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 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 XXXX XXXX XXXX. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX  has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

Applied for SAVE and updated my PSLF payments as instructed in XXXX or XXXX. 

On XX/XX/2023 I received a statement dated XX/XX/2023 with a due date of XX/XX/2023 for {$110.00}. The date of this email violated the 21 day rule as admitted by MOHELA themselves on XX/XX/2023. Nothing in the statement indicated this was under SAVE. 

I have been preparing as much as I can for payments to resume still knowing that I had no idea how much I would be paying come XXXX, so when I received the statement I immediately looked at my XXXX budget to schedule payment. 

However, on XX/XX/2023, I received an email that my account had been placed in administrative forbearance. No reason is given and I have not been able to determine whether that administrative forbearance will count towards PSLF. It absolutely should count since this is MOHELAs mismanagement. 

Finally, when I submitted updated PSLF paperwork it was not to request forgiveness as I dont have 120 payments yet. However, the form should have been processed so as to update the number of qualifying payments I have made. With XXXX, I recertified the number of payments annually. Instead of that number being updated, I received a letter rejecting forgiveness because I hadnt made 120 qualifying payments. How am I supposed to know where I stand and apply for PSLF at the appropriate time if they wont update the numbers when I re-certify my employer? 

MOHELA has had years to prepare for this. YEARS. This is asinine.
Product: Money transfer, virtual currency, or money service

I was a litigant of the XXXX XXXX XXXX XXXX XXXX. This State of XXXX XXXX, XXXX XXXX XXXX stole what was ordered by at the XXXX XXXX. Total amount {$XXXX} XXXX.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Equifax credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.
Product: Credit reporting or other personal consumer reports

Please see the documents I've attached regarding the inaccurate information on my credit file.
Product: Credit reporting

I have been trying to get XXXX peices of information removed from my experian credit report. I have had this information removed from experian and XXXX with no issues. I disputed this information with experian and only was able to dispute the informatory XXXX time. I sent in the paperwork and they still will not remove this information. For XXXX XXXX this has been documented as ID theft. Someone stole my ID and moved into an apartment under my name. I sent the reports to experian but they still will not remove the information. The XXXX XXXX is from XXXX. This was also part of not knowing about this debit and it was with my ID theft. Again it has been removed from my other reports but not experian. The last investigation they conducted was from XXXX on XXXX. I have send the paper work in and disputed this information agian XXXX months ago and not heard anything from them. I live in NY state and there has been new laws put into place to protect consumers why are they not abiding?
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$450.00} from XXXX  XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.
Product: Checking or savings account

According to a rep with XXXXXXXX XXXX XXXXXXXX, remaining funds in XXXX account ending in 1960 sent to Wells Fargo in the amount of {$140.00} as part of a fraud claim. XXXX stated, as per instructions from Wells Fargo, any remaining funds to be sent to Wells Fargo as part of fraud claim..I reached out to a XXXXXXXX XXXX  manager with Wells Fargo executive office in XXXX XXXX he stated check from XXXX in that amount was rejected back, never cashed, Wells Fargo does not accept partial payments.. The fraud claim amount is {$690.00}, {$140.00} does not cover claim, rejected back to XXXX. I attempted to resolve issue with XXXX, advised him I had spoken with XXXX and was advised of the above, he claims Wells Fargo needs to change their instructions regarding fraud claim to allow funds sent to myself. .A prior CFPB complaint was filed in re against Wells Fargo XXXX rep replying on their behalf refused to take action. Most recently, I attempted to reach back out to XXXX XXXX, messages left, none returned. However, XXXX can be reached at XXXX, should Wells Fargo have questions. Complaints marked as duplicate which are not will be resubmitted here and other agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion an FTC Identity Theft Report via XXXX XXXX Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX on XX/XX/2022, which they received on XX/XX/2022 and began processing on XX/XX/2022. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( XXXX XXXX XXXX XXXX XXXX ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called TransUnion today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and they claimed they were not obligated to remove the fraudulent items from my account within four ( 4 ) business days, until they were complete with their 30 day investigation, citing multiple XXXX Codes as resources. For this reason, the items still remain on my report and are still causing me and my reputation personal harm and discrimination.
Product: Mortgage

Our complaint is with XXXX/Loancare. 

On XX/XX/2020 we refinance our mortgage from Loancare to a different lender. On XX/XX/XXXX we sold our home. It was brought to our attention that we still had a title lien from Loancare pending in addition to our current lender. On XX/XX/XXXX, I phoned Loancare and they said they submitted the lien release on XX/XX/XXXX and that the countXXXX had 120 days to process the lien ( at that point I was 97 days out ) and that I should check back on XX/XX/XXXX. I phoned XX/XX/XXXX and inquired about the process, they said Its still isn't released, I advised I had a closing on the XXXX and that I need to be notified. This customer service agent didn't seem to know what's going on. Our title specialist called the county to verify no pending titles were outstanding. The county had no paperwork of my title release. I called again on XX/XX/XXXX, they told me there is a date of XX/XX/XXXX that it should show by XXXX. I stressed that I have a pending sale/closing on XX/XX/XXXX and I need this resolution asap. I was told that a manager would call me. No manager called. I received an email that my complaint has been escalated. I called on XX/XX/XXXX, still no release of title lean. I spoke to a manager called XXXX XXXX out of XXXX. He said he will escalate my complaint, issue me a verification letter and a copy of the release. No one called me. Called on XX/XX/XXXX, spoke with manager, XXXX, who put in an escalation request and stated there was no one else above her I could speak with, I couldn't get transferred to anyone in the escalation department cause they don't seem to have access to a phone. So I am to wait for someone to call me. No one called. Called today, XX/XX/XXXX, spoke to another manager, who stated that the release is scheduled on XX/XX/XXXX. I have a XXXX  balance with Loancare and they have neglected to file my lien release, in a timely and professional manner. They have held up the sale of my home. No company should have that kind of control. 
Completely unacceptable.
Product: Credit card

Macys is reporting that I have a {$1700.00} debt with them on my credit report. I have been contacting them for months to resolved this matter, but they will not allow me to make a payment. Despite that, they refuse to take the account off of my credit report, essentially holding my credit report hostage. I have been trying to buy house for months, but this Macy 's account continues to prevent me from moving forward with a mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original letter was sent on XX/XX/2023 they failed to follow the federal far credit act of fixing the problem within 30 days and it a not fixed, also I sent a second letter for A follow up on XX/XX/2023 not a response yet..
Product: Debt collection

I was recently summons to court by a company called Wakefield and Associates Inc. XXXX XXXX XXXX XXXX. XXXX no XXXX. I asked for a continuance to hire an attorney because they are violating the fair credit reporting act law and I have legal right to counter sue. I do not owe Wakefield and Associates. I have not received any communication by phone by wake field and associates other than a court official saying I have to go to court for them. I also like to make note that I have been a victim of fraud which is why this is necessary. I also like to make note I have filed Bankruptcy in XXXX and all medical bills were included. And was informed all debt collection activity must cease.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). 
The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the Army. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed.

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by > 30 points. These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.
Product: Debt collection

Dear Sir or Madam, I am a XXXX person. In XXXX while visiting XXXX, I was erroneously given a parking ticket for parking in a XXXX space. I immediately responded in XXXX while in XXXX to the ticket with correspondence that clearly identified XXXX and date of XXXX. The correspondence included enclosures : copies of my XXXX driver 's license, XXXX placard and XXXX vehicle records. I clearly requested that the ticket was clearly an error and should be cancelled and to contact me if additional information was required to contest the ticket. In XXXX, I moved to XXXX, but I did not receive a response until recently. As a result, I considered the matter closed. However, I received a letter from Innovative Collection Services on XXXX XXXX, XXXX, informing that I had a parking ticket that was in collections. In response, I wrote another letter with the same information as before that requested the claim be cancelled. They responded with a letter that the full fined was unable to be contested since the date exceeded the 14 day limit and that the debt would be reported to the credit bureaus if not paid in full by XXXX XXXX, XXXX. I am now formally requesting a complaint be filed against this debt collector for not recognizing my XXXX and cancelling the fine of {$460.00}. I have not contacted any lawyer and do not intend to pay this illegitimate bill. I would like any assistance or recommendations for resolving this dispute. The following information was included on the bill from Innovative Collection Service. 
Issuance Date:XX/XX/XXXX Account Number : XXXX XXXX Total Due : {$460.00} Thank you XXXX XXXX
Product: Vehicle loan or lease

since XXXX my income has been reduced and I was unable to pay on time since then, I reach Chase Auto loans customer service for help, but they no give me any option just to pay, I asked for those fees that every month charge for repossession fee even when the car no was repossessed, plus late fees every month. I asked for waive of those fees, for me looks was not fair to charge you XXXX repo fee plus late fees every month, that make me kind impossible to put my account current.
Product: Credit reporting

I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...
Product: Credit reporting or other personal consumer reports

There is a multiple inquiries on both my XXXX and Equifax reports that I did not authorize them to look or run my credit. Please update and remove these inquiries from my reports. I have attached a fraud report.
Product: Debt collection

SUBURBAN CREDIT CORPORATION has attempted collecting on {$120.00} of medical debt claimed to be incurred during my visits to XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The collections company states that i failed to make the {$60.00} co-payments during each of these visits. However, I have paid every bill presented to me by the Doctor 's office and the collections agency can not or is not willing to prove that i have not made these payments. 

The Doctor 's office never billed me for these co-pays or mentioned during my many visits to their practice even month 's after these claimed unpaid visits. I would have definitely paid if they had asked me for co-pays for these visits ( which were by the way follow up visits requested by the Doctor ) either during or after the visits. 

I have a spotless credit history and have pay every bill that I owe. However, I wo n't be bullied by a collections agency into paying debt that i do not owe and which they can not provide evidence of non-payment off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called Elan Financial Service regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX World Elite I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus and XXXX  regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT, NOT AN AUTHORIZED USER {$1800.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$590.00} Highest Balance {$1800.00} Monthly Payment {$94.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1500.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below XXXX XXXX  will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX