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

My account with XXXX XXXX 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 those account 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 XXXX XXXXNever 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, credit repair services, or other personal consumer reports

Board : Consumer Affairs License Type : Consumer Affairs Complaints Complaint Number : XXXX Incident Date : Respondent License Type : Consumer Affairs Complaints Organization Name : Nissan motor acceptance corporation Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX i co- signed on a XXXX XXXX XXXX for what was a friend of mine at the time, over the three year span of her lease she had not paid on time ( went through e-z passes & this is how i discovered the car was in my name with the DMV ) and i was expecting the car to be returned in XX/XX/XXXX. When i left the dealer i was not the co-signer i was the main person and the dmv had her car in my name still. I contacted Nissan for the paper work of her car and noticed my name was no longer co signer and now is the " Lease signature '' which also wasn't my signature. & the paper clearly has white out on it. She had moved out of NJ and i was not able to communicate with her properly for her to change the car from my name until she returned to jersey XX/XX/XXXX. XX/XX/XXXX. When i contacted Nissan Financial i was told at one point her car was issued for repo but they never contacted me regarding the matter! she requested to request extend her lease for the car. I never received a notice or was aware that i was needed to extend her lease. I did not agree & she even had me send an email to a worked at Nissan Sales in  XXXX XXXXr NJ.. He lead me to believe that i was removing my name from the car so that she can continue to buy out the car instead. i noticed the car was still on my credit in the early months of XXXX when the car was due back after XXXX XXXX. I asked the other person on the lease why would this be on my credit still, she claims she signed a paper with just her name. i contacted Nissan motor acceptance corp end of XX/XX/XXXX and the representative stated in order for the extension to be possible both parties must sign the agreement, I advised i never received a copy of the paper, she confirmed it was only mailed to one address in XXXX XXXX NJ where the other person had moved to. They refused to show me the paper that was completed, it took me calling for about 3-4 from XXXX to XXXX to obtain the copy of the form which shows my name listed, I advised them i did not sign that paper and that's not my signature, my name was just written not even signed. The new representative stated they only mail it to the person on file who request the paper for the extension. i asked how is that even legal if the car was in my name and am telling them i did not sign the paper. they asked me to do a fraud report but the police stations claim because i do not have proof of where she signed the papers i could not complete a report. Nissan needs to be held accountable for this action it has ruined my credit. This may have cost me my career, i was in the process for corrections when all this unfolded and they refused to complete my interview steps because of this issue. Please assist me!
Product: Mortgage

After I closed on my home I noticed on my closing documents that my income was much more than it actually was. I had told the mortgage company that I got a {$500.00} bonus every XXXX, once a year. They added it to my income but instead of only at XXXX they added it as a monthly bonus. They also added {$100.00} as extra monthly income. I have told them many times about this and they wont address it. That's {$7200.00} a year they added to my income. I specifically remember telling them it was a XXXX bonus. I feel they did it on purpose. They added it to my income so they should pay it. For the life of the loan.
Product: Credit reporting or other personal consumer reports

I had a secured loan with XXXX XXXXXXXX XXXX  and it is currently reporting on Experian, XXXX and XXXX. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. XXXX  XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXXXXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the fair credit reporting Act 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights
Product: Vehicle loan or lease

XX/XX/XXXX my XXXXXXXX XXXX XXXX caught on XXXX  because my XXXX XXXX  while going to get my XXXX fixed. I bought the XXXX at XXXX XXXX in XXXX of XXXX and got approved through Credit Acceptance and put {$2000.00} down and they provided me with gap  insurance. In XXXX, I reached out to my car insurance XXXX  to let them know I have a claim and my car was totaled out by XXXX. From my understanding my car loan was {$10000.00} left after I purchased the car at XXXX with Credit Acceptance. I paid my car not every month on time {$310.00} on the XXXX of every month. Come XXXX my insurance ( XXXX  ) totaled out my car for what my car was worth book value at {$6000.00} and I had a {$1000.00} deductible, and because I had Gap insurance through Credit Acceptance from my understanding from the car sales personal and Credit Acceptance Gap would cover the remainder of the balance in the event if something happened to my vehicle. Credit Acceptance only paid {$2000.00} towards my gap and left me a balance of {$2900.00}. When I asked for copies of my gap insurance they denied me each time, I kept getting the same representative, I guess luck of the draw or she was the one over my account in general. I kept paying every 2 weeks to try to get the payment down since I still owed on the vehicle but I continued to collect interest on the account so the balance went up every month. The gap did not cover my XXXX  like it was stated to me, now the car is on my credit Credit Acceptance did nothing to help or rectify the balance or I don't understand why they offered Gap  insurance if they were not going to cover the cost of the vehicle. My loan is still collecting interest until this day. I am not able to finance another vehicle at this point and it has decreased my credit score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across XXXX XXXX XXXX, XXXX, Experian, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit card

I was once a member with capital one, I had a credit card with them. I have had my account closed because the fees never made sense and there was always some random fee with both credit cards. I feel like that isnt fair to any consumer and anybody who trusted capital one like I did. For such a large business to be taking advantage of individual like myself and other individuals who trusted them isnt fair to anybody.
Product: Debt collection

XXXX XXXX XXXX  charged me for something I dont know anything about.
Product: Debt collection

There are multiple accounts under the company name AFFIRM INC reported on my XXXX credit report. I have requested documentation from XXXX XXXX XXXX to show that I am the owner of the debt, as I do not recognize this company. However, all I received was a statement saying the information is accurate, with no proof provided to me. This is frustrating, as I am getting nowhere with XXXX.
Product: Student loan

My daughter is a XXXX XXXX student - so she is not required to make loan payments yet, but we try to make weekly payments so that she doesnt graduate with a lot of debt. For the first 2 years, everything was fine with EdFinancial. But recently they implemented a new system and all borrowers were supposed to have received notification by now re : how to get into the new system. We have not received anything. Over the past few weeks, I have spent hours on hold, have requested call backs, have emailed, and have tried to chat. I am unable to connect with a live person to simply find out how to get into the system. My understanding is that interest started accruing on XX/XX/XXXX. Seems very unethical, if not illegal, to be charging interest on a loan when its impossible for the borrower to make a payment.
Product: Debt collection

On XX/XX/2018. I noticed on my credit report that I XXXX Collection Agency placed a XXXX collection item on it. I then filed a complaint against them through your office complaint no : XXXX. Stating that I received something from an attorney and I didn't know who the attorney was. I RECEIVED the notice on XX/XX/2018. Advised in that complaint that in the attorney 's notice it stated that I had 30 days to dispute the validity of the debt and to request verification. However, I was never given that from XXXX Collection Agency before placing item on credit report by the company the law firm is representing as a collection item. 

On XX/XX/2018 I followed up with the number on the notice received from the attorney office. The name of the attorney office is Maury Cobb Attorney at Law, LLC. This attorney office is represents XXXX collection accounts. The date on the notice was XX/XX/2018. When I spoke to a representative not a legal representative, but works at the office. I told him per notice that I was disputing the validity of the debt. I explained that the collection Agency XXXX put the account as a collection item on my credit report. The representative stated that their firm MAURY COBB ATTORNEY AT LAW didn't add the collection account to my credit report the Collection Agency XXXX did. I stated that the same account that they are asking me to dispute within 30 days for validity, was being placed on my credit report ALREADY as a collection item. 

I asked is XXXX, XXXX and your firm all connected to the same account. The representative said yes!!
Product: Credit card

I made a payment to a charity through XXXX using my Amex for {$41000.00} Amex said I violated the terms since a family member worked at the charity. 

Since I agreed that I had unknowingly and unintentionally violated the terms of AMEX, I asked that AMEX reverse the charge back to XXXX so that I could pay the charity with XXXX using my checking account. 

XXXX had already paid the charity so after the AMEX reversed the charge back to XXXX I had a negative balance on my XXXX account of {$41000.00} XXXX sent my account to collections and I paid the balance of {$41000.00}. ( {$15.00} was added due to the returned fee ) AMEX never credited my account. I have filed several cases and disputes and despite documents I have shown AMEX that show I paid the balance via XXXX, AMEX continues to refuse to credit my account, stating the charge is valid. 

By not crediting my AMEX account by {$41000.00}, AMEX is asking me to pay a charge twice.
Product: Credit card or prepaid card

I would like to report Belk clothing store for high pressure sales. I work at the store in the store in XXXX XXXX Louisiana. There are times when the managers are paying cash to the employees when they run a credit application. There are also high pressure sales goals set for the employees. One employee was expected to get fifteen applications in one day in order to meet a goal. I also know that employees fill out applications for family members and friends just so they won't get in trouble with management. 

To be fair, I honestly do not think this pressure is not coming from local management. This behavior is demanded from higher levels of management.
Product: Credit card or prepaid card

i discovered some fraudulent charges on my debit card & called capital one about it. they said i must wait until the charges change from pending to posted. in the time, the number of fraud charges went from 2 to 3. once the 1st 2 became posted, i called again. the company issued a pending credit fro 2 of the fraud charges and the 3rd pending was removed from my account. then, the bank credits one of the 2 charges, but still have 1 fraud charge on my account, offset by the credit. i have called their fraud department at least 6 times over a 3 week period. it is near impossible to get in touch with the capital one credit/debit card fraud department. i've been on hold 15+ minutes several times, only to hang up ; i've left call back phone numbers, only to be called back by someone NOT in the fraud department that can not help me with the problem. there is no way i can find on my account online to write them about this. i can not believe it is so hard to get in touch with anyone at their fraud department. wow
Product: Credit reporting or other personal consumer reports

Several hard inquiries have appeared on my credit reports that I do not recognize and did not authorize. These inquiries are fraudulent and do not reflect any actions Ive taken. 

The inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for credit with these companies or authorize these inquiries. I first noticed this issue while reviewing my credit report, and the inquiries range from XX/XX/year>XXXX XXXX XXXX XXXX 

These unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate or unauthorized information from being reported on a consumers credit file. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ), and creditors or data furnishers must not submit inaccurate information ( 15 U.S.C. 1681s-2 ). Furthermore, the FCRA grants me the right to dispute inaccurate or fraudulent information and mandates that disputed items be investigated and corrected or removed promptly ( 15 U.S.C. 1681i ). 

As soon as I identified the fraudulent activity, I placed fraud alerts on my credit files and contacted the credit bureaus to protect against further unauthorized actions. These inquiries have negatively affected my credit score and do not represent my financial behavior. 

I am requesting a thorough investigation into these inquiries and that they be removed from my credit reports immediately in compliance with the FCRA. I also ask for written confirmation that these inquiries have been removed and that my credit report has been corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Debt collection

On Monday XX/XX/XXXX, a second pass of dispute letters were sent out to all 3 credit bureaus to dispute an account. The account is ALLYFINANC. Has been reporting for some time now and needs to be removed.
Product: Mortgage

LOANCARE, which is a loan Collection Agency, refuses to cash any and all payments that I send to them on my VA Loan, so they can then foreclose and take over my home.
Product: Debt collection

I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

A request for information under 12 CFR SECTION 1024.36 was made to The PrivateBank and Trust.This QWR is part of Regulation X of the Mortgaging Service Act under RESPA.The following information was requested in regards to the property in question : 1.Copies of every mortgage and Promissory Note since XXXX. 2.Copies of every Change in TERMS AGREEMENT since XXXX. Respondents reply was incomplete and inaccurate. This letter and other relevant information will be attached to this complaint.
Product: Mortgage

I set up a payment plan in XX/XX/XXXX to split my XX/XX/XXXX payment over the next three months. So instead of {$710.00} I am paying XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Because the payment is different from my normal payment I an not pay online or the automated system over the phone. I was not given this information when I set up the payment plan, and was only told when I called in later on XX/XX/2020 confirming that the payment plan was set up. I can only pay with a person over the phone and they charge {$10.00} to complete the transaction. Today XX/XX/2020 the customer service representative said he could waive the fee, but only if I set up a payment for next month at the time of this transaction. I tried to set up a bill pay with my bank but it wouldn't get there in time so paying over the phone with a person was my only option.