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 60 days 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 XXXX 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 XXXX
Product: Checking or savings account

This check is dated on XXXX. 
Bank of America " fraudulently '' processed the check one day earlier XXXX - causing {$35.00} NSF fees. 
Check is a legally negotiable instrument on that day specific day it was written.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/year> ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my TransUnion Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer TransUnion must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Mortgage

My mortgage account with AssociatedBank is in autopay, which I setup using their own online banking tool. The payment has being deducted from my checking account at XXXX XXXX and transferred to Associated Bank since my first payment with no miss at all. 
On XXXX there was a {$100.00} increase in the escrow part of my mortgage - duo to tax reassessment. This money is paid in advance for tax purposes and it's not part of the mortgage Principal or Interest. Associated Bank is responsible for collecting this money in order to pay my property taxes when time to do so is duo. 
As the mortgage was being automatically transferred from my XXXX XXXX checking account to Associated Bank every month and no call was given or email was sent, I was not aware of such an increase until I checked my XXXX statement which said that XXXX month was " overdue ''. I immediately called Associated back to discuss why I was being charged double, since the money was wired a month ago. That's when they tell me that, the amount paid was considered " partial '' ( because of the " missing '' {$100.00} related to TAX reassessment ) and therefore didn't apply to my mortgage, instead it was kept in a separate account within their organization. I then paid the difference over the phone and also adjusted the XXXX payment. This was done on XX/XX/XXXX. with XXXX and I was given the confirmation number : XXXX. 
For my surprise, after all this ordeal and, after paying all the additional adjustments needed, on XX/XX/XXXX my XXXX XXXX was hit with a claim from Associated Bank in the total amount of my over a XXXX XXXX  mortgage saying that it is overdue. I called them today, XX/XX/XXXX and they tell me there's nothing they can do. 
I file this report since the claim is completely incorrect, I paid my mortgage on time and can not be punished for a mistake Associated Bank made regarding the escrow/tax amount. 
I would also like to note that, Associated Bank returned XXXX XXXX dollars from my escrow account because, in their words, we overpaid it so, how can they now, after returning us this money, say that we are late/overdue exactly because of the tax reassessment? It makes no sense. 
As documentation I'm attaching my checking account statements from the last 3 months showing the timely payments sent to Associated Bank. 
I appreciate your consideration on helping me solve this matter. 
Sincerely, XXXX XXXX.
Product: Mortgage

In XX/XX/2018 I began home loan mortgage process with Quicken Loans DBA rocket mortgage which closed XX/XX/2018. I found out later on that my home and finances met the criteria for a USDA loan which the lender never offered and instead wrote the loan for an FHA. They also ran my credit report 3 times in an 8 month period w/out authorization of one. When I contacted them to request that the one be removed I was told " no they would not remove it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX  XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX idenrtity theft reprt attached
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

Received card in leu of Credit balance from XXXX for {$18.00}. Used at fast food restaurant with no problem for {$14.00}. Tried to use second time but was denied for {$3.00} that was left on card tried both ways for credit and debit. This is the second card that I have had from XXXX that will not let me access my refund. My money. They are doing this to steal money from people because people get frustrated and just get up. This stealing must stop and I will take it directly to XXXX if I have to. The card is issued by North Lane Technologies.
Product: Debt collection

This complaint is in regards to the Army and Air Force Exchange Service. Their preying practices on individuals who the debt does not solely belong is immensely negligent, and just because they are considered a " government agency '' does not intimidate me nor will it prevent me from exploring all avenues to correct their grossly negligent actions. This credit card is only available for members associated with the armed forces ( therefore I was only able obtain this card with my now ex husband who is the active duty service member ). With that being said a card was opened with this credit card company with my now ex husband on the card as well. Our divorce was finalized in XXXX of XXXX with many court orders with the a specific mention to the Military Star Card. My ex husband is responsible for {$2900.00} per a court order signed by a California judge. However, the Army and Air Force Exchange Service made no attempt to contact my ex husband who is listed or pay attention to the court order which I did email to them on XX/XX/XXXX. I have the email correspondence that I would be glad to share. I also have all of my court documents that I will be glad to provide as well. The Army and Air Force Exchange Service has the capability to garnish the service members pay, but they did not do that and refused to acknowledge a court order. This is a service member who has several security clearances ( does not pay his court ordered child and spousal support either so how he can continue to carry these clearances is beyond me. I hope a bench warrant is issued in the future for his massive arrears ) and brings home over {$6000.00} a month, but instead they choose to prey on me and the debt is not solely mine. It seems as if the military likes to enable financial negligence in all avenues and this also includes protecting their service members with security clearances who do not even provide the court ordered support for their own two children. I intend to explore all avenues including contacting the attorney general, small claims, and if needed trying for the Supreme Court. This " government agency '' needs to to be held accountable and do the right thing by enforcing the proper action on court orders.
Product: Vehicle loan or lease

XX/XX/XXXX amount {$120.00} and XX/XX/XXXX amount {$110.00} and XX/XX/XXXX amount {$110.00} These are the dates that I made payments to my already paid up account the next due date should have been on the XX/XX/XXXX, but instead one representative stated that the payment that was applied on XX/XX/XXXX was applied to principal on my account, then the next supervisor XXXX stated my payment was applied to the interest on my account. In a previous conversation last year when i had paid may account months early they stated that I had to call in to make principal payments. Since XX/XX/XXXX I have been making payments early and have been paid up for months, and interest payments have been taken out all payments. So these people are literally scamming me out of my money because the early payments are not bringing my account balance down and by now I should at least be a {$10000.00} if not {$9000.00}. I want to know where my money is going an being applied or is someone scamming me out of all the money I've put in this car? Also they have no one in this company that are natural born citizens, also they don't have corporate numbers or emails listed to contact anyone in a upper management status.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY XXXX PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XXXX XXXX {$150.00}, XXXX XXXX  XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this BK OF AMER and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. BK OF AMER XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft and data breach, and I have discovered unauthorized accounts and inquiries on my credit report. Please consider this letter as my formal dispute of the accounts and inquiries listed below. 
Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX o Opened : XXXX o Amount : {$380.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX  XXXX XXXX o Account Number : XXXX XXXX  Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. 

I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. 

I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.
Product: Credit reporting or other personal consumer reports

This company Luxury Card, Barclays Bank Delaware XXXX XXXX, XXXX XXXX XXXX Charged my cc a {$490.00} subscription, with out notifying me. I never use this card, and they charged me this yearly charge, with out my authorization, then never sent me a bill for the {$490.00} so we I had no idea they were charging me the {$490.00}, and I have no bill, so I had no idea about the {$490.00}. They agreed to credit me the {$490.00} and cancel the card, but they still have damaged my credit report, and i am in the middle of an SBA loan, and they have done significant damage to my credit report.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Midland Credit Management , Inc., breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Midland Credit Management , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Midland Credit Management XXXX XXXX, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Midland Credit Management , Inc. , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Product: Credit reporting or other personal consumer reports

I have inaccurate and incomplete information reporting to my credit report. I am a victim by the hands of Equifax which is pretending to most recent law suite , Equifax VS the CFPB! Equifax has never conducted a real investigation be they rather updated inaccurate items to be accurate solely based on whatever the creditor informed them the status is, they also are dependent on a broken inaccurate information from thier XXXX XXXX system which has been proven to be unreadable.

Again Equifax has not done a proper investigation as well as a re-investigation into my disputes All items listed in my documents must be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security Number was lost at a point in time around XXXX of XXXX. When I started receiving stamens in the mail for a QVC account that I have never once viewed nor purchased one single item ever. This has now affected my credit and I don't know who is purchasing items. 
Im currently XXXX and have only once ever tried to do anything to impact my credit. In XXXX i applied for a in store XXXX XXXX credit card. Was immediate approved. Now my credit is XXXX. Im so lost on how this can happen and my credit has fraud activity.I didnt even know what QVC was untill getting statement letters in the mail for items ive never purchased or received. please help.
Product: Credit reporting or other personal consumer reports

I explained that information on my credit report indicates a medical bill that I never had or medical service I never received.