23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to request XXXX XXXX  to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.
Product: Debt collection

This debt collection company NATIONAL CREDIT AUDIT CO ( " NCAC '' ) reported to the three major of credit bureaus that me and my husband XXXX XXXX owe their customer {$7600.00}. That is inaccurate and made my credit score got damage very much. Below are some information about how this collection company violated the law : - I dont own the creditor anything regarding to the fact that I signed up for the first year leasing and renewed for the second year. I moved out and the end of the renewed lease with a proper notice as they requested, I did not request and didnt agreed on any renewal for the third year. And of course, the last rent was paid fully, on time and accurate ( see in the report that I extracted from their database ) - I did NOT receive any notice from Creditor ( XXXX XXXX ) about my debt. It was a surprise and shock when the debt collector contacts me about the debt that I never own. Therefore, the creditor also violated the law by not sending the written notice as debt validation letter within five days of the collectors initial attempt to contact me as the consumer. 
- I disputed the alleged debt and requested the debt collector company to provide the proof and validation. The collector company did not provide the validation proof. So the alleged debt is invalid too. Please see the timeline and details that I recap below : * XX/XX/2022, we got an email from XXXX XXXX, said he/she is the debt collector and asked us to pay {$7600.00}. At first, we thought that was a scam, because in the email that they sent, we don't know where the debt came from, it was just saying that XXXX XXXX, the leasing office that after 01 year since we moved out, weve never heard anything from XXXX XXXX and we owe them anything. 
* XX/XX/2022 : we replied by sending an email to XXXX XXXX, the debt collector to dispute the alleged debt and requested the debt collector company to provide the proof and validation, and I also provided them my mailing address ( see attached email for details ) and we havent never ever heard anything from this collector, not even a reply email or any letter in mailbox. 
* XX/XX/2022 : the credit score report showed that debt and the score is damaged. 
* XX/XX/2022 : I received the FIRST and the ONLY one letter from NATIONAL CREDIT AUDIT CO. In the letter, the prepare date was XX/XX/2022, but in the US Postage envelop is XX/XX/2022. The letter said that I have been offered a variety of payment but I didnt take advantage of it. That is not true, I did not receive any letter from them before this letter.
Product: Checking or savings account

I opened on the account with BBVA on   XXXX ,2017     and it was a nightmare ever since. I started having issues over the past weekend with several overdraftfees from unathorized charges that caused overdraft fees I used the account to deposit small checks and this banks holds the check for  three  days no matter how small the amount, they took the entire deposit and refused to assist any further claiming the account was new I asked for the check to be release they refused to to so that way they were able to keep the check.I removed overdraft coverage and thought I would be okay and not have anymore problems with and on  XXXX  ,2017  I made small deposits and today they took that money as well and basically told me they that will not be refunding anything and to take it up with the merchant the charge was in authorized and a payment was made since then to the merchant and I do n't know why I was overdrafts fee again to take money from their customers this bank charged me for an unauthorized charge for a bill that was not set up on autopay or kept on file this bank tried to push the payment through and over drafted my account
Product: Credit reporting or other personal consumer reports

The Name and the address are incorrect I have called and to multiple representatives from The 3 credit bureau and they are not fixing it XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I emailed XXXX XXXX with Lexus XXXX XXXXXXXX XXXX XXXX XXXX regarding a second unauthorized credit inquiry on my credit report, conducted in XX/XX/2023. In addition to this I also contacted the office via phone the same day to discuss the problem. The representative i was transferred to acknowledged an IT issue on their end as the cause and requested that I send copies of the credit report to XXXX, assuring me that the matter would be resolved after discussion with their IT department. However, after following up 30 days later, no action had been taken by Lexus. In my pursuit of a resolution, I contacted the XXXX XXXX, XXXX XXXX, via email and phone on XX/XX/2023, who promised to address the issue. Despite providing XXXX XXXX XXXX  with all necessary information on that day, the problem persisted without a timely resolution. As of XX/XX/2023, XXXX XXXX XXXX claims that a second credit check was never conducted, contradicting evidence from all three credit agencies. Given the adverse impact on my credit score, affecting my financial well-being and impeding my ability to secure credit, I am left with no choice but to take legal action against Lexus of XXXX for the unauthorized credit inquiry.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit card

The Bank of America did not process my payment in a timely manner. The result is that my credit card has been placed in past due status, I can not use the card, and they levied a late fee. The payment will not process on Monday and they tell me that the earliest they can process is on Tuesday early morning between XXXX and XXXX am. 

At this point, B of A passed three processing periods. They have passed 72 hours and still can not process or find the payment. They are out of compliance with their policy.

There have removed any grace period for customers even though they give themselves a very big grace period. I have spoken with two customer service people, collections and escalation and none of their staff can not do anything. If I submit a payment to them directly, it will not process today. They can not find the payment in any queue. I have written documentation from XXXX that the payment was processed on XX/XX/XXXX at XXXX pm EST. 

SEQUENCE OF EVENTS XXXX ) My credit card due date is Thursday, XX/XX/XXXX. My balance due was {$83.00}, my total balance was {$1100.00} and my payment was for {$500.00}. 
2 ) I submitted a {$500.00} payment through my bank, XXXX, and have documentation that the payment was processed on XX/XX/XXXX at XXXX. 
3 ) It arrived at the Bank of America on XX/XX/XXXX per XXXX. 
4 ) Bank of America did not process the payment on XXXX XXXX between XXXX and XXXX early on Saturday morning. This might mean that payments submitted on XXXX will not be processed on Saturday in the early morning. They give themselves a XXXX to XXXX hour period to process. 
5 ) Bank of America did not process any payments over the weekend on XX/XX/XXXX or XX/XX/XXXX. They had my payment since XX/XX/XXXX and did not process it for XX/XX/XXXX, XXXX. 
6 ) They are now looking for the payment on Monday XX/XX/XXXX. They tell me that they do not process on Monday in the early morning between XXXX and XXXX. 
7 ) Further they tell me that they can not process my payment until Tuesday morning between XXXX and XXXX on Tuesday morning. 

NO GRACE PERIOD The Bank of America has instituted a policy of cutting off credit and assessing a late fee even though they give themselves XXXX to XXXX hours to process payments -- and takes even longer. This is aggressive, unfair to consumers and terrible customer service.
Product: Debt collection

XX/XX/2023 I noticed an account on my credit reports from a random third party called Oliphant that I never had any business relationship with.

Oliphant was attempting to collect on a debt in the amount of {$900.00} allegedly on behalf of a company called XXXX that I never had any business relationship with. 
I have had my identity stolen and sent Oliphant a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports.

I also disputed this fraudulent Oliphant account with the credit bureaus.

Oliphant however continued reporting this fraudulent Oliphant account with the credit bureaus. 
XX/XX/2023 I noticed Oliphant still reporting this fraudulent Oliphant account with the credit bureaus.

I then sent Oliphant a DEBT VALIDATION LETTER via certified mail XX/XX/2023. 

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. 
Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports. 

I then sent Oliphant a FAILURE TO RESPOND letter via certified mail XX/XX/2023. 

Oliphant violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. 

Oliphant violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law.

Oliphant violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated.

Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''.

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so.

Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

Additionally, Oliphant FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 2, 2023.

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports and it is still there as of this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a dispute was sent out to all XXXX credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited XXXX days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted American XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate
Product: Checking or savings account

I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months  term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX. 
The letter from Marcus didn't provide me with any reason as of why my account will be closed. 
I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank. 
I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX. 
I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.
Product: Credit reporting or other personal consumer reports

I've been taking the proper steps to fix my credit report for, months & yet they still have an account still reporting to my credit report : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I'm overwhelmed with confusion and frustration on why it's still reporting to all bureaus ; this debt was unfamiliar, and despite my requests for validation under consumer protection laws, their response was evasive and non-compliant. They had sidestepped the regulations meant to safeguard consumers, ignoring my rights to verification and transparency. It's been more than 30 days and all they say is they have updated everything and nothing gets changed from my dispute process on my credit report.
Product: Debt collection

On or about XX/XX/2023, I submitted a formal written debt validation request to RA Rogers INC Collection Consultants, at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Approximately two weeks later, I received a response from the named party, however, the information provided was not pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I again submitted a written reply on or about XX/XX/2023, notifying the named party that they have violated several of my consumer rights. Specifically, by failing to validate a debt at my request, which is an FDCPA violation and the named party continues to report a disputed debt to the Credit Bureaus : which is another FCRA violation. The named party was given two separate opportunities to furnish the requested FDCPA debt validation documentation. I have included the information that was requested below : Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature agreeing to the sell of my personal information to a third party, i.e., R. A. Rogers, Inc ; -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay R. A. Rogers, Inc., what you say I owe ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent ; As a result of their failure to comply with FDCPA regulations, I employ the " Estoppel by Silence '' in my defense and demand that this collection account be removed from the two credit bureaus ( XXXX and XXXX ) that the named party disclosed this information to and consequently damaged my credit profile. I look forward to working with you to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I have called multiple times with no help I provided a Police report from the county I live in as well as supporting documents and a FTC Report. I was told by phone by 3 fraud experts that the fraudulent accounts would be blocked and removed due to them being opened fraudulently they just needed the documents which i did uploaded. I spoke to another fraud expert on XX/XX/year> who told me she wasn't going to block the 3 accounts that were opened fraudulently that are damaging my credit. I provided police reports as 2 addresses were listed which were not mine but they removed one address an left the fraud address on my account. By Law -15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Has Failed to Correct XXXX of XXXX, XXXX Credit Card as well as Capital One credit card and remove an address that is not associated with me. I have secured Legal Representation due to the unforeseen circumstances and false information given by employees of XXXX multiple times. I am Requesting these fraudulent accounts be removed as i have produced a police report from the police station and a, FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, 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 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Account With Discover Bank
Product: Mortgage

On or about XX/XX/2022 BANK OF AMERICA was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$140000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. BANK OF AMERICA Finance redeemed the the instrument on or about XX/XX/2022. BANK OF AMERICA Finance has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor. BANK OF AMERICA is currently extorting allege Debtor fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Product: Debt collection

Midland Funding LLC for XXXX XXXX balance was paid since XX/XX/2021. Still reporting on my credit report was suppose to be removed from all three credit agencies.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in attachment
Product: Credit reporting or other personal consumer reports

I checked my XXXXXXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX Bank ; for NoXX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I sent a dispute letter through mail, to TransUnion.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Midland Credit Management Acct # XXXX Midland Credit Management Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX. XXXX XXXX  illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXXXXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA auto has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.