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

XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure.

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Misleading advertising on annual fees by American Express. I was under the impression that the first year 's credit card fee would be waived, but was charged {$190.00}. Upon iquiry with Amex I was told there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Debt collection

TSI ( trans world ) is collecting on behalf of XXXX for credit card debt that Ive disputed doesnt belong to me. Ive long stated that I never received communication of the debt nor had a chance to dispute said debt. Ive since had XXXX withheld from me. Interest in the amount of XXXX has accrued and theyre now collecting on that. I am unable to put energy into this and neither XXXX nor TSI is able to provide anything that substantiates that said debt is mine. Not to mention that interest is accruing on an account that shouldve long been charged off and closed which is predatory in nature.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in forbearance with my federal student loans and my mortgage company based in not having a job because of Covid restrictions. 

Now that Covid restrictions are easing up I have a part time job and I have interviews for full time jobs. Three of the full time jobs I've applied for will be doing background clearances which include looking into my credit reports. 

I have been on forbearance with both Carrington Mortgage and XXXX student loans. Both are reporting me to the credit bureau as default. My credit report went from a XXXX down to a XXXX. I'm in default even though I have been and currently still am on forbearance. 

This issue is going to prevent me from receiving a clearance. I know this because I previously did background clearances for the federal government. 

Can you please assist me in how to fix this issue? 

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

Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!
Product: Debt collection

Complaint against Midland Credit Management I received a letter on XX/XX/XXXX with a deadline response of XX/XX/XXXX. I received collection letter after the deadline response. I Called Midland Credit on XX/XX/XXXX ( recorded phone call ) and verbally requested a Debt Validation of the accounts and verbally requested a Cease and Desist which Midland Credit has violated many times. Midland Credit also refused to provide me with the said debt validation and cease and desist. Since the cease and desist request, Midland Credit continues to contact me. They have called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also contacted my daughter in law on XX/XX/XXXX in which I never gave any of my family 's information to. They call and harass me during my work hours and during hours where I am at a medical appointment. They are causing undue stress and interfering with my work and daily life schedule. I called them back each time they called and demanded a cease and desist and I have proof that my certified letters were received by Midland. Midland Credit has also reported accounts on my Credit Report which is a form of communication that I have asked them to cease from doing. They have failed to comply to my Debt Validation Request as well as my Cease and Desist request. I am requesting that they immediately stop contacting me, my family or my employer and that all negative reporting be removed from my credit reports. 

I have encountered alot of Medical issues this pass year and a very serious XXXX in which I am trying to recover from. Their harassment is impeding my recovery. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I contacted Professional Debt Mediation on XX/XX/2022 by telephone and my call was not answered. I contacted XXXXXXXX XXXX XXXX  ( where the original debt came from ), spoke to XXXX XXXX the Apartment complex manager on XX/XX/2022, she replied by email that she has sent 2 emails to this company asking them to remove this debt of {$280.00}. The debt was paid with the original creditor per the terms of the agreement between XXXX XXXX XXXX and XXXX XXXX on behalf of XXXX XXXX. I sent all the supporting documentation to XXXX, XXXX, XXXX XXXX, The Attorney General of Florida, XXXX XXXX XXXX, and Professional Debt Mediation. They continue to flag my credit report, Seems they are not interested in cooperating with me to correct the mistake.
Product: Mortgage

I have started a Loan Modification in XXXX and Freedom Mortgage Keeps asking for unusual documents or they keep delaying the process. Such as they asked for my year to date breakdown of my business documents such as profit and loss and I sent that to them just as they asked and then all the sudden they wanted it broken down in month to month and that was not how they worded it on their paperwork and they had involved their attorney saying that I did not get the paperwork back to them in a timely fashion. So when they involved their attorney I told her that I send them the paperwork immediately, that I do not wait, they claim they never receive it so I have been working with her in the mix since XXXX showing her that they loose everything that I send them. Their attorney gets it and they claim not too. When they ask again and I send her a copy of the paperwork she pulls the paperwork I have sent and then in turn sends it to the underwriters. I am not sure why they will not approve our Loan modification and why they are trying their best to take our home. I have produced paperwork that they think I possibly can not produce and I get it. They recently have asked for paperwork about our food stamps card and what and where we spend our money on the card like we lie about it. So I literally had to get a listing of the places that I shop for our food and how must is spent at each and every store and what is bought at each store. This is degrading. My husband got sick 2 years ago after having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they were told that. We have had a hard time with payments and have asked for help. This year a customer, since I run a XXXX XXXX, stole {$13000.00} from us and it put us very far behind, but they will not help us. They keep pushing us further and further behind. Like they want to put us on the street. My husband was just diagnosed with XXXX XXXX and now they want us to be put out. Freedom Mortgage is the worst company I have ever had to deal with. Please keep any other veterans from having to deal with them
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

This Debtor has multiple FCRA violations. 

XX/XX/XXXX, My credit report stated I had an collection from ( LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX XXXX XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX  XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX XXXX XXXX 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately
Product: Credit reporting or other personal consumer reports

According t 15 U.S.C 1681B a credir inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, i have the right to dispute inaccurate information on my credit report. The following inquiries werw not authorized by me, and i request that they be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained & disputed called and sent letters explaining that the account for US DEPT of ED/XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I filed complaint XXXX over a month ago and there has not been any update. I am asking again that these accounts be deleted. The company states they were working on it XX/XX/20 but as of today XX/XX/20 nothing has been done for the account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX XXXX Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX XXXX XXXX {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidaviXXXX XXXX  Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error : XXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b 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.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.
Product: Checking or savings account

My IRS tax refund was deposited on XX/XX/2024 the funds were available and then at XXXX XXXX my account showed an administrative hold of XXXX when I called basically I asked for a supervisor and they said there was no supervisor available and told me I had to call back the next day. There's absolutely no reason on earth that these people should be allowed to hold money and make my account negative after they account funds had already posted and it was a direct deposit and a tax refund. How dare these people think that they can play with peoples money like this and do things that are unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years. 
No Records Found. 
Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name : XXXX XXXX Account # : XXXX High Balance : {$970.00}
Product: Credit card or prepaid card

On XXXX of this year I was charged from XXXX XXXX around XXXX and change for vape oil that I did not receive. When I was living in mass there is a law for flavored vape oil that you sign -- I was left a slip by the USPS and put RTS and denied on the slip -- I did not sign for it and I implore citi bank to have the usps show them or mig vapor to show them where I signed bc I did not -- hence never getting it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, Says status is Closed but reporting late payments, Also says charged off on other accounts. 

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if this accounty : XXXX XXXX XXXX was deleted
Product: Credit card

Some time about the middle of XXXX XXXX  being unhappy with my XXXX XXXX  ( synchrony bank ) credit card over problems with there security and being blocked from using the acc. 
I informed them I wanted to close the Acc. and no longer wanted to do business with them or XXXX 's XXXX or Synchrony Bank. 
There response was to make a threat to cause damage to my credit score and I am still getting 0 balance statements from them showing the acc as open. 
My credit score soon after went from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.
Product: Checking or savings account

I made a XXXX mobile check deposit to capital one in XX/XX/2017 THEY wouldnt release funds saying it was suspicious I called hundreds of time and was ALWAYS directed to security dept. which a live person never answered or called back. After 5 months I notice there was an electronic funds withdrawal for the XXXX not made by me and capital one had no explanation and soon after closed my account after I called and was directed to security dept which I left several messages NOONE ever got back to me and sent me a check for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries 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 I didnt give written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX