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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX and DEPT OF ED/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Reported numerous times to provided phishing and fraud platforms
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the cfo of Bank of America that was received on XX/XX/year> at XXXX XXXX. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. I sent out a second letter stating that the incorrect accounts were being updated by the credit reporting agencies based on the information that Bank of America gave them. Today is now XX/XX/year> and the innacurate accounts are still on my report despite the request to cease and desist.They have not sent the 1099-c that was requested.I also sent letters to XXXX, XXXX, and XXXX. To which they updated the incorrect information. They are willfully not complying and reaging my charged off account by reporting payments I didnt make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my Experian credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Experian or any one else to run my credit, i did not apply for loans or any credit cards. Experian gave credit card companies access to my credit report without my person.
Product: Money transfer, virtual currency, or money service

Earlier today XX/XX/2019 l received several transactions through Cash App that went through ok. All of a sudden when one of my customers was trying to pay me the transaction was declined. Then the app shut down and l am no longer able to accept additional funds, and the funds that have been deposited into my account I am unable to retrieve. This is the second time that l have had a problem with this App within the last month. And this time my funds are frozen within the App and there is know one to call or speak to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has XXXX credit cards listed as charge offs and I never received a XXXX for them.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify accurate : XXXX XXXX XXXX Account Number : XXXX.
Product: Debt collection

This company is still putting on fraudulent information into my locked, Frozen and fraud alerted credit files. The credit bureaus delete it for not relating to me and these people go in and reinsert it again. They're not verifying anything and then they threaten and attempt legal action against a vulnerable individual without so much is even attempting to verify anything. These accounts are fraudulent. They were a result of identity theft. How hard is it to verify my proof of residence where I have lived for the last 5 years? Instead they add fraudulent phone numbers, fraudulent addresses in fraudulent accounts to my credit files that I have to dispute over and over and over again.
Product: Debt collection

A debt collection for over a thousand dollars appeared on my credit report with XXXX. I have never been to the facility that the debt originated from. 

I contacted the facility where the debt originated from, and they dont even have an account listed under my name. I told them about the debt collection on my credit, and I also submitted a copy of my identity theft report to them. I was told that they would contact the collection agency and have it removed. 

I attempted to contact the collection agency as well, and I also submitted my identity theft report to them. This collection account is still on my credit report, and they havent removed it. 

I filed a dispute with XXXX, and I also submitted my identity theft report to them. All they did was put a note on the account that I disputed it, but they didnt remove it from my credit file.
Product: Credit reporting or other personal consumer reports

I submitted a request for deletion, explaining that I was a victim of identity theft on XX/XX/year> with my ftc report and supporting documents. I have yet to receive any information or have these accounts deleted. It has been well over the allotted time for a response.
Product: Student loan

Received statement on XX/XX/XXXX stating that total due on XX/XX/XXXX was {$260.00}. Received a statement today saying that {$75.00} was due on XXXX XXXX. No payment has been made when I look at nelnet website it says that I owe XXXX and have a {$25.00} late fee.
Product: Mortgage

I am applying for loss mitigation because my husband 's income has gone down substantially. I have been submitting the requested documents since XXXX. They are not even working the account. I've heard that XXXX borrowers are getting shafted by this company. I have submitted all of the requested documents over and over and they keep saying please resubmit the same documents because they are not working the account in a timely manner causing the documents to expire and I have to go through the process again. They also told me that during this process we are granted protection and that has not happened. Our credit score has dropped because they are not working our account within the 5 to 7 days of us presenting the documents to them. They are asking for the same documents over and over. This is causing us to loss our home in the meantime. This seems to be the outcome they are desiring. I have recently been sent back our documents and told to resubmit them again. We are now at 50 days past due. This is just a game to them. The customer service representatives are unhelpful and you can not speak with anyone else who can help with this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX XXXX XXXX XX/XX/year> ID NUMBER XXXX [ XXXX XXXX XXXX XXXX ] Re : Formal Dispute of Inaccurate Information FCRA Section 1681o Dear [ Credit Bureau/Creditor Name ], I am writing to formally dispute inaccurate or incomplete information reported on my credit file, as outlined in Section 1681o of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence in the reporting of credit information.

Upon reviewing my credit report, I have identified the following discrepancies that I believe have been reported due to negligence or oversight : 1. [ List the inaccurate account ( s ) or information with account numbers, reporting dates, and any other relevant details ] 2. [ Provide a brief explanation of why the information is incorrect, or any supporting evidence you may have ] 3. [ Optional : If applicable, state that the item is outdated, inaccurate, or misreported ] As required under Section 1681i of the FCRA, I request that you promptly investigate these items and correct or remove any inaccurate information. The law mandates that consumer reporting agencies and furnishers of information take reasonable steps to ensure the accuracy and completeness of the data they report. In this case, the errors in my report indicate a failure to fulfill this duty, and I am requesting that these inaccuracies be addressed.

I would appreciate your prompt attention to this matter. If the disputed information can not be verified as accurate, I request that it be removed from my credit file immediately, in compliance with the provisions of the FCRA.

Furthermore, I would like to remind you that under Section 1681o of the FCRA, you may be subject to civil liability for damages caused by negligent violations of the Act, including the failure to maintain accurate and complete records.

Please provide me with a written confirmation once the necessary corrections have been made or if additional information is needed from me to assist in the investigation. I look forward to your timely response in accordance with the FCRAs 30-day investigation timeline.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Back in XX/XX/2023 XXXX XXXX, XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to ask Experian to remove the incorrect address that is listed on my credit report. I have sent a copy of a bill and my driver 's license to prove my address and where I live. 

Experian refuses to remove this address that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get in contact with both XXXX XXXX and XXXX XXXX XXXX XXXX the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles
Product: Mortgage

I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the account. ''
Product: Debt collection

There is nothing in collections on any of my credit reports. I keep getting calls from the National Recovery Agency claiming that I need to call them about about debt collections. I am concerned this is a scam and am worried about contacting them directly. They are calling from XXXX.
Product: Debt collection

I've disputed the amount as fraud several times with the credit bureaus. The Fair Collections continues to respond the amount is correct without any proof. The credit bureau upholds what they say, without taking into consideration the proof I've shown. I tried calling Fair Collections numerous times to make a payment arrangement, and to get an accurate total. My calls have gone unreturned for over a month. This debt is impeding upon my living situation. I'm on the verge of becoming homeless because this debt was reported to the credit bureaus. I can not afford a lawyer to assist me with this issue at the time. I have am more pressing issue I have to address, which is my housing situation.
Product: Credit card or prepaid card

This complaint is about my principle bank,, PNC. 
On Tuesday, about {$5000.00} was deposited into my checking account by XXXX. 
On Wednesday morning, I transferred {$700.00} to my credit card to pay an overdue balance of {$520.00}. The teller noted the fee as pai as paid and said nothing about holding or preventing my card from receiving charges. 
Thursday i attempted to use the now paid up card, but PNC blocked all transactions for various amounts including {$21.00} at XXXX, {$100.00} for groceries, and to pay my rent at XXXX for {$4400.00} after promising me all transactions would clear. 
Also on Thursday, PNC claimed that they needed to block these transactions because " it's a different division and the money isn't there yet. '' What? Both operations are sold under th term " PNC Banking '' and it felt like PNC was just lying to me os they could use my funds elsewhere for two days without me knowing about it. A manager in my branch when asked, offered an explanation that there are thousands of such transactions daily, and " ... they take time. '' She failed to disclose that these transactions are made at night when PNC Bank is closed to the public. To me it appears they are playing the float.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on XXXX, Experian, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Product: Payday loan, title loan, or personal loan

We want to payoff and close our line of credit to Santander Bank. We went to the branch that we opened the account and did the request conf # XXXX on XX/XX/20 at XXXX XXXX They said that we will receive a confirmation letter on the mail. We called again on XX/XX/20 because the payoff that was provided and we paid ( XXXX ) on XX/XX/20 was XXXX more on XX/XX/20 and the answer was that they can not see the account and they did not know what was going on ( XXXX XXXX ), I decided to pay that extra amount in santander online banking. When I checked the account today it shows that we still owe XXXX, We called again and was the same answer, they can not see the account and is nothing that they can do ( XXXX XXXX ). Money was in our checking account to payoff but they said that we still need to do the request ( did it 3 times ), we did the request but did not receive any answer so we decided to do the payment online but that did not stop the bank to post more interest on the account and/or provide a clear explanation of what is going on. I have more details about this situation, if you need it.
Product: Credit card or prepaid card

I was erroneously charged a late fee of {$25.00} and an additional {$35.00} in interest charges on my XX/XX/2020 statement. The payment was in the mail-box well in advance of the due date. My only thought is that Capital One is attempting to pad their revenues in this time of COVID-19. If the Postal Service is over-burdened in these trying times, that is beyond my control. Capital One, however, must not be allowed to fleece it's customers due to the COVID-19 crisis we are all doing our best to cope with. 

I attempted to call Capital One, but the wait time to speak with a rep was over two-hours ( absurdly unreasonable ). In other words, Capital One does not want to hear from outraged customers, but will happily nickel and dime them to death, hoping they will back down, or perhaps, literally die off.
Product: Credit reporting or other personal consumer reports

I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all 3 credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

These accounts and inquiries are : XXXX XXXX Credit Card Account : Account listed on credit report XXXX XXXX XXXX Credit Card Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report NYS Child Support : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : US Department of Education : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

Received a notice today from Convergent with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, Convergent 's letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who XXXX XXXX is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau continue their work on Reg. F, which will help fix these predatory tactics. Finally Convergent and XXXX XXXX ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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