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

I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment onXX/XX/19 which was a Sunday at XXXX. XXXX XXXX  changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. XXXX XXXX refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XXXX Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX XXXX   of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I calledXX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/XXXX XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Prepaid card

On XX/XX/XXXX, I received a {$100.00} pre-paid {$100.00} vanilla mastercard. On XX/XX/XXXX I went online to register the card and to my surprise the card had a XXXX $ balance. I sent them the receipt, copy of the card. I wrote them several emails with no replies. I called them several times and always got the run-a-round. They kept on saying that it takes 3 months for their dispute department to resolve the issue. Today, XX/XX/XXXX they sent me an email refusing the dispute, not explaining why, also adding that the case is closed. I'm beyond frustrated and disappointed. Please help me!
Product: Student loan

I originally contacted FedLoan regarding a change ( DECREASE ) in my number of qualifying PSLF payments made and received a response in XX/XX/XXXX. This is the message I sent : " On my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it showed 2 loans disbursed XX/XX/XXXX with a TOTAL OF 56 and 55 qualifying PSLF payments made. 
Now, on my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it shows 3 loans disbursed XX/XX/XXXX and now my TOTAL qualifying payments have been reduced to 2, 2, and 3. " When I asked for clarification I was told that my loan accounts needed " extensive review '' to count all the qualifying payments. I waited until XX/XX/XXXX and followed up with another email correspondence and received a very similar message. It is now XX/XX/XXXX and I still do not have an accurate count of my qualifying PSLF payments made. 

Thank you.
Product: Debt collection

Medical services were provided in XXXX 2015. Those services were put on a payment arrangement. I did not know that the 3rd party vendor was not a part of those payment arrangements, so it went to collections. The clinic forwarded the wrong mailing address to the 3rd party, so no bills were ever received by me. 

The collections agency called me XX/XX/XXXX ( used my maiden name ), then called XX/XX/XXXX ( by my married name ). We determined that I had never received any bills from their client or from them. I requested official copies of the bills, and was told I would not be reported to collections during the process, however they reported me in XX/XX/XXXX. I did not get anything in writing from the collections agency until I called again in XX/XX/XXXX. Finally in XX/XX/XXXX I was sent the copies of the bills, which was the first time I had received any formal written documentation from the collections agency regarding the debt. I was unable to obtain bills for the services from the client they represent because it was sent to collections. 

XX/XX/XXXX I paid the bill, and they insisted they had not reported me to the credit agencies. At that time they stated they would expunge the debt, which still has not been done.
Product: Mortgage

This company is nothing more than a " bait and switch ''. I contacted Total Mortgagein XXXX, CT to refi a mortgage currently held by XXXX XXXX XXXX. The loan offier is XXXX XXXX. My credit card was charged a processing fee of {$690.00}, which I was assured was simply a " HOLD '' on my card and would be removed once the loan was processed. The loan was processed on XXXX XXXX. The company refuses to credit the {$690.00} charge on my credit card. 
I paid {$460.00} for a home appraisal that was also included in their processing fees as part of closing. I was informed I would no longer be paying PMI. Exactly one day prior to closing I was informed I would still be paying PMI, however, it would now be included in my monthly payment.
Product: Credit reporting or other personal consumer reports

Account Type and Detail : The account type and detail differ among the three credit bureaus. XXXX reports it as a " Mortgage account, '' Experian as an " FHA Mortgage, '' and XXXX again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage. 

Payment Status : Experian reports that the account was " Current, was past due 180 days or more '' in XX/XX/year>, while both XXXX and XXXX indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided. 

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.
Product: Debt collection

I am aware of you using my credit file with Extortionate intentions to coerce And swindle me into paying violating 18 USC 894 and any employee handling This account can be held accountable for up to 20 years in XXXX  and fined {$5000.00} I refuse to pay this alleged debt per 15 USC 1692c ( c )! As a Consumer I am not obligated to pay this alleged debt. Statements and contract Are not evidence of indebtedness. See XXXX concrete XXXX XXXX XXXX! I Will report your company to the cfpb in which they have fined debt collectors For using coercive intentions against a consumer! Secondly the language in the letter sent to me by Chase Card Services dated XX/XX/XXXX   threatened to send the account to a law firm is abusive, oppressive and harassment the following conduct is a violation of 15 U.S. Code 1692d Chase Card Services may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt also The advertisement for sale of any debtto coerce payment of thedebt is a violation of 15 U.S. Code 1692d ( 4 ) also in the letter sent by Chase Card Services is advertising the sale of the alleged debt. Lastly The Letter sent by Chase Card Services have a logo on the communication and is a violation of 15 U.S. Code 1692f ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in thedebtcollection business.
Product: Debt collection

On XX/XX/2022 Southwest Recovery Services turned over debt that I did not owe to XXXX and XXXX. They contacted me in XXXX of 2022. I immediately disputed the debt on the same day and asked for proof of the debt. I sent several emails following up with the company to dispute the debt while continuing to ask for proof. In XXXX of 2022, I asked for the collection to be dismissed. By law they have 30 days to submit proof of debt. In XXXX, I reached back out to them to make sure the debt was dropped ; it wasn't. After all of this I was still turned over to the credit agencies and my score has been damaged.
Product: Credit card

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per XXXX XXXX, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Product: Credit reporting or other personal consumer reports

See theft report attached and police report from IL for XXXX XXXX XXXX XXXX. This is an on going issue since then, you guys fixed 90 % of all issues I see a few things left. All the listed aren't associated with my open accounts. Please do not close any of my accounts. Creditors are notified.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXXhours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Chime mobile banking lost {$460.00} in a transfer and has denied any request for a refund and has denied my claims.
Product: Money transfer, virtual currency, or money service

Account was Closed because my account was hacked called customer service no one answers the phone or call back with info .Received A letter from the IRS about a Business account I dont have.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX5 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX  XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

Im closed on my home on XX/XX/2021 and the first payment was due on XXXX to XXXX XXXX, I made the payment to XXXX XXXX on XX/XX/2021 and on XX/XX/XXXX I received a letter from XXXX XXXX stating that they had sold my loan to Pennymac on XXXX but that they failed to send me notice on time, and that any payment would be forwarded to my new loan servicer Pennymac, after almost 4 months Pennymac hasnt received the payment I made to XXXX, I have explained the situation to Pennymac and send them all the supporting documents theyve asked, prove of payment to XXXX XXXX, today I received an alert from XXXX credit report that Pennymac had flagged my account delinquent, Pennymac continues to harass me and every time they call I have to explain the situation, they promise they would take care of this issue and not report any lake payments to my credit report but they still did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of a derogatory account on my credit report from a XX/XX/XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XX/XX/XXXX and that I had never received a bill for the amount in question. I also filed disputes with both XXXX and Transunion to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.
Product: Vehicle loan or lease

I went to a dealership in the XXXX called XXXX  XXXX XXXX price was {$18000.00} for my white XXXX XXXX XXXX that I still currently have for 3 years. Put down {$12000.00} when purchased. My credit sore at the time was poor so they insist that if you have someone else to put the car in their name I called my wife asked her she give me the ok. She sends me a picture of her Pennsylvania state ID card and social Security Number and ask whats your down payment I tell them {$12000.00} heres where it gets tricky for me, ok now they tells me we have the rest so I say ok happy about to get my new, used car. They have me in there for 6hours dont tell me anything any day dont worry your going to be on your way soon with your vehicle.. Im even more excited than they come to me 30 minutes later and ask can my wife come and sign the paperwork I called her and she couldnt so then I got a little upset plan down the drain thats when another 30 minutes waiting they take me on a ride let me know the car is fine hand me paperwork and my keys and say were all done.. So I look at the paperwork next day and I called the bank that gave me the loan ( Credit acceptance ) ask for my principal balance because I didnt understand why the vehicle bumped up so high they tells me the purchase price was XXXX XXXX XXXXXXXX which is not true at all then I asked why the rate is 23 % they said take it up with your dealership I go to the dealership and they tells me once the bank give them the money is nothing they can do take it up with the bank so I looked at it like I going to be difficult now.. so I kept the vehicle until this year I search the internet and finds credit acceptance being sued and for the same things Im having trouble with it was god sent I requested a payment history from XX/XX/XXXX - Current Im paying and been paying {$650.00} a month
Product: Debt collection

I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : XXXX. XXXX XX/XX/XXXX
Product: Debt collection

The debt collector is trying to collect a {$180.00} fee that I do not owe. Flagstar bank automatically opened an account in my name after they purchased XXXX XXXX. I have never used the account or gave permission to flagstar to open a checking account in my name. I do not live anywhere close to a flagstar branch so there would be no reason for me to have an account with them. I contacted flagstar and was told this has happened to several customers and that it was out of their hands since it had been sent to a debt collector.
Product: Credit card or prepaid card

I was gifted an AMEX SERVE card. Unbeknownst to me, I was charged a {$5.00} fee while the card lay idle. The card packaging clearly shows no fees in NY. NO where on the packaging does it say you have to call and register or activate the card first. In fact, the packages says no activation required. I attempted to recoup the {$80.00} from AMEX. I was denied. The AMEX SERVE team completely disregarded the packaging is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out letters, certified mail, to XXXX, TransUnion, and XXXX stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Bank account or service

Party opened paypal account using identity email. Nonconsential transfers
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX balanced {$680.00}