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

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

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

I demand the late payment reported to be removed/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 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. 

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!
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the status of my account with your organization. According to my credit report, the account was charged off before the completion of the XXXX period, which is inconsistent with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

As per the 15 U.S. Code 1681- Congressional findings and statement of purpose, the FCRA was enacted to ensure fair and accurate reporting of consumer credit information. It is of utmost importance that all parties involved, including original creditors like yourself, adhere to these guidelines to maintain the integrity of the credit reporting system.

I kindly request an explanation as to why the account was charged off before the completion of the 180-day period. It is crucial for me to understand the circumstances surrounding this decision, as it directly impacts the accuracy and completeness of my credit report. Additionally, I request validation of the debt in question, including the original amount, any applicable fees or interest, and a breakdown of the transactions leading to the outstanding balance.

Furthermore, I would like to inquire whether insurance has been filed for this account. If an insurance claim has been made, please provide details regarding the coverage and its impact on the outstanding balance. Additionally, I would like to know if a 1099-C form has been filed for this account, as it may have tax implications.

It is important to note that the accuracy and completeness of reported information are paramount. As outlined in the 15 U.S. Code 1692e - False or misleading representations, debt collectors and creditors are prohibited from making false or misleading statements. Any inaccuracies or misleading information can have serious consequences for consumers, affecting their creditworthiness, financial opportunities, and overall well-being.
Product: Debt collection

Today, XX/XX/2020, at about XXXX XXXX  CST, a representative from Scott & Associates came to our home residence at XXXX XXXX XXXX XXXX, XXXX TX, ,XXXX, ' asking for XXXX XXXX stating he has there to collect a debt and service a legal notice for legal action. He was very threatening to my wife who was home alone. We have XXXX  video as proof.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at TransUnion, I am submitting this complaint to request the blocking of information on my consumer credit report as permitted by FCRA 605B ( 15 U.S.C. 1681c-2 ) due to identity theft and fraud. I ask that you take action to remove this fraudulent information within four business days of receiving this complaint.

The inaccurate accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX300.00} These accounts have led to numerous fraudulent collections appearing on my credit report. I do not recognize any of these accounts or collections, and I affirm that they were not initiated by me.

Attached to this complaint, you will find a copy of my consumer FICO credit report, which highlights these fraudulent items, as well as a copy of the FTC Identity Theft Complaint ( Case Number XXXX and XXXX confirming that these accounts are a result of identity theft. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I applied for an American Express Premier Rewards Gold Card. Prior to submitting the online application there was a pop-up saying that I was ineligible for the sign up bonus because the system thought I had received this offer previously, when I have not. I called American Express Customer service to confirm that I have never previously received this bonus, and they confirmed to me that I was indeed eligible for the sign up bonus ( XXXX MR / {$2000.00} spend ). The representative claimed that the system improperly marked that I had previously had the card because I was put as an authorized user on my wife 's own Premier Rewards Gold Card. They confirmed that being an authorized user would not  prevent me from receiving the sign up-bonus. After being assured that I would receive the bonus after applying and guaranteed that I would receive the bonus via phone ( XX/XX/2018 ), I submitted my application. After being approved, I Live Chatted with a representative to make sure that the offer was attached to my account. The offer was not attached to my card, and an investigation was opened to resolve the issue. I was told that since I was reassured via phone call ( again XX/XX/2018 ) and guaranteed that I would receive the sign up offer, I should have no issues. I was told to wait a few weeks while the matter was being investigated. 

I have checked back in with American Express Representatives many times in the past month to check the status of the application.Today XX/XX/2018 I checked the status of the investigation again and was told that I was denied the sign up bonus. When asked the reason they claimed that I have misused the offer. I only just opened the card and have only 1 other credit card with them ; I have never misused any offers. When I asked for them to be specific, they were unable to provide any details. They told me that they can re-open the investigation, but I would have to wait 6-8 weeks before I could check back in to check the status of the investigation. When asked to escalate the issue, because I have already waited a month, they insist that they can only have me wait another 6-8 weeks before I can hear back. 

I feel as though American Express business practices are very deceitful. I was promised I would have no issues with the sign up bonus BEFORE applying and the representative said that I would " 110 % receive the bonus. '' After reassuring me to apply, and that I was eligible, my account had no offer attached and now after the investigation they claim that I have misused the offer. When I asked for them to clarify how I have misused their offer, they are unable to provide any specific details as to how I misused their offer. They claimed that they would re-open the investigation and want me to wait 6-8 weeks before they can tell me what they should have already investigated.
Product: Debt collection

I was making medical payments directly to the University of Utah when, without any prior notice, they sold my account to a collection agency. I was unaware of this transfer until the account appeared in collections. When I check my account they notified an incorrect address, which had since been updated. I disputed the debt with the collection agency on XX/XX/year> requesting proof of the debt. However, they failed to provide verification within the required 30-day period and only sent the validation after the deadline had passed. Despite this, they reported the debt to my credit report. I have proof that I was making payments of minimum XXXX $ monthly even through financial hardship.
Product: Student loan

I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?
Product: Debt collection

For the last couple days I've received at least 8 calls starting as early as XXXX all the way until XXXX at night. I've tried to tell them numerous times to quit calling me and to send all documents through the mail to the address on file and they refuse saying they can't do that.
Product: Debt collection

Pursuant to my rights under 15 U.S.C. 1692g, I am requestingg The originall purchase agreement between NATIONAL RECOVERY AGENCY and the original creditor, Account # XXXX proving legal authority to collect this debt. If failed to provide NATIONAL RECOVERY AGENCY has no legal authority to collectt or report this debt. Need this removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i reach out to XXXX  and equifax about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
Product: Payday loan, title loan, or personal loan

These people are charging me a usury interest rate of 500 % and I was not told about it .I am XXXX years old and on social security. I told them that I can not make payments of {$800.00} 0 per month because I only get {$2100.00} to XXXX XXXX and XXXX XXXX on XXXX/XXXX/2017. I will be XXXX  when this thing is paid ... .the account number is XXXX their web site is www.CashnetUSA.com Phone number is XXXX Please help me XXXX XXXX
Product: Mortgage

Insurance check for hail damage included phh mortgage as payee. Check was sent to phh with the understanding that they would release funds to me and the contractor upon completion as verified by their inspector. I called for an inspection on XX/XX/XXXX and was told that the inspector will call me. The first time I called to ask why no one had called, i was told that the inspection company has 7 business days to respond and it had only been 6. Each time I called after that I was told that another inspection request had been sent. The people who answer the phones in the " Loss Draft '' department say they have no control over the inspectors they hire and can not give me information to allow me to follow up with them. 
It has been over three weeks since I asked for an inspection. It appears that phh is intentionally delaying the inspection so that they can have the use of my insurance money as long as possible. My contractor has the legal right to a late fee from me and phh would certainly assess a penalty if I was late on a payment to them. So I believe a fair resolution would include a late payment penalty comparable to what they would expect from me if I was a month late on a balloon payment of over {$42000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Applied for a refinance with First Centennial Mortgage company in XXXX and submitted all necessary paperwork for the loan. Credit was pulled at the time. Shortly after, received a conditional approval for the loan. 

To date, I have received no response to my application because underwriting at First Centennial Mortgage requested for a second appraisal on my home. I feel that perhaps I was targeted as a minority ( XXXX ) for the second appraisal review. I would like to see how many others have had to go through a second appraisal process and the mix of ethnicity. My loan officer mentioned that he has never seen a second request for an appraisal review before. There were questions regarding the first appraisal which were answered by the appraiser but now, my application is in limbo. 

Since then, interest rates have increased and I have NO other communication on my application. I suspect now things fall through.
Product: Credit reporting or other personal consumer reports

Subject : Request for Goodwill Adjustment - Account Number : [ XXXX ] I am writing to you as a valued customer of Flagship Credit Acceptance, regarding my account with the account number mentioned above. 

I have been a loyal customer of Flagship Credit Acceptance since XXXX and I appreciate the services and support provided during this time. However, I encountered some financial difficulties that resulted in a late payments in XXXX, XXXX, XXXX, XXXX in XXXX and XX/XX/XXXX on my account.

I

understand that maintaining a positive payment history is crucial, and I take full responsibility for the situation. Due to the unforeseen circumstances, I was unable to make the payment on time, leading to the late payments. I am writing to request your understanding and consideration in granting a goodwill adjustment for the negative mark on my account. The remarks should not have shown as late because extensions were put in at those times. Also I tried numerous times for the late payments to be deleted with no avail. I assure you that this was an isolated incident, and I have taken steps to ensure that my payments are made promptly in the future. A positive adjustment on my account would not only improve my credit standing but also reaffirm my commitment to maintaining a strong relationship with Flagship Credit Acceptance. I appreciate your time and attention to this matter.
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Date Reported : XX/XX/2019 Amount : {$350.00} Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX I am attempting to resolve this collection due to the fact they are stating false account information. My auto insurance coverage with XXXX XXXX was due on XX/XX/2019. I was in a critical accident on XX/XX/2019, I successfully made the payment on XX/XX/2019 of {$350.00}. I also talked to a representative the same day of the accident stating that my car is totaled and I will no longer need auto coverage since my vehicle was towed to an auto body shop. The same the shop told me my vehicle was most likely totaled, I told those same words to a representative to help me cancel my coverage after successful payment. Two months later on XX/XX/2019, I see a collection amount of another {$350.00} for the month of XX/XX/2019. XXXX did not take appropriate measures to make sure they successfully canceled my coverage.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of debt bondage and would like for all the listed accounts to be blocked and deleted from my credit report. Not only am I a victim of XXXX XXXX of debt bondage, but multiple victim of identity theft. I have provided multiple FTC forms and proof of this to no avail. Please note these are the accounts : XXXX Account # XXXX, bal. {$1400.00}, Santander Consumer USA Account # XXXX, bal. {$53000.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX, bal. {$89000.00}, and XXXX XXXX XXXX XXXX Account # XXXX bal {$70000.00}.
Product: Credit card

As of XX/XX/2024, I had XXXX active CC numbers on my American Express ( AMEX ) account : On XX/XX/XXXX, I called AMEX and cancelled all existing and old credit card numbers on my account and requested XXXX new cards with XXXX new numbers. I requested that no more charges of any kind be allowed to be charged on the old numbers. I was issued XXXX new numbers and XXXX new physical cards. 

On approximately XX/XX/XXXX, I received a notice of a new charge posted to my account in the amount of {$110.00}. This charge showed up on my account as posted to my NEW Credit card number. 

I called Amex and asked them how this charge was allowed to my account on my new CC number. 

The representative replied that if it is a recurring charge then AMEX will provide my new CC number to the vendor. They said this is done for my benefit so that recurring charges would not be rejected when a credit card number is cancelled. That is why this new charge showed up on my bill as being associated with my new card number. 

I told AMEX that I had not given them permission to provide my new card number to anyone. AMEX then cancelled my XXXX active card numbers and issued me another new card. 

I contested the charge, stating that I had cancelled the card numbers and requested that no new charges be allowed. AMEX has refused to refund my money, saying the charge was valid.