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries. 

XXXX XXXX ODE 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Since XX/XX/year>, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )
Product: Mortgage

I was approved on XX/XX/2022 for XXXX for 6 month forward Payments, starting XX/XX/2022 .My Mortgage Company is Interfirst the monthly Mortgage is {$1000.00}. I emailed the award letter to Interfirst on XXXX and XX/XX/2022 I also faxed it on XX/XX/2022 and they state they never received it. As of today the Mortgage Payment has not been applied to my account. When I call XXXX XXXX they say the payment was sent out on XX/XX/2022 and the mortgage company is saying they didn't receive it. I emailed my Case worker and never got a response from him either and the Escalation department from XXXX XXXX never reached out to me either. So my mortgage Company want 's proof from XXXX XXXX that the payment was mailed out. Please look into this. 
Thank you XXXX XXXX
Product: Vehicle loan or lease

XXXX has refused to take a payment over the phone. 
They froze my all of my accounts, ( several checking, joint checking ). 
They have prevented payment online. 
They then said I can only pay through XXXX of their savings accounts. They won't allow payment over the phone with a debit card, credit card, or bank account which forces me to transfer money into their savings account, which takes several business days to clear. After making me wait an hour to get them on the phone, they hung up on me. I called back and waited another hour to get someone on the phone who then refused to let me speak with a supervisor while attempting to extort more money in exchange for payment. They then claimed a supervisor would call me but they never did. I instructed them to take the payment out of the monies deposited into the savings account requested but the individual on the phone said they would not process the payment. On top of bad faith loan management, this seems to be systemic extortion and bait & switch as well as currency violations wherein they are refusing to accept US currency per the office of the Comptroller of the currency and the Secret Service.
Product: Debt collection

XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection company.
Product: Student loan

I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.