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

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 paym
ent 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 includin
g 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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of late marks from the following accounts in my credit profile, as they are inaccurate and misleading. According to the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to do so will constitute a violation of the Act and may prompt an investigation by the Federal Trade Commission. The accounts in question are : XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======Equifax : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide proof that these accounts legitimately belong on my report and ensure my rights have not been violated. If no such record exists, please update the inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I received a call from Transworld Systems , Inc. attempting to collect a debt for XXXX  XXXX  in XXXX, SC of roughly {$300.00}. I told the representative that I did not have a debt with them as I paid off my final bill in XX/XX/2019 after I had moved out in XXXX of 2019. The representative acknowledged that I did indeed make a payment on XX/XX/2019 but this was a new debt submitted to the collection agency by XXXX XXXX  on XX/XX/2019. I told her it was impossible to accumulate additional as I no longer resided in XXXX. The representative advised that I reach out to XXXX  XXXX  directly to find out what the debt was for as the representative at Transworld Systems , Inc. stated XXXX XXXX  did not provide any details regarding the debt. I insisted that they had the wrong person and she asked me to confirm my information which I did. She basically said it is my debt and that if I dont pay it it will be reported to credit agencies. On XX/XX/2019 I contacted XXXX XXXX  and confirmed with the lady working at XXXX XXXX that I do not owe any additional debts to them and she advised me to confirm the debt collection agency was legitimate. She forwarded me a copy of my ledger which showed I had a {$0.00} balance on my account. I called Transworld Systems , Inc. and again informed them that it wasnt my debt and I have written confirmation from XXXX  XXXX  that I could forward via email. The agency stated that they dont do email correspondence and that I could either mail or fax it in. I faxed it in twice and called to confirm their receiving. So far they say it has not been updated yet and they cant give me an estimated time for it to update. Simply, this is not my debt, I have confirmed this is not my debt, and have done my due diligence to submit documentation requested by the debt collection agency without resolution. Please help!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. Accounts Negatively affecting my credit are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} which was a result of identity thief that the report agency failed to properly investigated and provide validation of the account. FCRA section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or remove it. FRCA section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or unverifiable, the agency must correct or delete it. FCRA section 611 ( a ) ( 5 ) ( B ) : Specifies that if a previously removed item is reinserted, the agency must notify the consumer within five business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, XXXX sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} TD AUTO FIN XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX FLAT SHOALS XXXX, GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {XXXX XXXX XXXX XXXX XXXX Balance Owed : {XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {XXXX0}
Product: Credit reporting or other personal consumer reports

I am writing to inform you thati have been a victim of identity theft.i have identified accounts on my credit report that are reporting inaccurate fradulent negative and outdated which have caused significant harm to my creditworthiness and financial health. Under the Fair Credit Reporting Act Section 623 ( a ) ( A ) i have the right to dispute and request removal of fraudulent negative outdated and inaccurate information on my credit report. The Fraudulent accounts indentified on my report is : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. FRAUDULENT Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX i believe that my information was exposed during several significant data breaches that have occured since 2016, including XXXX and XXXX. these breaches has compromised my personal information and left me vulnerable to identity theft.
Product: Mortgage

Property XXXX XXXX XXXX, XXXX, NJ XXXX # XXXX Sold XXXX 1st Modification XXXX Transfer to Ocwen XXXX Three payments paid but not credited XXXX, XXXX, XXXX and XXXX, XXXX. 
XX/XX/XXXX loan transferred to XXXX. 
XX/XX/XXXX payment sent to XXXX as directed. 
XX/XX/XXXX loan sent back to Ocwen. 
XX/XX/XXXX XXXX payment returned to Ocwen and credited to trial modification. Nj 2nd Modification trial payments completed XXXX, XXXX to XXXX, XXXX Shortage of {$5000.00} requested to be corrected. Ocwen refused to add the missing {$5000.00} and ended the Modification saying that {$10000.00} was owed in XXXX, XXXX. 
XXXX, XXXX Appeal sent for termination of the Modification to Ocwen and XXXX XXXX but they refused. 
XXXX, XXXX mortgagee filed complaint in XXXX XXXX XXXX XXXX and requested that the mortgage be paid through a court account since Ocwen was not applying payments properly. Request denied. 
XXXX mortgagee files a XXXX Complaint in XXXX XXXX XXXX. 
XXXX Servicing of the Mortgage was assigned to the XXXX XXXX XXXX. 
Improper Servicing was submitted for every stage of the Foreclosure Process so mortgagee was unable to appear due to never being notified. 
XX/XX/XXXX trial period for XXXX Modification was paid until XX/XX/XXXX but no permanent modification was received in the mail from Ocwen. 
XXXX XXXX XXXX said they sent the permanent Modification by email which was false and subsequently XXXX closed the Permanent Modification in XXXX, XXXX unknown to the mortgagee so payments continued until XXXX, XXXX. 
In answer to a CFPB complaint also in XXXX, XXXX, the missing payment of XXXX, XXXX was found and credited back to the mortgage. The missing payments of XXXX & XXXX should be investigated so it can be verified that the loan was not delinquent in XXXX and the Foreclosure is illegal and should be reversed in favor of the mortgagee by titling the house to the mortgagee for {$16000.00} and no further payments. Or return the house for {$2000.00}.
Product: Credit reporting or other personal consumer reports

Under 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 Number. I looked at my credit report on XX/XX/XXXX, and some things are incomplete or inaccurate on my Equifax credit reort xxxxxxxxxxxxx XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type OTHER Creditor Classification - Loan Type - Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$210.00} XXXX XXXX XXXX XXXX XXXX - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX Disputes, have violated my rights. 

According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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: Vehicle loan or lease

Credit Acceptance XX/XX/XXXX At XXXX XXXX With An Annual Percentage Rate Of 22.99 % With A Finance Charge Of {$11000.00} Amount Financed {$14000.00} Total Of Payments {$25000.00} The Total Cost Of Purchase On Credit Including My Down Payment Of {$7200.00} My Total Sales Price Is {$32000.00} But I Only Put A Down Payment of {$2500.00} Down On The XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Odometer Reading XXXX They Lied About The {$7200.00} Over The Past XXXX XXXX Years Ive Asked For A More Lenient Monthly Payment But They Said No XXXX XX/XX/XXXX I Seen A XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX XXXX I Called Credit Acceptance The Next Day And They Said They Never Reposed The Vehicle I Called For A Week Straight They Said They Do Not Have The Vehicle I Called The Local Tow Companies The State Police For Almost 2 Years Looking For The Vehicle No One Has It Or Seen It i Got Desperate And Filed A Police Report To See If The Local Police Can Find It They Also Havent Seen The XXXX I Contacted Credit Acceptance and Explain The Problem They Only Was Concerned About The Payments When I Know For Sure They Have The Vehicle For XXXX and XXXX Ive been using Friends And Family Vehicles And Public Transportation To Get Around To Work Ect.. Its Been A Nightmare My Credit Score Is Decreasing Slowly And More Late Fees Are Being Added On To The Price Of The Vehicle After Two Years The Vehicle Was Never Charged Of On My Credit Just More Late Fees And The Balance Increased
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have been disputing the negative mark on my credit report from XXXX XXXX and all three credit bureaus, The transmission went out in my car and I called XXXX to see if they would be able to fix the transmission and I was denied due to the warranty being over by 1 mile. XXXX knew they sold me a lemon to begin with and for them not be willing to fix the transmission and demand the car payments is not right at all. XXXX says the balance on the vehicle loan is {$13000.00} however to replace the transmission on my own would have cost me over {$4000.00} and I don't have that kind of money and is unable to keep up. I asked what else could be done since I could no longer drive the car since the transmission went out and I could no longer keep up with the payments due to financial hardship. XXXX said there was nothing they could do and allowed the car to sit outside of my house for 3 months on purpose so they can put it on my credit as a repossession and put a negative impact on my credit report. After going back and forth with XXXX I asked for my 1099-C to show the debt has been cancelled on their end and they wrote it off as income. When I finally received the 1099-C it does not have my correct address on it. I called XXXX to get answers they told me that I can put the 1099-C on my taxes however they did not mail me a new 1099-C with my correct address which would cause issues. XXXX told me I still owed the debt and the 1099-C form really doesn't mean anything anymore and it can not be used to remove the negative mark on my credit report and the 1099-C is only for my records. I have never lived at the address listed on the 1099-C. The date of identifiable event on the 1099-C is incorrect ; XXXX has XXXX as XX/XX/XXXX however they came and got the none working vehicle in XXXXXXXX XXXX XXXX XXXX is identifiable event code ( G ) meaning XXXX made the decision to discontinue collection to pursue payment. XXXX never changed the address on the 1099-C because I never received an updated one which causes a discrepancy with the credit bureaus when I submitted the 1099-C to Experian, XXXX, and XXXX and filed disputes XXXX all three credit bureaus told me they spoke to XXXX and XXXX told them not to remove the negative mark and all the information on the 1099-C is accurate and that is not correct. I just checked my credit reports and all three credit bureaus have the XXXX negative mark to fall off XXXX of XXXX and it says Paid Off. Which means they came and got the vehicle in XXXX ; because XXXX will be 7 years and by law the credit bureaus have to remove it from my credit report. Also, since the credit bureaus have Paid off regarding this account it should not be on my credit report.
Product: Checking or savings account

Earlier today I withdrew money from my XXXX work app which allows me to have early access to my next weeks paycheck. I sent {$480.00} to my friend XXXX XXXX, via cashapp. ( WHOs cashapp account was frozen and I did not know prior ) He has my money sitting in his balance and they will not allow him to refund me my money!!!! This is a shady business.
Product: Debt collection

I was never contacted by AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They put a collections notice on all of my credit accounts. XXXX and XXXX removed it immediately as it is not my debt. XXXX did not remove it even though the debt address is a location I have never lived or am associated with. 

The " confirmation '' of the debt came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on active duty loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXXXXXX ) creditor told me I am right but still refuses to remove late pays.
Product: Checking or savings account

In XXXX of 2021 3 overdraft fee exceed wwith {$200.00} total of overdraft fee all together date can be not right but close enough
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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT of EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of EdXXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX they keep putting old stuff back on my credit report and I keep trying to send paperwork it's in paperwork then I give them my identification I give my proof of everything and they keep putting old past stuff back on there and it shouldn't be it's all paid in full everything is XXXX there's something definitely going wrong I should have a XXXX score all that stuff on there is wrong