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 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 or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX Balance : {$240.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX Balance : {$1.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a infinity on my report that I never purchased. I disputed it with XXXX. XXXX is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 reports of non-payment submitted to Trans Union from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. OnXX/XX/XXXXthe {$170.00} debt report was removed from Trans Union but the {$200.00} debt remained as an open unpaid debt. I called both XXXX XXXX Trans Union several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from Trans Union which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX I Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I have sent numerous complaints for equifax and XXXX also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information directly with Nissan Motor Acceptance and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Product: Debt collection

Reason for the dispute : I am contacting you, the honorable credit institution XXXX, to inform you that my credit report shows a report from the hospital. This was the first time I went to the hospital in the country, and I went because I was XXXX XXXX XXXX XXXX. They sent me to have a XXXX test. I had insurance from the company where XXXX XXXX belonged. The hospital called me and authorized the test, saying it was {$130.00}, but without the insurance it would have been {$560.00}. When they sent me the receipt that I was going to pay, they sent me another one for {$1200.00}. pains and it is an abuse on their part, for example if I had been without insurance it would have to be XXXX, but I had insurance, and even so the sum extended much more than double, when I tried to contact the hospital, they never answered me to give me said information of their irresponsibility, and then they put it in collection, you can see that my payment history is excellent and for this reason I am opening a dispute, because this is affecting my credit for future plans, despite this I continued with my XXXX  problem and I stopped going to the hospital for fear of payment, that is, that frustrated me because I do not like debts. 

Thank you in advance and please I would like to have an answer as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit card

A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.
Product: Credit reporting or other personal consumer reports

I had requested that this account be verified and I have not seen any proof from you thet it was. I need all correspondence between you and creditor regarding the previous dispute including the data provided to you that this account is accurate. 

Transunion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove any information that the creditor can not verify I understand that under 15 U.S.C Sec 168 ( a ) you must complete this reinvestigation within 30 days of receipt of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want Synchrony Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.
Product: Checking or savings account

I do n't want it it keeps taking " test " an taking it out of my  XXXX  bank I wan na close all of it I do n't need it and it 's  XXXX  stupid
Product: Debt collection

XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof that my payment was made many days prior ( 9 days ) however, XXXX XXXX XXXX delayed sending the payment out to Chase. 
Unfortunately, I am the middle whos Credit report is affected. Please take a look at the timing of the payments that were deducted from my personal account. Thats date was XX/XX/XXXX. 
XXXX XXXX XXXX excuse that was explained to me was that they couldnt send it in a timely manner the due to the fact that the chase due date fell on a weekend. How is that my problem? 
It was only my responsibility as the customer to make that payment XXXX XXXX XXXX in enough time so that the process can take place. And thats exactly what I did. 

As a matter of fact, I started the process on XXXX XXXX weeks prior before the chase due date of the XXXX. 

But for reason unknown to me, Chase kept denying the payment and the program, and the 2 companies couldnt agree on the terms. 
Unfortunately, Im the person who has to bear the weight of a mistake that XXXX XXXX XXXX made. Whether or not it was a mistake, the bottom line is it affected my credit in a negative way. 

As you can see, my payment history is stellar, and as a veteran, this 30 day error prevents me from obtaining my VA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was service transferred to XXXX XXXX in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX  non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called XXXX  XXXX XX/XX/2020 and was advised there was a systemic issue and approximately 26K accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV  to the credit reporting agencies to correct the error. 

I called to follow-upXX/XX/XXXXand spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. XXXX XXXX failed to properly investigate the account when the NOE was submitted advising of such error. XXXX XXXX dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times. 

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress. 

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again. 

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed chapter XXXX since the loan was coded as such.
Product: Mortgage

I currently have a LTV of 78.00 % on my current home mortgage. I have requested the private mortgage insurance to be cancelled. The loan servicer, ( Chase Home Mortgage ), the PMI company ( XXXX XXXX ) and the loan holder ( XXXX XXXX ) are requiring me to get a BPO ( Brokers Price Opinion ) which costs {$100.00} for determination that my house has not decreased in value. 

Per the HPA ( Homeowners Protection Act ), when a homes LTV reaches 78 % of the original mortgage amount the loan servicer has to request the PMI be cancelled. Chase Mortgage will not request the PMI to be cancelled unless a BPO is obtained. I am being penalized by paying extra on my mortgage to get the PMI cancelled earlier than the predicted amoritization date of when my LTV would be 80 % which was predicted to be XX/XX/XXXX. 

Furthermore, if i had not been forward thinking and not checked on this my PMI would have been automatically canceled in XX/XX/XXXX, however my LTV would have most likely been around 70 % at that point. I would not have received a refund on the PMI that was not required to be paid based on I reached a LTV of 78 % in XX/XX/XXXX. I would have paid approximately an extra XXXX on PMI that was not required and that should have been cancelled automatically when my LTV reached 78 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

I had asked USAA bank to provide me evidence to support their reporting of these inaccurate items. Per FCRA, they are supposed to provide me with documentation to support the information they are reporting to which they have not.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Jefferson Capital LLC ], I am writing to formally dispute the debt associated with the above-referenced account, which I believe is inaccurate or incorrect. I request that you provide me with validation of the debt, as I do not recognize this charge. 

I am requesting that you kindly provide the following information to validate the debt : 1. The amount owed and an itemized breakdown of charges.

2. A copy of the original signed contract or agreement outlining the terms and conditions.

3. Any supporting documentation or evidence that proves I owe this debt. 

Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt and request verification. I request that you cease any collection activity until the debt is verified, and I kindly ask that you provide a response within 14 days of receipt of this letter. 

If you are unable to provide the requested documentation or if you continue to report this debt without verification, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and disputing the item with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I had a {$3.00} billing dispute against merchant XXXX that I had raised with Discover bank and it was resolved by discover but they never credited {$3.00} to my account and now I see that they are adding interest to that amount every month. 

Dispute reference - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX To whom it may concern : XXXX XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance.This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerley. 

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

This debt was part of identity theft, I do not owe the debt, and have tried to resolve it several times with written documentation.
Product: Credit card

sent a referral bonus to my sister and brother in-law he signed up for and received a credit card from capital one he was suppose to receive {$300.00} I was suppose to receive {$100.00} I have called several times they refuse to send anything confirming I will be getting it or record of it brother in law was also denied and was told he would be given {$200.00} not the {$300.00} to settle the matter meanwhile they are telling me I get nothing can not do nothing till XXXX weeks and no proof of anything to show I even get anything.