davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I submitted an application for a home equity line of credit with Navy Federal Credit Union. The company directed me to their mortgage team, failing to tell me that for investment properties that lending falls to the business lending team not the traditional home mortgage team. I was very clear from moment one that this was an investment property where I have the title held under an LLC for legal protections. I paid for an appraisal as part of the process and they refuse to refund my appraisal fee even though it was there lack of oversight that had me going through a process that was not correct in the first place. The loan was not approved because of their negligence and incompetence, costing me {$500.00} and 4 weeks of my time.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (GA)

VANCE AND HUFFMAN LLC PURCHASED A XXXX  DEBT FROM XXXX XXXX XXXX. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. 

I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Received letter this year XXXX in XXXX from Loancare stating the following... 

" According to our records, we issued you check number XXXX for your mortgage loan in the amount of {$4100.00} on XX/XX/XXXX. Refunds are usually due to excess funds in the escrow account. As of XX/XX/XXXX, our records indicate that this check has not been cashed. '' It then requests I confirm information and mail back to them. I called to confirm this was legit and through many phone conversations and push back, I finally got someone to confirm this was legitimate and to simply follow the directions of the letter. 

I called back to get confirmation they received it since I handed directly to mailman and they again gave me the run around without confirming. The letter shows they now have until 8 weeks after XX/XX/XXXX to issue a new check. That seems ridiculous and I don't believe they ever sent initial check or I would have cashed it.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XX/XX/2022 my wife ( we have a joint checking account ) signed and sent by ordinary mail a small check to a friend in upstate New York. The friend advised he had not received the check. We issued another check which he received. Believing that the missing check would soon be discovered by the postal service, we did not stop payment. On XX/XX/XXXX we were called, presumably by the scammer, claiming to be representing the collecting bank, that a check for $ XXXX had been presented and they had stopped it. Not true. I called our bank ( Huntington ) to report the call and checked our account to find that indeed Huntington had honored the check which had been processed electronically through XXXX  XXXX. The check had been washed with a new payee named together with a different amount. In short, the check was altered, then endorsed by the scammer who had set up a fake account. A few days after notifying our bank, we appeared to answer questions from the local rep and to fill out papers attesting to the facts. It has now been over 90 days since reporting this theft and Huntington has not yet restored the stolen amount. When I insisted that they replace the missing funds, Huntington replied that they could not do so yet because " XXXX  XXXX has a claim on their end. Cases can take 90-120 days ''. The Huntington new case number is : XXXX. This is a straightforward case of scamming and washing a check - and perhaps a quarrel between two banks - but an innocent customer should not be held hostage and in the middle of which party is responsible for the loss. I have asked for more information on the holdup and its reasons but have received none.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NJ)

when i check my credit i notice Experian was reporting unlawful account that was a charge off but still reporting as late payment as well as abundance of other violations which lead to me having MENTAL ANGUISH DAMAGE and Aggrieved Party. 15 U.S C 6805 along with 16 CFR 313 16 CFR 433.3 17 CFR 424. This account has been reporting inaccurately since XXXX of XXXX, and was scheduled to continue to report until XX/XX/XXXX as a Charge Off XXXX states that this is a Certificate of Indebtedness.
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

On or around XX/XX/2021, my account at Western Union was breached and XXXX unauthorized transactions were made to XXXX from my bank account, via Western Union without my permission or knowledge. 

On checking my bank account, I realized the transactions were fraudulent and not authorized by me, so I contacted both my bank, XXXX XXXX and Western Union to inform them of the situation. Both of these agencies acknowledged there was fraud committed with respect to my account at Western Union and returned money for XXXX transactions, however, with respect to XXXX transactions of approximately XXXX each, they have not paid me, hence I lost XXXX due to the negligence of both of these companies. When I called both of them, they keep pushing me around and XXXX XXXX said it has to be resolved by Western Union and Western Union says it is XXXX XXXX who is responsible to reimburse the XXXX. 

Sir/Madam, I did not do anything wrong to be bullied out of XXXX by XXXX unscrupulous companies, who I entrusted with my bank and personal information, but allowed hackers/ fraudsters to access my information to steal my money. It appears that the XXXX was paid by XXXX XXXX for XXXX fraudulent money transfers which was actually paid to XXXX people in XXXX, and they dont want to accept liability for their inadequate security measures and has made me pay for their negligence and incompetence. 

Some transaction were done in my name from XXXX, where a bank account was created to receive money from my Western Union account in the XXXX. My account at Western Union was used without my permission to do those transactions. I could have been a victim of identity theft, and neither Western Union or XXXX XXXX contacted me of suspicious activity on my accounts with them. How can XXXX transactions with some identical amounts to and from XXXX by someone who lives in the XXXX and never sent money to XXXX did not warrant security verification. 

In closing, I would like your agency to investigate this issue expeditiously so I can get back my XXXX dollars which was taken from my XXXX XXXX bank account to pay Western Union for fraudulent and unauthorized transactions..
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I applied to renew my driver license and DMV said they mailed to me at XX/XX/2023. But our communities mailboxes were broken in. I never received my renewed driver license. It was stolen. 

1. On XX/XX/2023, someone else wrote a fraud paper check, pretending to transfer money from one stranger 's XXXX XXXX account to my account. The Chase bank agent said the other guy used my driver license at one Chase local branch and then forged my signature, then cashed out the money. On XX/XX/2023, Chase bank system posted the " deposited item returned due to account frozen '', withdrawing money {$3700.00} from my account. I lost {$3700.00} due to the fraud activity. I got this lost recovered on XXXX XXXX, 2023 as Chase gave me reimbursement. 

XXXX. However, another same fraud activity happened on XX/XX/XXXX, the other guy used the same method writing a fraud check from another stranger 's XXXX XXXX account ( different from previous one ), forged my signature and used my stolen driver license to cash out the money. The Chase bank system withdrew my money on XXXX XXXX, 2023 saying " deposited item returned due to account closed ''. This time I lost {$3600.00}. I haven't got this part of loss recovered. 

2.1 As you can see, from XX/XX/XXXX to XXXX XXXX, 2023, the paper check record takes a long time to be posted. And the worst thing is that the local branch didn't perform solid verification and let the other guy cashed out the money from a fake check. 

2.2 It takes pretty long time for me to get a response from Chase bank investigation unit about my case of losing {$3600.00}, I have been waiting for more than 2 weeks. Each time they required me to send back more details/ documents then it is another week 's wait.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I met a boat mechanic on XXXX XXXX After meeting with him he said I needed a transmission and engine {$860.00} and {$1500.00}. He gave me a check to deposit claiming he needed the money to start and it would be cleared when his company paid him for a commission. The check was for {$3800.00}. I was skeptical but the check cleared XXXX in the morning. So I thought it was good and he asked me to XXXX {$2500.00} to his partner for assistance and I withdrew the other {$1300.00} and gave to him to pay for the labor. In the afternoon I checked my account and it was negative the {$3800.00}. The check bounced on a closed account. So I tried to contact him and have had no success.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 602 A. States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX CPS XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (NY)

In accordance with the Fair Credit Reporting Act, BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 168b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Because of your inaccurate statement of my credit record, I am suffering damages including the inability to obtain credit. You have failed to comply with the law and must remove the items from my report immediately. If these late payments are not removed within 7 business days, I will have no choice but to report you to the Federal Trade Commission and advise them of your disregard for Consumer Protection laws.