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

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> 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.

This company 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 or other personal consumer reports

dear, equifax. My name is showing incorrectly on my credit report. I have contacted equifax in efforts to get this corrected/updated, no luck. I am sending this complaint to get this updated as soon as possible. My name should be XXXX XXXX XXXX. Any other incorrect mispelled names should be updated/corrected or deleted. My only name should be XXXX XXXX XXXX. I have attached Driver 's license, social security card, and utility bill with my correct name so that you may update it on my credit report. Please update this information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus . As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for Equifax credit monitoring, to date nothing has changed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that has been reported on my credit report concerning my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **High Balance : ** {$4000.00} - **Date of Last Activity : ** XX/XX/year> - **Account Status : ** Closed - **Payment Status : ** Late 90 Days XXXX. Inaccurate Reporting of Late Payment : ** I have identified a 90-day late payment listed on my account that is inaccurate. Under **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) **, when the accuracy of any item of information contained in a consumers file is disputed, the consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This late payment is incorrect, and I request that it be deleted from my credit report. 

XXXX. Incomplete and Unverified Information : ** According to **15 U.S. Code 1681i ( a ) ( 1 ) ( C ) **, if during the 30-day period of reinvestigation, the information is found to be inaccurate or incomplete, or if the consumer reporting agency determines that the information can not be verified, the agency must delete the item from the file. In this case, the late payment information can not be verified as accurate. 

XXXX. Failure to Provide Timely Notice : ** Under **15 U.S. Code 1681i ( a ) ( 2 ) ( A ) **, the credit reporting agency is required to notify the furnisher of the disputed information within five business days. I have not been informed of any actions taken by the credit bureaus or the furnisher XXXX XXXX  XXXX XXXX ) to address the inaccuracies, which further demonstrates non-compliance with the FCRA. 

Requested Action I respectfully request the following actions be taken : XXXX. **Immediate Deletion of Inaccurate Late Payment Information** : Given that the reported late payment is inaccurate and unverifiable, it must be removed from my credit report. 

XXXX. **Correction of Account Status** : The account status should reflect accurate payment history without the incorrect late payment entries. 

XXXX. **Written Confirmation** : Please provide written confirmation that this dispute has been resolved and that the inaccurate information has been deleted from my credit report. 
Supporting Documentation I have attached relevant documents, including payment records, that support my claim and demonstrate that the reported late payment is incorrect. Please consider this as part of your reinvestigation process. 

I trust that you will conduct a thorough and timely investigation as required by law and correct these errors promptly. I appreciate your attention to this matter and look forward to receiving confirmation that my credit report has been corrected.
Product: Credit reporting or other personal consumer reports

According to the FCRA SECTION 605B It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

This notice is to inform you that you unlawfully reported an unauthorized account to my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C.1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful non compliance-616.civil liability for willful non compliance [ 15 U.S.C. 1681n ] XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion and XXXX credit reports have my name as XXXX XXXX not XXXX XXXX and its been legally changed since XX/XX/2018 by the state of XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Carringhton Mortgage company increased my escrow d for almost {$300.00} without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. Upon reviewing of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 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
Product: Credit reporting

I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.
Product: Debt collection

I have received many calls everyday from united collection bureau. They have never sent me any type of mail informing me of the debt they are attempting to collect on.
Product: Debt collection

I was trying to buy a car & and I checked my credit and it was a collection on it saying I owed XXXX XXXX That was back in 2018 and I just recently called they said they are a 3rd party lender that XXXX gives all information too and such. I didnt sign a contract nor. Did they Loan me any money under the acts of fcra 15 u.s.c 1681
Product: Credit card

In XXXX XXXX we contacted Synchrony Bank and were told our pay off amount would be {$3100.00}. We then doubled our monthly payment to expedite the payoff. XXXX XXXX we contacted Synchrony Bank again and was told that the pay off amount was around {$2400.00}. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the information we requested about our account was no longer available.
Product: Student loan

In XXXX XXXX XXXX I had 5 payments left to complete the Public Service Loan Forgiveness program. I made 4 payments which I contacted you about previously because the payments were missing from my account. MOHELA found them and applied them to my account, but they did not apply them toward " due dates ''. There is a forbearance on my account, which I have asked repeatedly for them to remove, but they refuse. I called the Department of Education who said I should apply for a different repayment schedule. I applied for and was approved by the Dept of Ed for the ICR plan at a lower payment amount. MOHELA is now refusing to apply that repayment schedule. They are stating that it is the fault of the Department of Education. When I call the Department of Education, they are saying that it is basically whatever MOHELA says and there is nothing they can do. They have on their website that changing the repayment plan is an option, but it is NOT. I have a letter from MOHELA that states I can end my forbearance immediately, but when I try to do that, they refuse because they can not and WILL NOT put it back into SAVE or onto ICR. The Department of Education said I could apply for a " Buyback '' to get my PSLF completed, but that they will tell me a dollar amount that I have to pay off in order to get that benefit. I already paid all 5 payments under the ICR repayment amount. I completed my required employment on XX/XX/XXXX. I don't want to pay another $ XXXX amount in addition to the over {$950.00} that they are holding onto. MOHELA said to get a refund, I would have to wait over 90 days and I don't trust that the refund process will actually work at this point, so I didn't request a refund. It shouldn't be a refund, they should apply that money to the 5 due dates and then process my PSLF. One other thing - during all of this - interest is accruing. They are charging people interest while on a forbearance that people do not want. And if they ever do put a payment plan back on, it will be go-forward which is forcing me to work a lot longer in public service than I want to/need to. That is not fair at all. If I want to retire or quit - I can not due to this mess.
Product: Mortgage

US Bank Home Mortgage made a change to the above account ( Account Information section ), related to the Second mortgage, and a XXXX XXXX XXXX. ( See attached XXXX ) I contacted US Bank Home Mortgage , directly , on XX/XX/22, and asked them to provide, in writing, what change US Bank Home Mortgage made to the account and why. I was told I would receive an emailed response from US Bank Home Mortgage by XX/XX/22. I did not receive a response and had to contact US Bank Home Mortgage again to request the status of my request. I contacted US Bank Home Mortgage again on XX/XX/22, and XXXX ( US Bank rep ) informed me that I would receive a response within the hour. I received an email from US Bank on XX/XX/22 that contained only a XXXX XXXX to Note. There was no direct explanation or detail as to why US Bank made the change to my account. 

I respectfully ask that your office investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXXXXXX XXXX to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Product: Debt collection

Received notification through XXXX XXXX that there was a collection amount of {$990.00} owed to a collection agency, MBA Law. I also received a letter in the mail from MBA Law stating the collection amount but no information provided as to where this came from. 

The original creditor name was XXXX XXXX, a hospital I have never been to and is only affiliated with two hospitals in the state of Ohio, the city of XXXX and the city of XXXX ( all other locations are not in Ohio ). I live in XXXX, Ohio and both of these hospitals are much further than my local XXXX hospital ( where I always go to if need be ). I have not been to the hospital at all this year and with COVID going on I chose to visit my local urgent cares if I had to. Since I do not have health insurance I paid upfront for every visit at a local urgent care. 

Since this has been turned over to MBA Law my credit score has decreased significantly over this. I have had a credit score of XXXX and above on XXXX, XXXX  and XXXX since I have established credit. 

Again, I have not been to a hospital at all this year and I am completely baffled how I have a hospital bill from XX/XX/21.
Product: Debt collection

On XX/XX/2020 at XXXXish I received a call from Comenity Bank and spoken to them about some debt I have. 5 minutes later I received a call from a family member saying they were contact by them as well around XXXX. This Family member has no right to my info and isnt on none of my paperwork so they have broken the fair credit act with me and I will like to know whats the next step to be taking.
Product: Mortgage

My second loan mortgage company from XXXX is demanding {$65000.00} principal balance and a additional {$23000.00} late fees and delinquency fees to stop the foreclosure on my home. I'm in good standing with my mortgage lender and my lender has know idea of what is going on. I have not received any notice of debt for over 10 years from Franklin Credit Management Corporation and now they are saying I'm in default. 
I was unaware of this debt, my home was purchased in XX/XX/XXXX before the mortgage crisis. My property was at its highest costing {$330000.00}, my wife and I paid both 1st and 2nd mortgage at the introductory interest rate. When the interest increased we could not afford to pay and we received a loan modification. The modification was for the principal balance, and the new balance was {$320000.00}. When I was modified I was lead to believe that the 1st and 2nd was modified together. 10 years with no contact and forcing a foreclosure on our home is unfair. I want to remain in our home and have a fair resolution to this issue. I also want to know if this is a legitimate claim of debt practices by Franklin Credit Management Corporation.
Product: Credit reporting or other personal consumer reports

All details of my Identity Theft Report as well as dates and other information are included in strong detailed description in my letter.
Product: Mortgage

My name is XXXX XXXX. My home address in XXXX XXXX XXXX, XXXX, NY XXXX. My loan number is XXXX. 

I have made several attempts to work with my mortgage company XXXX TIAA Bank XXXX on a solution for the amount owed to them due to the mortgage forbearance plan I took in XX/XX/2020 as a result of COVID-19. I have applied for a payment deferral in XX/XX/2020 however TIAA Bank has not yet provide me an update on my application and now they are requesting me to pay the entire amount due. I have started making regular mortgage payments since XX/XX/2020 but I can't afford to pay the entire amount due. TIAA Bank is unwilling to help me find a solution so I can stay in my home.
Product: Vehicle loan or lease

please help me remove those inquiry that docent belong to me they were traying to get some auto we thought my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX  XXXX
Product: Bank account or service

BB & T processes debits to accounts before credits/deposits triggering unfair overdraft fees. This has gone on for years and they refuse to refund the fees.
Product: Money transfer, virtual currency, or money service

COINBASE transfer to a FRAUD SCAM Brokers : XXXX, and, XXXX XXXX. 

I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multi-layered scam operation orchestrated by XXXX, and, XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged a {$40.00} late fee, and again on XX/XX/XXXX. 

My payment had always been due on the XXXX according to my new payment date, this is one day late. 

Called Comenity Bank and they refused to credit my account!
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing this information and charges regarding this account. I ordered an item from XXXX on XX/XX/XXXX and it was delivered on XX/XX/XXXX. I refused delivery and XXXX returned packages to XXXX on XX/XX/XXXX and they were signed for at XXXX warehouse on XX/XX/XXXX. 

I contacted Afterpay regarding this return on XX/XX/XXXX advising that item was returned to company on XX/XX/XXXX after receiving communication from Afterpay that payment was due again I contacted XXXX on XX/XX/XXXX and was advised refund was processed and I opened dispute with Afterpay same day and they advised they could not do anything even though I provided tracking information showing item was refused and returned and email from XXXX stating they had process refund. At this point Afterpay has been provided multiple proof from several different resources that item was returned to seller and refund was processed and I should be responsible for nothing.