23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.
Product: Vehicle loan or lease

I purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.

I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?
Product: Credit reporting, credit repair services, or other personal consumer reports

The below mentioned collection accounts are reporting as " open '' accounts with Equifax and XXXX. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to Equifax and XXXX regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX CREDIT BUREAU XXXX EQUIFAX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX CREDIT BUREAU XXXX XXXX ACCOUNT XXXX : XXXX XXXX ACCOUNT XXXX : XXXX CREDIT BUREAU : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not be removed from my credit report and is causing my score to be less than it should. This is reported on my Experian and XXXX credit report.
Product: Credit reporting

Equifax , after my spending two DAYS on the phone trying to get them to explain something on my credit report, finally let me speak to an AMERICAN who SOMEWHAT explained it, then she rudely hung up on me.
Product: Mortgage

This started back in XXXX, I ask why I'm still paying for their ins., I got my own ins. and the said that it has to do with escrow and I showed the ins. amount and I have my own ins., I was told to wait and the was going to check and get back with me, and they never did., I called them and ask about the modification, I was told they were still working on it. well, my payment was getting late and wanted to pay something on and, I was told, no they were still working on it. I waited, no anwser, I got a letter in saying they need more information, Ok, I did. Then I was told that they could not help me, because, I was not making enough money, Then now I was 2 months behind and tried to send them, {$400.00}, and the took it, but I was having trouble with the bank, and payment came back. Now I'm getting letters on foreclosure and i'm trying to get a loan to pay, and again I tried to give them {$400.00} and they refused partial payment, I was told they do not except partial payment. Right now I'm trying to come up with something. I feel they are doing this purposely, they want my house.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXXXXXX XXXX XXXX XXXX if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit card or prepaid card

Opened this account on XX/XX/XXXX - In XXXX I went out of the country and being that the card was only opened one month and the fact that I was away I mistook the due date and paid the statement balance in full ONE day late - was due XX/XX/XXXX, I paid it XX/XX/XXXX. 
They charged me interest fee - I called for a refund and they were only able to do a partial one of {$50.00}. 
I made sure the next month in XXXX to pay on time and the full balance but for some reason I saw ANOTHER interest charge - I called them as soon as possible and they explained that the late payment from XXXX affects me in that I get charged interest for 2 months in a row! After being transferred to a manager, he said there was nothing he could do. 
Today, XX/XX/XXXX I login to pay my bill at XXXX - 45 mins before due date has passed. The app and website show that the payment will only be processed as the XXXX - I called customer service and they advised its because their cutoff is XXXX! After speaking to a manager right away ( still before midnight ) I ask her to help me out as this is technically still before the due date and I hadn't know the rule! She says there's nothing she can do. 

These are my issues - I really hope you cam help
Product: Debt collection

I had an auto loan with the original creditor XXXX XXXX XXXX, that was sent to the collection agency, R. A. Rogers , Inc. I have been making payments to the collection agency for quite some time now, and recently requested a payoff amount to try and finalize the collection. They sent me the payment letter in XXXX stating " We are approved by our client to offer {$4100.00} which is due in our office by XX/XX/2022. Upon receiving a cleared payment of this settlement offer, we will notify our client that your account has been satisfied in full, and that you no longer owe on this debt. '' On XX/XX/2022 I made the payment in total of {$4200.00}. However, I then got a call from R. A. Rogers , Inc. stating that they can not accept the payment, as it is now {$2500.00} more to pay off. I wasn't sure if they could do this or really what to do so it has been going back and forth between the company and myself, I have asked around about this as well as speaking with a free consultation attorney that directed me to file this complaint to get assistance in addressing this. I was told that with the offer letter and my payment being made BEFORE their deadline, that they can not change the settlement amount and must accept the payment on their letter. To try and deal with this without having to go this far, I then contacted the Original Creditor, XXXX XXXX, to explain what their collection company is saying to see if they can contact their collection agency and advise them to take the payment. However, XXXX XXXX told me that they can't help, as the collection agency is completely separate from them. There's nothing they can do. So as I submit this complaint on XX/XX/2022, we have still not yet passed the payment due date for this offer. They claim they are sending me my payment back because they can't accept it due to the payoff needing {$2500.00} more than their payoff letter stated, yet I have also not received anything despite it being about 2 weeks since that claim.
Product: Debt collection

While working on a mortgage, I was notified by my bank that my credit score was being impacted by a medical bill debt. Upon contacting XXXX XXXX XXXX they provided me with details about the debt. It was from a charge stemming from someone with a different name and address who used my social security number. I filed a notice on Identitytheft.gov and sent them a certified letter disputing the debt on XX/XX/2019. Rather than addressing this issue the company then sold my debt to Phoenix Financial services who is now trying to get payment for this debt.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and and I noticed that I had 7 late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed 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 accounts I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are dates of credit inquiries that I wish to have removed from my credit report  XXXX . I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX  XXXX. I'm not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is stating that 100 % of the loan is paid, but it has periods where it was reported late. When it was reported late the loan was in deferment. I need them to change the late payments to all paid and this account should go under satisfactory accounts and not possible adverse accounts. 

You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX F M A M J J A XXXX O XXXX D XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status XXXX Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status XXXX Days Late Times XXXX/XXXX/XXXX days late XXXX/XXXX/XXXX Closed XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXXXXXX Glacier bank - XX/XX/XXXX XXXX via XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I sent a request to XXXX and Experian to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

PennyMac is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time PennyMac was publishing a sale date for my home. This along with other concerns defined in the attached documents is clearly defined as Dual-tracking.
Product: Credit reporting or other personal consumer reports

This is my 1st attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EXPERIAN. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Debt collection

I closed my safety deposit box years ago, Ive communicated with Huntington Bank, they say theyre aware of the mistake but continue to harass me for a box that I closed years ago!
Product: Debt collection

hello. i just received 4 notices through the mail, that was sent to my old address. they are from - cedars business services , llc. - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 1. file # XXXX {$390.00}. ( 2. # XXXX {$390.00}. ( 3. # XXXX {$390.00}. ( 4. # XXXX. {$390.00}. im assuming it is a traffic or parking ticket that i have no knowledge of. from XXXX. i havent been there in XXXX years. and the amount is quite staggering. im a XXXX military vet, with head & neck XXXX. i need help in this matter. thank you ssg XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they will remove the account off of my credit report within 60 days, and as of today, Equifax is refusing to remove that false and misleading information off of my credit report so Im writing this letter to file a complaint against Equifax who has repeatedly violated 15 U.S. Code 1692 g. Equifax has also violated 15 U. S. Code 1681c by failing to provide the consumer with the original wet ink signature of the alleged contract I signed with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  and XXXX  cooperated and removed that false and misleading account off of my credit report, I need Equifax to do their job and remove this account off of my credit report because its been well over 60 days for them to update my report.
Product: Debt collection

I am so tired of XXXX XXXX  harassing me over a debt a dont owe. Charges were unauthorized through a XXXX XXXX XXXX XXXX overdraft checking account. I am currently under the care of my XXXX  and XXXX  The unauthorized charges occurred while I first started receiving XXXX years ago. I was hospitalized for months and XXXX after XXXX and XXXX XXXX XXXX XXXX was aware. I couldnt even XXXX so I could I make purchasing. I am still under the care of my XXXX  and I have XXXX XXXX XXXX  and still receiving XXXX. I am XXXX and you all want to harass me over a debt that I didnt create and a debt you all dont own. I dont mind going to court. My doctor told me not to worry about XXXX XXXX and not to let them stress you out. She stated you are under my care and if I have to intervene she will if they dont stop harassing you. Please mail out the papers certified so I can give my doctor a copy. I am so tired of this company. This company is interfering with my health and treatments. And it has to stop