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

My account withXX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXX/XX/XXXXXXXX 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.

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. 

XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXX ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent 2 identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXX was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.
Product: Debt collection

Midland Credit Management calls repeatedly for an alleged debt sold to them and has also called my mom repeatedly as well under several different phone numbers. Ongoing through the last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested the following information included on the attached files with Experian 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. Experian 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 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX mortgage payment due to XXXX XXXX XXXXXXXX XXXX mortgage payment due to XXXX XXXX  XXXX XXXX mortgage payment due to short term XXXX XXXX - applied for mortgage assistance for the 3 months behind XXXX - XXXX resolved -expressed I am able to resume regular payments on XXXX XXXX XXXX delivered letter dated XX/XX/XXXX from Loancare. Loancare letter said it wants to modify my entire loan and add a partial claim. 
XXXX-I am not in agreement with a loan modification and paritial claim since the XXXX was short - term. Its as if Loancare intentionally ignored my request. 

Their letter was dated XX/XX/XXXX and requires me to sign the loan mod docs within 15 days or call them for another option - otherwise foreclosure proceedings. 

I called 37 times - phone numbers : XXXX ; XXXX but all are out of service as well as the email addresses for loan care due to Loancare had a security breach. 

All I want is to speak to Loancare and request a repayment plan or deferral of the XXXX term XXXX months Im behind. Instead they are trying to force me into extending my loan to 40 years, doubling my current interest rate, and creating a partial claim charged at 8 %. 

Please Loancare, call me so we can discuss a repayment plan or a deferral but I do not want a loan modification as XXXX has resolved we can resume normal payments on XX/XX/XXXX ; however, your website wont even allow me to make a payment. 

I specifally requested a loan deferral or repayment plan with my application. Im not sure why you are trying to force me into a loan modification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Aidvantage # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account with the amount of {$1900.00} is being reported on my credit file. This erroneous account was deleted before for being inaccurate and now has reappeared on my credit file again.
Product: Student loan

I have been deferring my payments with forbearance for a couple of years now. I haven't been able to afford the payments asked of me by Navient and STILL can't. 

When I tried to extend the forbearance in XXXX they told me I wasn't able to anymore. 
When I told them I can't afford the payment they're asking of me which is {$580.00} a month they told me they would give me a one-time " courtesy '' deferment which they then dinged me on my credit report for. 

I applied for income driven repayment plan through XXXX as advised by Navient and on XX/XX/XXXX I received a response saying my payments have been lowered {$440.00} a month beginning on XX/XX/XXXX. 

I STILL CAN NOT AFFORD THIS. 

Navient refuses to work with me to get me to a more affordable repayment plan. They're only considering my income and not my monthly expenses including rent, car payment, medical bills, credit card debt and living expenses. 

I am at a loss at what to do here. I can't afford this and the company has no sympathy in working with me to come to a solution I can afford.
Product: Credit reporting

i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, UPLIFT INC, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXX XXXX CARD # XXXX ( XXXX CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX   CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} / XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX/
Product: Credit reporting

Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Credit reporting or other personal consumer reports

I immediately request the elimination of these queries that were made without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Credit Collection Services stating that I owe a debt from XXXX XXXX Auto and Home .I do not owe a debt from this company and they were unable to validate or show proof of a contract from this debt. There is no such debt reporting on none of the 3 credit bureaus from XXXX XXXX Auto and Home nor Credit Collection Service so therefore how can Credit Collections confirm a that if there is no debt reporting they are trying to extort money from a debt that is not owed therefore they need to take this account and delete it from their files it's not even reporting from them nor XXXX XXXX auto on none of my credit reports. FRAUDULENT ACTIVITY.
Product: Checking or savings account

On XX/XX/XXXX, my card was stolen from me. After it was stolen, {$860.00} in fraudulent charges turned up on my account. Citizen 's Bank notified me of suspicious activity, but only after they allowed larger than usual transactions to occur ( for example, the thief used my card to make a XXXX dollar purchase at XXXX ). I filed the claim and it was denied because 'your chip can not be duplicated. ' When I noted the original chip had no need to be duplicated because they had my actual, physical card, the bank 's answer changed to the transaction shows my pin was used. I don't know who stole my card or how they got my pin, but I did not make the transactions ( XXXX was made out of state, and i never left my home state ). I made another claim on XX/XX/XXXX to challenge the fraud department 's response. I waited on hold on XX/XX/XXXX for nearly an hour, and the fraud department agreed to reopen my claim. They said if it gets denied again, i have no recourse. This is my money, and they did not protect it. They only refiled because I called back a second time to confirm if the supervisor actually expedited it ( she didn't and i have that recorded ).
Product: Credit reporting or other personal consumer reports

I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX Services Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to bring to your attention an issue with two of my credit cards that are reporting late payments to my credit : Capital One ( # XXXX Kohl 's ) and XXXX ( # XXXX XXXX XXXX ). Although the late payments were accurate, the underlying cause was not so black and white. During that time I was renting a home, for the most part with no problems. During the month of XX/XX/year> my statements for both cards were supposedly delivered by mail, both of which I did not get at all for XXXX or XXXX Maybe due to a bad postal service or the landlord who had the other mail key, who was doing something, either way, I did not get the statements. Then in XXXX we bought a home and provided a change of address to the postal service to forward my mail. I never received statements at my new address either. I was unaware of the balances due until XXXX when I happened to look at my credit score online on the Capital One card I use daily and saw that it was more than XXXX points lower than it was the last time I looked. 
Now this is a Kohl 's and XXXX XXXX card that truthfully I never use, so I did not call to change the address and figured the postal change of address would suffice-lesson learned. But, Capital One and XXXX hold some responsibility in this too. They have various methods to contact me via email, or phone, none of which were utilized. If they have the power to drastically harm someone's credit score, they should also be held responsible for showing that they have at least attempted to contact the borrower by some other method. If not, what is the point of having my email address or phone numbers? Additionally, I have always paid my payments on time, and the original amount due was only {$110.00} for Capital One and {$79.00} for XXXX XXXX. Had I been aware of this, I would have paid it immediately. My other Capital One card that I have, has a monthly balance over {$1500.00}, that is paid off every month ... ... .MAKES NO SENSE!! By the time I realized the situation, my XXXX credit score had dropped by more than XXXX points, and the amount had accrued significant late fees, which I paid off immediately. 
I tried calling Capital One and XXXXXXXX XXXX numerous times to resolve these issues directly with them and to plead my case, but I have been told that there is no one that I can be transferred to in the disputes department, and that only mail can be sent to them. I sent a letter explaining all of this information, only to be sent back a short letter response that their reporting is accurate. Very black and white statement with no other room for anything else. This type of communication being limited to mail, has proven to be ineffective in resolving the matter. As well, the dispute with the credit bureaus was quickly termed as " resolved '' within 2 weeks time without really any substantial information. 
I kindly request your assistance in addressing this matter and correcting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied with the outcome of my previous complaint. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both XXXX and Transunion deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX XXXX XXXX XXXX  and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XX/XX/2020 when my father was ill of XXXX. Recently I moved here and XXXX XXXX XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as XXXX and Trans Union have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.