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

There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying this issue.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX, am verifying that XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Mortgage

I contact a Shellpoint Mortgage Company customer service representative on XX/XX/2020 and advised them that I wanted to end the forbearance. She gave me several options for my mortgage payments, and I chose the option to have the three months that the mortgages was in forbearance to have those payments deferred and placed on the back end of the mortgage. She stated she would update the system and that there was nothing else that I needed to do. I resumed paying my mortgage payments XX/XX/2020 and I have been paying my payments on time. I received noticed in XX/XX/2020 from Shellpoint stating that my mortgage was outstanding for three months. I contacted a XXXX XXXX who acknowledged that their records did indicated that I call on XX/XX/2020 to discuss ending the forbearance, but that the proper paper was not submitted by the representative. They acknowledged that this is paperwork that was supposed to be done on their end, and that I did take the proper steps to end the forbearance. She stated she will start the deferment agreement which I received an official letter on XX/XX/2020. I informed her that it is showing on my credit report that my mortgage was late for two months XXXX and XXXX and that my credit report dropped by XXXX points because of this. I also informed her that it clearly states in the forbearance letter that I will not be penalized with a late payment charge or with negative credit reporting if I miss a mortgage payment. She informed me to contact the business office, which I have done on numerous occasions. I have sent them all of the information including a copy of my credit report, and as of today, I have not heard from Shellpoint. I have attempted to dispute this through the credit agencies, and it continues to show my mortgage being late. My credit report continues to be negatively impacted by this erroneous report of late payments.
Product: Mortgage

Our original mortgage was with Countrywide and when the economy crashed in 2009 our mortgage was sold seems to us several times finally landing with Bank of America. We had no choice in the matter. Numerous times since they purchased our contract we have tried and tried to do a loan modification, refinance of some sort only to be told sorry we still have not received all the paperwork. We would then fax it. There was still always an excuse it was lost etc... We are over it. Also we weren't able to get into the better interest rate. Another thing that happened was me and my husband were on the Countrywide loan together and now it is only my husband on this loan. And we do not have the XXXXXXXX XXXX we had on the Countrywide loan. We have fell behind and have been able to redeem ourselves with help from Government programs. It has been a continuous cycle. Fast forward to covid we found ourselves in the same situation. And to no avail were we able to work with Bank of America. Another government program helped to bail us out but again here we are still stuck at a higher interest rate, large house payment and no one to assist us with refinancing or a loan modification. We want to stay in our home and the only solution we ever received from Bank of America was to do a short sale or let it go back to the bank and walk away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with my Equifax credit report. When Im applying for loans, the creditors cant access my Credit profile. The error message either mismatch personal information or credit profile dont exist. Also, when I tried XXXX and XXXX same message. I been having this problem since XX/XX/2022. I call Equifax several times but still cant get the issue resolve. I dont have a Fraud Alert or Security Freeze, so this is an internal issue. I have several credit monitoring services and my Equifax last update was XX/XX/2022, and this when the error started happening. I dont know if I have 2 profile or do I need to create a new profile on Myequifax.com
Product: Credit card or prepaid card

Hello, Thank you for taking the time to review my concerns. 

On the weekend of XX/XX/2022 - XX/XX/2022 I purchased 4 nights stay at the XXXX XXXX and during that timeframe we did not have a working shower. I spoke with management during every night of the stay and they would promise to address the issue but it was never resolved. 

This is disappointing because a functional shower is an essential part of a hotel stay and my parents and baby brother were not able to clean up which resulted in health issues. 

Chase manages rewards parties via a third party member and in order to discuss the issue, I had to contact ChaseTravel>Vendor>Hotel in order to receive more information. This game of telephone did not allow me to properly convey the issue and work towards a resolution. 

Upon filing a dispute this added another layer to the conversation Chase XXXX. After speaking to multiple people on the issue I dont believe the details were correctly recorded and my dispute was closed.

As a customer, I dont believe Chase attempted to correctly resolve or correct the issue for the following reasons : 1. They did not allow me to dispute the full amount as I used travel points for {$300.00} out of a {$950.00} dollar stay 2. They introduced multiple lines of communication which prevented me to accurately articulate the issue 3. Unclear resolution description 4. Little to no communication from Chase on the issue submitted or resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote to TransUnion and have proof through certified mail. I have not received the results of my disputes within the 30 days allowed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Incorrect ADDRESS AND JOB IS REPORTING ON MY REPORT I Dont work at XXXX XXXX XXXX XXXX XXXX PLS DELETE THESE ARE A VIOLATION OF MY RIGHT 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple incorrect versions of my name, also a completely incorrect name on my credit reports. There are multiple incorrect addresses and incorrect employment history.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below a

s Fraudulent. Please remove all from my credit report. 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 15 USC 1681. 
Items listed above, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX  XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit card

Unsolicited, I received a XXXX XXXX mastercard from Citi. When I called the number on the back of the card : XXXX to report this fraud, they refused to cancel my card despite my verifying my address, phone number, and account number. They said I also needed to verify my social secuirty number. I refused to do that. Why should I give my social security number to an institution that already has sent me a fraudulently acquired card?
Product: Checking or savings account

This is an ongoing problem of privacy and identity theft. On occasion, Chase Bank sends me notices of how this bank using my personal information -- most of which I can not opt out of. Chase Bank arrogance puts me more at risk for identity theft when they share my personal information ( for profit ) with other entities. Corporations have become too powerful and greedy. It is time for the pendulum to swing towards the rights and concerns of the consumer. I note that the outrageously-weathly XXXX announced the other day that he would not reimburse customers for overdrafts as a result of the pandemic. In my town of XXXX, he has closed down at least XXXX Chase location -- crowding customers into a smaller facility. Even the local Chase employees complain. Just wondering how nasty American smash & grab capitalism will become before the system is changed??
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I attempted to move the payment date to XX/XX/2019. During the first conversation with the company I was told that the payment had to be made two ( 2 ) days prior to the payment date which is XX/XX/2019. I then reviewed the attached contract. Per the contract XX/XX/XXXX 's due date is XX/XX/2019 and the contract or website does not state this requirement. I then made a second telephone call to the company 's customer service requesting that the payment date be moved to XX/XX/XXXX and per the contract it did fall within the " two ( 2 ) day ''.  The customer service representative could not make the changes nor had any further explanation. I was then transferred to a manager and requested this payment date moved again.The manager then stated that the request could not be made due to a " two ( 2 ) business day prior to the original payment date ''. Again, there is NO written statement in the contract that states what has been stated by customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was selling a furniture set on XXXX marketplace with a pricetag of {$700.00}. A XXXX user displayed interest in the product and messaged me. On XX/XX/2022, he asked for my Zelle contact information to supposedly pay me- phone number and email, which i gave to him. He stated that he had already deducted {$700.00} from his account and sent me screenshots of this alleged payment. However, zelle only allows for a transfer of up to {$500.00} and i was fooled into thinking that if i would deposit what came out to be an extra {$400.00} ( through XXXX separate transactions and XXXX different emails, all linked to the same scammer ), my Zelle account would be upgraded and i would be able to receive the pending funds of {$700.00} as well as get my deposit of {$400.00} refunded. 
This did NOT occur, and i never got my money back. I realized that the man had scammed me, but there is no way to receive my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued concern and frustration regarding the unresolved issue of late open accounts. Despite our previous attempts and numerous communications, it is disappointing to note that this issue remains unresolved. 

We urge you to escalate this matter and allocate the necessary resources to expedite the correction of late open accounts. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. 

Please consider this as a formal escalation of our concerns. We expect prompt action and a tangible resolution to be implemented without further delay. Failure to address this matter adequately may compel us to explore alternative options to ensure timely and efficient account openings. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$34000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$520.00}.
Product: Checking or savings account

I received a text message starting that there was a problem accessing a Chase account due to an issue with XXXX. I do not have a Chase account. My XXXX account is linked to a different bank and has no current or pending issues. The text message provided a link to undergo verification procedures and prompted me to respond with XXXX if I not longer wanted to be contacted. This is by far the most convincing text scam I have been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan at in the month and year of XX/XX/XXXX and I Authorized XXXX XXXX XXXX in XXXX to check my credit to see if I qualified for a auto loan. Recently reviewing my credit multiple unauthorized inquiries were made on my credit. XX/XX/2018, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX   XXXX., XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX and XXXX XXXX Auto XX/XX/XXXX a total of 20+ unauthorized hard inquiries were ran on my credit without my permission by financial institutions without my consent. Thank You