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

My account with XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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! 

XXXX5 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 XXXX, AND 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: Checking or savings account

My Penfed Credit Union Debit card was compromised on XX/XX/2020 and I was issued a new card. But the fraudulent charge ( {$13.00} ) from the transaction still remains on the account. I have been calling Penfed customer service for several weeks now, but the agents I have talked to haven't done anything. Penfed also has issues with their phone lines where the call drops all of a sudden.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute on XX/XX/2022 which was fraud related. Per 605B, Ive supplied my SSN, Passport, and FTC complaint. Experian has acknowledged that they reviewed/received all documents and they ARE VALID. However, they have refused to comply with the standards and guidelines, per the FCRA & FTC. This has caused hardship, aggravation, and stress. I have been overwhelmed by staying on the phones XXXX & XXXX hours at a time since XX/XX/2022. Experian has received updated documents and I have completed everything outlined in the policies according to both Federal law and Experian. They have advised that XXXX will have 30 days to respond. In actuality, Experian only had 4 days after they received the documents to remove, block the items and THEN notify the data furnisher. They have instead sent a copy of my SSN card, and passport to the XXXX party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads XXXX ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XXXX followed instructions and removed all information, see attachments
Product: Debt collection

during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my husband and I went to XXXX XXXX XXXX, XXXX, Tx to apply for a mortgage loan to downsize from our older, paid off home. When the loan officer ran the credit reports, only Experian, showed that we had two additional mortgages with XXXX XXXX and an additional auto loan with XXXX XXXX XXXX 
When we contacted XXXX XXXX, they verified that we had no mortgage loans. We did a little googling and pored over the report XXXX printed out for us from XXXX XXXX XXXX. 
Turns out that my Experian credit report contains information for a woman whose maiden name is the same as my married name and her social security number ( yes, that was on the report ) is just a couple of digits off mine. My guess is that someone didn't verify the social security number when they added this info. 

I tried to print a new experian report, but could not prove my own identity because they need me to very info about the loans that aren't mine. I tried calling experian 's number and went round and round with the computer generated voice. None of the options apply, and dialing XXXX doesn't work either. 
Consumer finance seems to be my main option. Please can you help? I'm not getting any younger! 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I received notice from my XXXX XXXX account of an XXXX XXXX 
Bank of America was checking on my credit rating. 
I did not authorize this. 
I have opened an investigation with XXXX. 
XXXX XXXX case # XXXX. 

On XX/XX/2022, at my place of business I received an Official Change - of - Address Validation. 
I did not and have not authorized any person to do so on my behalf. 

On that same day, XX/XX/2022 I received in the mail with my name on it a : Bank of America Visa  XXXX XXXX Credit Card.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent my FTC Report, my license to Experian to report identity theft.
Product: Debt collection

I rented from appliancewhse.com for a few years. When my family XXXX XXXX XXXX XXXX from XXXX XXXX I had the company pick up washer and dryer XX/XX/year>. I was suppose to get my delivery of appliances to my new home XX/XX/XXXX in which I never did receive. I called and they said driver had issues coming on post. Then they proceed to rescheduling me XX/XX/XXXX. Once again never came I called and they never were able to get in contact with driver. I cancel my order and after a month or so they sent me a bill in the mail I called and they told me I had a washer and dryer with them but I didn't. I told them I purchased my appliances in XXXX. I even told them I purchased it and wanted answers to why I am getting charged for something I don't have. They never gave me an honest answer just the round about. I then got a phone call telling me the warehouse made an mistake and marked it that it was delivered when in fact it wasn't and they were going to delete the amount. Now I got a debt collection for the amount.
Product: Checking or savings account

I created CD with Marcus, I used my husbands phone number to signup, it was working fine and suddenly i lost access to the account, I tried calling them and they said the phone number doesn't match back to me, so they sent me a form to fill and notarize, I'm XXXX XXXX XXXX and wanted access to this money back to my personal bank to pay debts and support my family XXXX, now I have no access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to delete this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. Navy Federal has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. Navy Federal has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : TransUnion : XXXX  XXXX Bankruptcy, XXXX : XXXX XXXX Bankruptcy, XXXX : XXXX  XXXX Bankruptcy, TransUnion : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX, TransUnion : XXXX, XXXX : XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, TransUnion : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, TransUnion : XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX, TransUnion : XXXX, XXXX : XXXX XXXX XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX, XXXX, XXXX XXXX XXXX, TransUnion : XXXX, XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX XXXX TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX, XXXX : XXXX XXXX XXXX : XXXX, TransUnion : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX : XXXX, TransUnion : XXXX, XXXX XXXX XXXX, XXXX : XXXX, TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX XXXX TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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. 

15 U.S.C. 1681B ( 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

On XX/XX/year> Experian failed to removed XXXX XXXX XXXX from my inquiries. I told Experian it is not me and I have two addresses on my report that is not mine
Product: Debt collection

I am disputing the inaccurate information on my credit report regarding my account with XXXX XXXX XXXX XXXXXXXX ]. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

ATTACHED IS PROOF OF AN INVESTIGATION THAT WAS DONE ON THE LATE PAYMENTS REPORTING ON A CLOSED ( XXXX XXXX XXXX XXXX ) ACCOUNT. THE ACCOUNT WAS CLOSED ( HIGHLIGHTED ON ATTACHED DOCUMENT ) XX/XX/year> AND THE XXXX  LATE PAYMENT IS LISTED AT XX/XX/year> ( HIGHLIGHTED ON ATTACHED DOCUMENT ) PLEASE UPDATE THIS ACCOUNT TO CURRENT/ON-TIME OR DELETE THIS ACCOUNT FOR THE IMPROPER INVESTIGATION THAT WAS DONE By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Product: Checking or savings account

Our ATM withdrawal XXXX is {$800.00} On XX/XX/XXXX someone withdrew {$2000.00} of our checking account through an ATM. I called the bank next day ( when we saw the transaction ), and they opened a ticket. 
That same day, before the $ XXXX were stolen, there where some shady transactions for very low amounts, one charging and the other one reimbursing. Because of the way Bank of America works, those transactions dont longer appear in my history ( like they had cancelled each other ). 
This morning ( XX/XX/XXXX ), the bank finally gave us our $ XXXX back. After the $ XXXX credit cleared in our account, later today, there were a couple of those small shady transactions, and a big withdrawal of {$2500.00}! AGAIN FROM AN ATM! 
Those two weeks it took the bank to give us our money back generated financial stress on me and my husband, since we had to tap in our Savings account to pay the rent. That savings account has the money for the down payment of a house we are in process of buying. Now, again, we are short for our down payment! This has to be an inside job from the bank, given the timeline and that our withdrawal limit is {$800.00}. The bank tell us they were using the virtual teller in the ATM to extract money Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to correct an account from XXXX XXXX XXXX in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want XXXX and XXXX XXXX XXXX to correct this error and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that I had one ( XXXX ) late payment on a closed account that I was never late. Consumer agencies have assumed a vital role and have a responsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on any payments for this account : XXXX XXXX Bank # XXXX. Please invesigate as I have a letter from the creditor as proof that this account was never late. I am formally requesting proof of statements showing a payment was late. If this can not be provided I demand that the late payment be correctly updated to on-time as it should be as I was never late. Thank you
Product: Mortgage

I hold Power of Attorney for my father ( mother deceased ) who is XXXX  years-old and has recently relocated to a XXXX XXXX XXXX ( XXXX ). I am trying to short sale the home with no profit to be gained and in order to get out from under the XXXX XXXX reverse mortgage loan. They wanted me to sign the house over and agree to incur various financial risks for up to eight months that it might take them to finalize the paperwork. This is not my loan and I would not sign anything having to do with the loan. I am filing a complaint and requesting you evaluate their shady business practices, both XXXX XXXX and XXXX. 

XXXX XXXX : 1. Failure to produce mortgage terms and conditions. 
2. Suspected exploitation upon the elderly.

3. Question of whether this company has an appropriate assignment of mortgage.

4. Possible unlicensed practice to conduct mortgage business in California. 

XXXX XXXX and XXXX : 1. XXXX is now claiming that they can not talk with our Real Estate agent concerning the short-sale because they need a physician 's statement that my father was competent when he signed the POA in XX/XX/1995. Given that she entered into the Reverse Mortgage and they had a responsibility to ensure he was competent when he signed the agreement, why do they question is competency prior to that time? I believe they are trying to foreclose, so that they can collect further monies.

2. Each time I call, the representative has little information, there is no one to talk with, they must communicate with the POA section or their supervisor and then get back to us. There is no knowledgeable person who can discuss the facts and provide information. 

Please evaluate that my parents did a reverse mortgage without my knowledge and when they had less than {$40000.00}. remaining on the loan and now they loan is XXXX. What is wrong with this picture? I don't believe that they have evidence of a third-party counselor who discussed the reverse mortgage with my parents at the time they entered into the agreement, and stole the house with underhanded practices.

Currently, XXXX is holding up the short-sale for the physicians statement when we've provided them with a physician XXXX   documents discussing his current competency.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received a threatening voicemail that someone was going to deliver papers to my residence or work on XX/XX/year>. They left a number to call and I did. XXXX. A guy answered but didnt have a company name. I gave a case # and he was rude. He would not provide any detail about the debt except for the creditor name Zoca Loans which apparently thousands of people are being scammed by. I called a number provided XXXX but no answer. I called several times and it would ring then disconnect. I need this to stop! 

They are telling me to pay {$2000.00}
Product: Debt collection

This company by the name of Jefferson is reporting on my credit report, I have disputed this account multiple and it keeps coming back verified without sending me the information I requested.I have never had an account with this company and never gave them permission to report on my credit profile I have request a debt validation letter and a contract and the company will not provide that I would like a debt validation letter and a contract with my signature and a 1099 something. I have noticed multiple violations on my credit report from this company as well, along with their unpredictable reporting. I never have never done any type of business with this company. And will also be suing for defamation of character.
Product: Checking or savings account

I don't have any dates. I was frustrated with the overdraft fees and the monthly fees. I closed my account.