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

Company reported late payment. Late payments are " transactions '' that are ILLEGAL to report. In accordance with the fair credit Reporting act Capital One, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666 : A creditor may not treat a payment on a credit card/auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.
Product: Credit reporting or other personal consumer reports

All reporting credit cards within my credit/consumer report are reporting as late/delinquent.

Per 15 U.S. Code 1666b - Timing of payments ( 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. 

This is not a duplicate complaint so do not label it, or treat it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.
Product: Credit card

I am a XXXX : banks like XXXX, XXXX XXXX XXXX, XXXX XXXX, AMEX, and XXXX claim to want or help small business like mine succeed with the needed credit or loans they need to create jobs and to help the health of the economy. I have applied to all the above banks and was turned down by every one of them despite their advertising and claims that they are here to help small businesses like mine. My personal credit was pulled without my consent and was used as a determining factor to deny credit to my business despite disclosures stating that use of my social security number was used for identification purposes only not for a credit bureau pull. The banking institutions listed have engaged in false advertising and bad business practices by using personal credit and requesting the use of social security numbers under false pretenses.
Product: Credit reporting or other personal consumer reports

Experian reports 2 late payments on my credit file but does not indicate who it's from. All my reports show all on time payments. When I click it, it brings me to my XXXX XXXXXXXX credit card accounts, that all have perfect payment history with ni late payments.
Product: Credit reporting or other personal consumer reports

I had an unpaid collection on my credit report.. I paid the collection and filed a dispute with Experian stating that it was paid. Experian stated that my dispute failed.
Product: Debt collection

On XX/XX/XXXX I got an Email from AD ASTRA RECOVERY SERVICES saying that I owe them {$2400.00}. They said that they tried to get a hold of me on XX/XX/XXXX about this, but I never recieved a letter or a phone call. They wrote in the letter that to make this go away I need to either pay {$530.00} in full today or I need to do {$800.00} installment payments. They said I need to respond today or they will take legal action against me.that they will have a judge call my employer to doc my pay, ( I am a XXXX ) they will have the police show up at my home within 7-10 business days and serve me a summons if I don't pay today, they will sue me, and they will destroy my name and social. There was no number to call, I don't ever give a debt collector permission to use my email as a form of contacting me. They either call or send a letter. I don't know where the original debt came from. I did write a letter requesting all forms of proof of the debt through a letter. All my medical bills are paid, and all loans are caught up on. I have no idea what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing me or lenders to view my credit report. I am trying to refinance my home mortgage, and Equifax is not providing the lender with my report or credit score. I have called Equifax on XX/XX/2019, XX/XX/2019, XX/XX/2019, and numerous other times in XXXX and XXXX. My Equifax report has not updated on XXXX in months. I can not even aacess my report or score o. EQUIFAX website. I am denied credit due to Equifax.
Product: Credit reporting or other personal consumer reports

Multiple inquiries were made on my behalf without my consent, I have no idea how they ended up on my report. I'm entitled to fair and accurate repotting according to the fair credit reporting act. please help rectify this any way possible. 
Inquiries Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 XXXX bank withdrew {$2400.00} from my account for check # XXXX written on XX/XX/2022 to XXXX. On XXXX XXXX XXXX bank withdrew {$180.00} from my checking account for my check # XXXX made out to XXXX XXXX. The checks were deposited at Bank of America and cleared through XXXX. In both cases the endorsements that Bank America cashed were not the payees I had designated. Check # XXXX was endorsed by " XXXX XXXX '' and check # XXXX was endorsed by " XXXX XXXX ''. I filed claims to get both amounts back ( as I was told would happen by XXXX ) in early XX/XX/2022. I have called XXXX just about every week since then and get the same answer each time that they can't do anything and I have to wait until Bank AMerica responds to their letters. There has been no response from Bank America other than they acknowledge getting the claims. It has been 5 months now with no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX  a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding this incorrect account listed on my credit report. Ive raised this issue because its harming my reputation, and I need your help. The mishandling of my credit report has brought me to my knees, as this incorrect reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified XXXX and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( EARLY WARNING SYSTEMS IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted EWS and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on EWS was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. EWS does not want to remove the false info.
Product: Checking or savings account

I tried to close a long-dormant account ( haven't used nor have I had a card for the account since XX/XX/2020 ), account # XXXX. I messaged the HSBC Bank USA department to close the account. I provided all information requested including my social security #. However, their personal details weren't accurate on my account at all ( I've moved out of state to ME since then. ) They updated the information on their end. However, they then advised me that I would have to " Request you to please get in touch with us, once the address is updated and we will process the account closure. '' However, I was not given a firm timeframe for how long it would take that to update ( it reflected on my end immediately. ) This is the second time I have been told to call back 4-7 business days late ( the account overdraft and I transferred in funds to bring it to a XXXX balance. ) It feels like fraud.
Product: Mortgage

I received mortgage assistance for the state of Arizona 's Hardest hit Program. This assistance helped me make my mortgage payment for a period of time. however, my mortgage servicer ( Shell Point ) is not showing credit for 4 payment sthat were sent. And I have asked them to research and correct this. This request has been pending since 2013.
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX XXXX was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX XXXX kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, contact Customer Service Supervisor, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from easypay. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all XXXX credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : XXXX. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. XXXX. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. XXXX. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. XXXX. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Debt collection

TD Bank fixed payment furniture loan {$2500.00}. Received at XXXX XXXX in XXXX. Paid {$60.00} a month on time until XX/XX/XXXX. Was advised by XXXX XXXX XXXX, a debt consolidation/reduction company to stop payment because they will be settling the debt with TD bank. We are now paying XXXX XXXX XXXX to negotiate with TD bank to clear the debt. I have spoken with TD bank every month since XX/XX/XXXX that we are using XXXX XXXX XXXX. They make a note and tell me that XXXX XXXX XXXX has not called them or reached out to them and Clear One has to call them not TD bank call XXXX XXXX That they can call me reguardless. XXXX XXXX has stated that TD Bank has received correspondence from them and they are in negotiations and shouldn't be calling me. TD Bank called me at my employer and couldn't tell me how they got that number I told them to stop calling my employer. They stopped calling my employer but still call my cell phone. They call XXXX  times a day except for Sunday. I spoke to a higher up person in TD bank twice in XXXX and XXXX and they told me they would note the account but they still have to call me. They never leave a message just call XXXX  times a day. They now lowered my credit limit on the furniture loan below the amount of the loan now showing I have gone over my credit allowance. They have sent info to the credit bureaus about that. They have sent me letters threatening to send me to collections in XXXX even though they have noted im using XXXX XXXX XXXX to settle the debt with them. 
This has lowered my credit score from XXXX to XXXX in a short time. 
The number they always call me from is XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting

Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me.
Product: Debt collection

I received letters from Penn Credit that stated I had 2 XXXX utility  accounts that have gone to collections. One was a water bill and the other was an electric bill. I have had my identity stolen and recognized the address used for these accounts as the same from an internet account that I successfully proved was fraudulent. I called Penn Credit and they gave me the steps on how to prove this that these accounts in collection were due to fraud. They provided me with a " fraud packet '' which included instructions to send documents to a specific address. I followed the directions and I got the certified mail back as " return to sender '' there's a note on the envelope that says the company I was addressing the fraud packet to has not been at that address since XXXX. I told Penn Credit that they provided me with inaccurate information and that they need to provide me with the appropriate information in order to dispute these collection accounts. They have not responded to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a copy of my credit report and noticed Account control technology reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of Section 392.102 of Texas finance code reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Account control technology. I sent a vertification letter with no response.
Product: Student loan

I am on XXXX and switched to the new SAVE plan where my payment will be {$0.00}. Mohela, however, calculated my payment to be {$81.00}. I have called multiple times and they agree that it should be {$0.00}. They have, however, placed me on a processing forbearance for XXXX months to get this corrected. These XXXX months will now not count towards my 120 months because of their incompetence. If they had placed me on an administrative forbearance then the months would count. 
What they are doing over there deserves a federal investigation. I constantly receive correspondence that is backdated by as much as XXXX weeks so they look like they are following the rules. 
At present, I just want my months to count because it is not my fault that they can not calculate a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I had problem getting my credit report. They ask questions and I know that I answered them correctly. Then they wanted me to verify my identity by uploading my drivers license and a bank statement via online. The files were well under the size limit this did not work Subsequently, they did send me my credit report.

Now, I am trying to lift a security freeze on my account temporarily. I know that I answered the questions correctly. I called my bank and got the term length of my auto loan. The second question was the bank of my auto loan. Obviously, I knew that because I just called. The last question was the last four digits of my cell number. I certainly know that. 

Now, they want me again to mail in documents to verify my identity.
Product: Checking or savings account

I applied for a SBA loan and was granted {$31000.00}. I had it sent to my checking account in my name, since I do XXXX  as a XXXX XXXX. The credit union started acting very suspicious after I asked about removing the money for XXXX  reasons. I was asked for all types of documentation and I supplied everything asked of me. They would not release the money. They were not properly instructed on how the loans worked and who was entitled to receive them. They eventually said they would sent me the money in a cashiers check, but in reality sent it back to the SBA. My XXXX  has been suffering because of these situation. They closed all my accounts and shut me out totally.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX Account opened XXXX Account Closed XXXX This is not my account- Identity Theft 2 ) XXXX XXXX Account XXXX XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX : Opened XXXX Account Closed XXXX This is not my account- Identity Theft
Product: Credit card

There is a past-due payment recorded on TransUnion and XXXX of a balance of {$0.00}. A {$0.00} past-due balance is ironic, this means I have no past-due balance. On XXXX, there is no such remark, and my payment history is perfect. You can see even on XXXX and transunion records themselves it says {$0.00} past-due. The inconsistency of these bureaus are so obvious, as for XXXX, on their website it says my BOA is 60 days past-due, and on their mobile app it says 30 days past-due. And on both, it says there is no recent delinquency! Each month 's credit report has different things to say. I have called at least 10 times and disputed 5 times through XXXX and 3 times through XXXX, and all representatives found it peculiar that the past-due balance was {$0.00}. The reason behind this issue I believe : My XXXX  credit card had autopay turned on and never turned off. On XX/XX/year>, I got a notification that there was a past-due payment on my account, and my credit scores from all three major bureaus dropped immediately. I called XXXX right away and asked about the issue and they said there was a {$6.00} past-due balance. This was very strange as I never turned off auto-pay. It was later I found out through XXXX and later confirmed by a representative of XXXX, that XXXX XXXX XXXX ' autopay gets automatically XXXX after XXXX  months of no use of the card. THIS IS RIDICULOUS! and the representative agreed that this is not my fault and therefore dispute it and remove the record off my account. The next day, XXXX and XXXX took it off my record and my credit scores were recovered. I was still waiting on TransUnion. XXXX, XXXX rolled back on that decision and dropped my score again with the record back on their file. However, the only record they had was that there was a late-payment and the late-payment amount was {$0.00}. The account status was " in good standing ''. When I called the XXXX line they said XXXX did not provide them with enough paperwork to reverse the record, which was very weird considering Experian was fixed and never rolled back. So I have a record on late payment of {$0.00} that is affecting my credit score with no reasonable person to talk with on XXXX or transunion other than the offer to just file yet another dispute, which I know will be ruled against, despite the obvious fact that the late amount due is {$0.00}.
Product: Credit reporting or other personal consumer reports

I paid rent to XXXX on XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX for XXXX years with no problem. Then out of the blue, while cleaning off my patio, I happened to have the need to go to the rent office to find out information about a previous resident/tenant. As a result, I was in a rush so I kept everything with me while in route to the rent office. Luckily, I picked up a washcloth with the items I was using to clean. While I was arriving towards the rent office to find out if the tenant who sold me my phones was currently living at the apartments, I covered the legal pocket knife that I was using to clean off the porch with my rag upon closing it. The leasing attendant noticed what I was doing and did not seem bothered by my actions. And a couple of days later I was surprised to see an eviction notice on my door. While they usually use those items to illegally threaten there residents.