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

I am currently looking to buy a home and my credit sore drop significantly I have found out that the reason the scores is lower is due to the 30 day late payment on the bank of America account # XXXX showing 30 days late XX/XX/XXXX I had paid of this account with XXXX XXXX XX/XX/XXXX, see attached I called Bank of America on XX/XX/XXXX at XXXX XXXX and the Bank of America rep, on a recorded line, stated that bank of America shows paid off in XX/XX/XXXX and they have no record of reporting XX/XX/XXXX late payment to the breaus nor no late payments on the mortgage ; however a 30 day late appears on the credit report for this account, see attached Rep asked how were they going to fix something that they have no records of I want this removed immediately as this violates The federal Fair Credit Reporting Act ( FCRA ). The loan was paid off in XX/XX/XXXX and was not late 1 time in 5 years!
Product: Credit card

A credit card I had with XXXX was sold to another creditor after I got behind. That creditor then had a collections company, called Credit Control , LLC, attempt to collect the debt. I entered into a settlement agreement with them, and paid on time as agreed, paying the settlement in full. After Credit Control took the money for the settlement, they told me the debt was recalled ( after the agreement was in place and they took the money ) by the owner. They did not notify me, and kept the money, and when contacting them, they did not state the mini Miranda as required by law, and hung up on me. So in summary, Credit Control did not honor the settlement agreement, which is in writing. They took the money that was paid on time, and completely in accordance with the agreement. They refuse to discuss it with me and adhere to the agreement. The agreement is in writing, and they cashed the payments sent in without ever notifying me they no longer had the debt. This is negatively affecting my credit, and may have even had an impact on my recent financing of a auto purchase.
Product: Checking or savings account

XXXX XXXX called my son XXXX  XXXX based on information that he got social security. She illegally looked in our checking account to see our income status then she yelled it out in our neighborhood that we were poor & she made more money than I will ever have. Then she falsely accused me of harassing her & getting her co-workers involved in committing crimes against me & my son. Then she made the comment why don't I take my " XXXX XXXX son back in my home ''. So how am I harassing her when she called my son that hate slur based on financial information in my checking account & how he was receiving social security XXXX. She was the XXXX harassing men and my son & what authority did she have to tell me what to do anyways on my own property. XXXX doesn't want me to have a thing because I am a single female who earned my own home from work I was XXXX years old at the time this happens. So naturally, the police were siding with XXXX XXXX. XXXX convinced wells fargo I harassed her & had my new checking account closed on XX/XX/2015. Wells fargo knows I'm innocent but they want to side with her. I am the victim of XXXX & XXXX XXXX. I can sue them for defamation of my character because they refuse to settle. XXXX XXXX has ruined my life for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the company associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXXXXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX XXXXXXXX to settle a debt with Capital One. On this day they agreed that If I paid XXXX that the account would be settled in full. The Original debt was XXXX. On XX/XX/XXXX I paid the XXXX and was told that on my credit report that account would show paid off in full. However capital one has not done so, instead they show I still owe the other remaining half. I have received documentation from XXXXXXXX XXXX XXXXXXXX, showing the agreement and that what I Paid would settle the debt in full, However capital hasn't complied even though they have hired this company for this debt, when I called they Capital one, they told me, I was on a payment plan, which is not true. They are reporting false information to the credit agency knowing that this account was settled in full with their third party company XXXXXXXX XXXX XXXXXXXX.
Product: Student loan

Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 {$5000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$5100.00}, XXXX Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have called over and over each day leaving a message for this department to work out my credit card debt but as of today they have not returned my call. I was given a number to a staff member who never answers the phone nor returns call therefore it makes it extremely hard to work this out and not go into collections due to the lack of assistance in getting my card situation resolved in a timely manner
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$170.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}
Product: Credit card or prepaid card

Discover it card company asked me to do the ID verification on XXXX. 
I submitted the notarized ID verification form on XXXX. XXXX. I call the company everyday to check if they received the form. Finally, they received on XXXX. 
Normally, the ID verification form review process is XXXX business days. I called multiple times to check if review finished in the past several days. The company didn't send me any e-mail or give me a call to update the status. 
Today, I call them again. They said my ID verification process was failed as they called the notary twice ( XXXX and XXXX ). But she didn't pickup the call. They only call XXXX times for the whole review process. Now, They asked me to re-do the ID verification with a new notary. 
I explained the notary ( XXXX XXXXXXXX XXXX ) is out of office as this week is holiday. If can extend to next week to check with notary. But they rejected and still asked me to re-do the ID verification form. 
I am not sure why Discover it card company insist only call the notary twice for the review process. It's really not a good customer service experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Inquiry below that I do not recognize. Thanks, XXXX XX/XX/2022 XXXX 's Name : BANK OF AMERICA Phone : ( XXXX ) XXXX Type Of Industry : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX City : XXXX Zip : XXXX State XXXX XXXX
Product: Credit reporting or other personal consumer reports

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an auto loan in my name, They repossessed the car and added it on my credit report with a balance. 

XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX : {$1800.00}
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 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 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 XXXX  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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

XXXX : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX Transunion : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX  XXXX XXXX TIME Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is breaking federal laws but reporting things that shouldn't be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to explain about the XXXX XXXX XXXX that was FRAUD/ XXXX XXXX XXXX Experian Agent told me I cant report closed accounts for seven years.. But I dont see no EXPIRATION DAY ON MY EXPERIAN RECORD
Product: Debt collection

TITAN REVENUE SOLUTIONS IS TRYING TO COLLECT XXXX FROM ME FROM A DEBT I OWED A PARKING GARAGE FOR XXXX
Product: Debt collection

The debt has been paid off as a charge off but is still showing up on my credit & I will like it removed. Since I paid it off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I visited the Bank of America branch on XXXX XXXX XXXX on XX/XX/XXXX around XXXX. I asked an associate, believe her name was XXXX based on the survey I received after my visit, to increase my ATM withdrawl limit. She did that. I withdrew money ( {$850.00} ) and left. 

Later that day I get an email ( attached ) form Bank of America that welcomed me to their Preferred Rewards program. I never signed up for this program or was even told about it during this visit. 

I called up the central BOA customer service number after getting this email and they confirmed the associate I spoke with entered me into this program. 

I actually was asked earlier in the month by a different BOA associate at a different location if I wanted to enter the program but I declined because of balance minimum and potential fees for being below the minimum - I knew I would be below the minimum shortly. 

The BOA customer service rep took me off the program and supposedly started a process to alert management. But was not able to provide any color as to what happens from here. 

If this happened to me it can be happening to other Bank of America customers. This should be investigating and BOA should be stopped.
Product: Credit reporting

Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.
Product: Money transfer, virtual currency, or money service

cc : Consumer Financial Protection Bureau, Complaint ID XXXX We can confirm that we received a secure message on XX/XX/XXXX, but we did not receive any alert through e-mail. 

On XX/XX/XXXX, we sent the updated beneficiary name to Chase through secure message. On XX/XX/XXXX, we received a response back informing us that the amendment has been forwarded. 

As of XX/XX/XXXX, we don't know whether the updated beneficiary name was accepted and the funds were applied.
Product: Payday loan, title loan, or personal loan

I have handed a letter to each loan company I am complaining about not to contact me at work because the fair credit act says if I do so they are not to contact me at work. I have 2 companies that do not follow this and also will call my home several times a day sometimes within minutes of calling. They will also show up at my home without noticed. I need all this to stop. The will even call my family members if the don't talk to them.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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. 


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!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from Transunion I have disputed inaccuracies with this account, twice. 
The account balance and terms reported are inaccurate, according to my original contract. 
Terms are higher. 
Balance is not calculated accurately, based on number of payments made. 
Last payment Made : XX/XX/2018 No payment amount listed for this last payment.
Product: Debt collection

XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed. 

Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made. 

Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties. 

They continue to harass and send letters. All letters were sent by certified mail and verification they were received. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft
Product: Credit reporting or other personal consumer reports

XXXX payments of XXXX has not been applied to my account with flagship credit
Product: Consumer Loan

Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.
Product: Credit reporting or other personal consumer reports

CoreLogic continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. 

My name is XXXX XXXX. Remove any other spelling of my name it is not mine. 

My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.