23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a Bank of America Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated.
Product: Credit reporting or other personal consumer reports

Around the summer 2023 an agreement was reached between myself and the company in question. The account was then satisfied according to the agreement so I thought. XXXX days after reviewing my credit report the account in question was listed in a derogatory manner. Further investigation revealed company charged off the debt to the IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXXXXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of Equifax 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM EQUIFAX!
Product: Credit reporting or other personal consumer reports

YesBy law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Product: Debt collection

I became aware of a collection on my credit profile from Professional Debt Mediation. I 've attempted to have them delete this negative information from my credit files with all credit reporting agencies as I have NEVER had an account with this company. I have received phone calls and was mailed a bill that was not on a letter head from this company but from someone else. I do not owe this company any debt.
Product: Debt collection

Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my lease on a XXXX XXXX XXXX XXXX was coming to an end in XXXX. I leased a new XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX. Part of the lease agreement was that XXXX XXXX XXXX would pay my last lease payment on the XXXX XXXX XXXX. 

XXXX XXXX XXXX failed to pay off the last payment in a timely manner ( they paid it in XX/XX/XXXX, 6+ months after signing the lease agreement ). This resulted on Hyundai Motor finance reporting me to the credit bureaus. 

I disputed this with Hyundai and was denied ( 5 weeks after sending in the letter ) stating " the disputed information is accurate as reported. '' I called Hyundai and they were unable to provide the information that was reported and refused to provide any further information to me over the phone. They advised XXXX XXXX   XXXX is a third party and is not responsible for the payment. Which means that I was held responsible for paying the final payment even though the dealership agreed to pay it contractually.
Product: Debt collection

contacted the following reporting agencies which are XXXX Transunion, & XXXX and made it clear that these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not my accounts and I've been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX DISPUTED : XXXX. XXXX XXXX XXXX XXXX  ON XX/XX/2022 I SENT EQUIFAX A CERTIFIED LETTER REQUESTING THE Method Of Verification Using FCRA 611. I RECEIVED XXXX LETTERS DATED XXXX XXXX, NONE OF THE LETTERS CONTAINING THE INFORMATION REQUESTED. 


EQUIFAX HAS YET TO RESPOND WITH ANY OF THE INFORMATION I REQUESTED. 

AND THE XXXX DAYS THEY HAD TO RESPOND HAS EXPIRED EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BY FAILING TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION. THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION. 

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance. 


SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] THEY WERE ALSO GIVEN 15 DAYS TO RESPOND. The FCRA says that you have to tell me this in 15 days if I ask.
Product: Prepaid card

I received an Amex Gift Card. I have a valid balance of {$500.00}. ( downloaded ) American Express advertises ( downloaded ) that the gift card can be used virtually anywhere. 

I attempted to use it at XXXX of the major retailers in the XXXX XXXX and XXXX. It was refused. 

I called American Express. They said they put the card on hold because there records showed I tried to use it at XXXX and XXXX, and the card can not be used there. They sent me a replacement card ( downloaded ) I would like to have American Express send me a check for the {$500.00} balance, as I can not use it at XXXX of the largest retailers.
Product: Debt collection

Received a Text XX/XX/XXXX at XXXX XXXX  from Central Portfolio Control IncXXXX, regarding a matter that their office is handling. I click the link and add the agency XXXX  XXXX. It then brings me to an account that states I owe an alleged debt for {$10000.00}. The Original Creditor was XXXX XXXX XXXX, assignee of XXXX, who previously charged off the alleged debt. I have no contract with Central Portfolio Control Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between Central Portfolio Control Inc. and XXXX XXXX XXXX, assignee of XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is trying to collect a Membership Fee on account 's that have been confirmed as closed by both XXXX 's ( ending XXXX ) and by Experian ( ending XXXX ). This is a fraudulent practice and could impact my Credit Rating.
Product: Mortgage

I have a mortgage account with OCWEN INC. My account was initially with XXXX in XX/XX/XXXX and they sold soon after to OCWEN XXXX My account has been pain on time and current since XX/XX/XXXX, however OCWEN have filed a public record stating bankruptcy was dismissed in XX/XX/XXXX. This information is completely inaccurate and OCWEN refuse to correct ASAP even though I have contacted then on numerous occasions. The last person I spoke to ask me to send them a letter detailing the issue. This is affecting my credit because of this information. I have written to the XXXX credit bureaus and they are insisting the information was verified even though I get a response from them within 7 days. I am sure it takes more than 7 days to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

This is an addendum to yesterday 's closure of the complaint after speaking with someone familiar with Foreclosure law. Shell Point Mortgage is in violation of Michigan law for the following reasons 1. Michigan law states that 15 days before a notice of foreclosure is sent to the newspaper. The sheriff must post on the property a notice of foreclosure as of XXXX am est on XX/XX/2022 no notice has happened the first newspaper notice was placed on XX/XX/XXXX or around that time. Which shows they don'tcare about the laworconsumer rights. 

2. I have asked them numerous times to contact me so we can discuss this they have not responded.

3.The website says we are in forbearance or foreclosure which is it. 

We are adding this to our MI AG Complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXXXXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX  XXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my Equifax reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE. THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE FRAUDULENT PERSONAL INFORMATION FROM MY CONSUMER CREDIT REPORT.
Product: Checking or savings account

I received a Security check deposit in the amount of {$1300.00} from a rental and deposited the check into my Chase account without sisters signature. The bank cleared the check and then claimed they needed to verify the check with my sister and the rental company. They verified it with my sister and now they keep stating they cant verify the check with rental company and has held our check, froze my account, closed it and is refusing to release our funds. The rental company wont help because it shows the check cleared on their end. We have given them every number associated with the rental company and still no release of funds and then was told money will be kept in a settlement account with Chase NY for up to XXXX years if not resolved. This has been going on since XX/XX/2024. Filed a complaint previously and you guys did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my Trans Union, XXXX and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX , XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX
Product: Debt collection

In  2011  I had a   XXXX   XXXX   at  XXXX   XXXX   XXXX  in  XXXX  GA which was paid for at 100 % by my insurance. I was called back for  XXXX  additional procedures. No explanation was given to me in reference to why I was called back. Then the physician during an   XXXX   asked if I had had any  XXXX   XXXX  I replied yes and that I had been asked that question on my first visit and had answered yes. She said " oh, then you are fine '' and immediately stopped the  XXXX . It became apparent that the tech did not write down the very pertinent information which would have saved me  XXXX  extra trips to the hospital and the subsequent bill. I received a bill for {$370.00} for her mistake. I wrote a letter and called repeatedly but was ignored. I never received a response. Then they filed the debt on my credit report.  XXXX   XXXX   XXXX  had no right to charge me for their mistake. I filed another dispute with   XXXX   and the response was " This creditor has verified to  OUR company that the balance is being reported correctly '' It adds insult to injury when the hospital staff screws up and then charges the consumer for their error.
Product: Debt collection

This account was paid off in the form of a settlement. I'm still receiving bills from the collection company. This account was settled in the beginning of last year in the amount of {$750.00}. They have me in collection in the amount of {$1000.00}. This account has been closed and paid off. I tried to resolved this issue on my own but their customer service is rude and unprofessional. I'm getting frustrated because they act like they do not understand their customer. They tried to scream at me for something I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way.
Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX  Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year.
These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by two employees that no late charges would accrue during the pending forbearance, and it would take 30 days for a decision. 

However, Amerisave took more than 60 days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager.

I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance carrier and auto loan agent refused to hold regarding my insurance carrier at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.