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

15 USC 1662b Timing of 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.

- As a consumer, I am requesting original documented proofs from your company, to reflect thus consumer was late or did not make the payments? Did each creditor have reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date? 

Accounts with Adverse Information XX/XX/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 XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, the consumer , and living being, demand that all accounts and credits be positively adjusted with no harm and the consumer credit allowed to be extended should these documents not be able to be produced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account info
Account number XXXX
Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated
XXXX XXXX
Past due amount
XXXX
Highest balance
XXXX
Monthly payment
XXXX
Contact info
Address
XXXX XXXX XXXX XXXX OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit bureau that is still reporting this account.
Product: Credit card or prepaid card

I brought a ticket thru klarma company who told me they a lender meaning we not responsable for any purchase the customer brought so I used klarma credit card which is the Chanel to buy ticket thru XXXX and that XXXX charge full amount of the ticket to klarna and klarma charge me some deposit in 4 payment so in XXXX XX/XX/23 I brought a ticket thru klarma used the credit card provide me the ticket {$310.00}. I had XXXX in the same day XXXX XXXX so I brought the ticket for my husband to be present into the XXXX XXXX XXXX to support me was my surprise he flight in the same day and supposed to arrive at XXXX XXXX from XXXX to XXXX ca so into 24 hour the agreement can cancel but I waited 4 hour to check in online but for the surprise not seat assignment only reservation so I call XXXX customer support explain them so XXXX explained me call XXXX XXXX I was waited Lis en music finally answered explain my situation my husband had and they let me know 2 hour before so I explain to customer services in XXXX XXXX I had emergency situation and I need verify the seat for my husband he explained me he can provide anything due the gate already had control of the flight so the csr explained me cant cancel either provide any seat assignment so my husband waited and waited and the flight departures and not seat only reservation but this is the funniest part CSR promised refund expect he full amount of the ticket and until today klarma sending me back for from XXXX thru XXXX airlines And forced me to pay for no service already explained to them a tones of emai screenshot and email what happened and now want me deal w the airline and wash there hand w the excuse they are the lender I explained myself too many CSR from klarna I not received no services only reservation but never take place to seat my husband still w excuse to saying they not responsable for the inconvenience and want me to call every day but now 7 weeks past want me charge. {$310.00} full amount without receiving any services so for the reason the credit card they wrong balance and dont want fixed the own mess after my husband not coming no service no seat force me excuse to said they not responsable for this mess and want me pay and still call XXXX who tell me call XXXX airline and them call klarma iam sick of this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several bank accounts and credit cards with Chase Bank, all of them were set up on estatements. In XX/XX/2018 I noticed a {$3000.00} withdrawal from my savings account and did not recognize it. I immediately called Chase and was told that my online banking was compromised and they needed to close down my checking, savings, and online banking profile. I was told the credit cards were fine and did not need to shut those down. They gave me a list of things to do to regain access to my online banking ( like get updated anti virus software ) and was told I would be getting paper statements for the credit cards going forward.

In XX/XX/2018 I had not received a paper statement for one my credit cards ( Card XXXX  ), but I knew it had a ~ $ 3k balance. I called to make a payment by phone and paid {$1500.00} and asked to have paper statements sent to me since I had not received a statement for this card. I was told they would send that.

In XX/XX/2018 I still had not received a paper statements for card XXXX. I called the automated line for the bank and made the statment balance in full ( ~ {$1500.00} ).

At the end of XX/XX/2018 I was finally able to get everything completed to satisfy Chase 's online banking team and they signed my up for online banking again.

In XX/XX/2018 I received an alert saying that I had a 30+ day late payment on my Chase card # XXXX. I checked my online banking and all credit cards were up to date. I called Chase and they told me that card # XXXX was " hidden '' from my online banking and they linked it to the account. In XX/XX/XXXX I received a {$19.00} interest charge after I paid the statement balance in full. Since I did not receive statements after that date and the card was removed from my online banking, I did not know that it still had a balance. After contacting Chase they told me they could not remove the late payment from my credit bureau because technically they were sending me online statements still ( even though I did not have an online profile ).

So, to sum it up- from XX/XX/2018 to XX/XX/2018 Chase did not send me statements for my card # XXXX, even after requesting repeatedly to send them to me. Once Chase granted me online access, that card was not on my online banking profile. During this time they did not send me any emails, call me, or mail me notifications.
Product: Credit reporting, credit repair services, 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 Name : XXXX XXXX XXXX XXXX Account Name : XXXX, XXXX XXXX XXXX U.S.C 1681 section 602 A states, I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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.

5 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX 15 U.S.C, 1681section 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. 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 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

For the following companies. 
Transunion, XXXX, and XXXX I am writing to inquire about the recent request for my credit report, which was conducted by your company. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report only for certain permissible purposes, one of which includes when a consumer has authorized it.

I would like to request that you provide a written explanation of the specific permissible purpose under this statute for which my credit report was accessed. Please include any relevant details about the circumstances surrounding this request. 

If this request was made without my prior consent or without a valid permissible purpose, I kindly request that you take appropriate action to rectify the situation in accordance with the FCRA. 

Please respond within 30 days of receipt of this letter. If you have any questions or require additional information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter. 

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

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX  XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Mortgage

On XX/XX/2022 from Mr. Cooper, XXXX XXXX, Negotiator I wanted to let you know the Appraisal as of XX/XX/2022 is $ XXXX. I see the current offer is around XXXX likely will not be accepted by the investor, is the buyer willing to increase their offer? Thank you. 

This is the same issue my previous Servicer, XXXX XXXX XXXX ( loan # XXXX ) attempted requesting {$250000.00} minimum purchase price which I argued not in view of the ( XX/XX/2022 ) {$110000.00} Appraised Value ( see attachment ) you also received when my loan documents was transferred to you. I was notified of this transferred event XXXXXXXX XXXX. You then requested your Field Inspector, XXXX XXXX ( XXXX ) to do a internal & external inspection which was completed on XX/XX/2022, XXXX. XXXX XXXX also stated he was only to take pictures with no valuations, comparables, etc. which made no sense to my realtor, XXXX XXXX, XXXX XXXX XXXX Properties ( mobile XXXX ) nor to me. This is obvious a second attempt of CONSPIRACY to defraud me dating back to ( XX/XX/2022 ) compelled me to file this Compliant if not resolved I will escalate of all Parties involved : XXXX XXXX XXXX, Mr. Cooper, RighPath Servicing, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX including XXXX, XXXX, XXXX to : 1. Maryland Attorney Generals Office 2. XXXX XXXX XXXX XXXX told me I need to submit a Privacy Act Form before they can pursue my Case, 3. Investigation Teams : XXXX 4, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  My attorney ( to be determined ) 5. Donald Trump, would to sink his teeth into this XXXX XXXX  XXXX woman being taken advantage of by ( 3 ) Bank/Loan Servicing Companies .
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called on XX/XX/18 from a company going by the name " Alternative Dispute Resolution '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old XXXX XXXX account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to XXXX XXXX to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. XXXX XXXX confirmed that I owe them no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Equifax XXXX XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-days.
Product: Consumer Loan

My husband and I have an auto loan through Wells Fargo Dealer Services. The vehicle was in an accident on XX/XX/2017 which resulted in a total loss. The insurance company paid the claim on XX/XX/2017 and the service contract was cancelled which produced a refund being sent back to Wells Fargo. Even with these payments, there was still a balance left due. Prior to the payments being made, I spoke with Wells Fargo in order to set up some sort of settlement. I was told they would not enter any negotiations until the payments were applied to my account. I spoke with Wells Fargo Dealer Services on XX/XX/XXXX on a recorded line to attempt to settle the balance. XXXX, the representative, offered a settlement amount and I asked if it was possible to settlement for an amount about {$500.00} less. He was going to check with his supervisor to see if this was agreeable and then call me back. I called to follow-up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a response back. On XX/XX/XXXX I received notification that they had reported to the credit bureaus that my account was 30 days past due. My account is not past due, in fact it is about 3 years ahead due to the payments from the insurance company and the service contract. I believe the lack of response from the representative, XXXX, and the reporting on my credit was a willful scare tactic to bully me into paying the full amount due. 
Further, they have been making several collections calls to both mine and my husband 's cell phone. I have repeatedly told them to not call my husband 's cell phone during the day as he works XXXX and it disturbs his sleep. They have called him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These repeated calls after our numerous requests for them not to call his cell phone are harassing. Also, whenever we are able to answer the call we tell them the vehicle was a total loss and we are negotiating with their total loss department. They tell us we can then disregard the call, however we continue to get called. These calls have all been on recorded lines. 
In addition to these unethical collection practices, they also willfully extended a loan to us which was well over the value of the vehicle and denied us the option to purchase gap insurance. This unethical practice is why we are in the predicament we are in.
Product: Student loan

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), data furnishers are prohibited from reporting inaccurate information. Additionally, 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ) mandates that payments must be properly credited as of the date received. If this late payment resulted from a billing error, 16 CFR 1026.13 under the Truth in Lending Act ( TILA ) requires correction and resolution.

My Dispute & Request for XXXX XXXX Compliance Verification I am formally disputing the late payment entry on my Equifax report and demanding a XXXX XXXXcompliant reinvestigation. Under 15 U.S.C. 1681i ( a ), Equifax must conduct a reasonable investigation of disputed information. Therefore, I request the following documentation as proof of the investigations validity : 1. XXXX XXXX Compliance Records Provide a copy of the Automated Consumer Dispute Verification ( ACDV ) or any other XXXX 2 documentation used to verify this late payment.

2. Furnisher 's Verification Response Documentation from XXXX verifying the accuracy of this late payment, including payment processing records. 
3. Method of Verification A detailed explanation of how Equifax verified the information as required under **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) **.

4. Date of Payment Processing Proof from XXXX showing the exact date the payment was received and credited. 
**Resolution Requested If Equifax XXXX not provide sufficient documentation proving this late payment is **100 % accurate**, it must be **immediately deleted** per **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to ensure maximum possible accuracy. 
**Legal Notice** Failure to comply with FCRA provisions may result in legal action, including statutory damages under **15 U.S.C. 1681n and 1681o**. Additionally, if Equifax fails to provide a proper XXXX XXXXcompliant investigation**, I will escalate this matter to the **Federal Trade Commission ( FTC ) ** and consider further legal remedies. 
I expect a written response within XXXX days** as required under FCRA guidelines XXXX Please provide all requested documentation and confirm the resolution of this dispute.
Product: Credit reporting

I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.
Product: Vehicle loan or lease

My lease with Ally Financial was ending in XXXX of XXXX and I had plans to buy out my vehicle before it happened. I explained to them that I was waiting for my bank to put together my check to send them. When I sent them my check of over {$30000.00} to by the loan out which was POSTMARKED before the 30 days late mark, the proceeded to mark my last payment as late due to it arriving a few days after the late payment mark. 

Ive reported this to them multiple times as well as the credit bureaus and they continue to report the late payment enjoy a check of $ XXXX was sent to them and postmarked before the late payment deadline. This is unbelievably petty and one of the reasons I wouldnt utilize them for anything going forward. 

I have an additional late payment from them in XXXX after I contacted them for a payment extension and PAID the extension fee they had me pay. The amount of damage Ally Finacial has caused my credit since Ive had them is on another level
Product: Credit reporting or other personal consumer reports

You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605bXX/XX/XXXXacct XXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED
Product: Credit card

The balance on the account was a tax write off and it is still reporting on the credit report. I need the 1099C from this company so I can write it off as income.
Product: Credit card or prepaid card

I woke up this morning to emails saying I applied for credit cards by the following companies. Wells Fargo and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been communicating with this company since XXXX XXXX XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the seven months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to Cushman v Transunion 1997, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.