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

XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on Experian, XXXX and XXXX. The credit reporting agencies failed to validate the late payment. What procedure did Experian, XXXX, XXXX use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ).

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must
be met according to 15 US Code 1666b-Timing of payment 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 failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ This is on my Equifax Report. I tried to dispute this with the company, and they have not did anything to resolve this issue. I am not aware of these accounts. Law states I have a right to a validation letter which was not shown. Even still, my information is not to be shared to 3rd party without consent in wet ink. We can resolve this by Disputing this off of my EQUIFAX, XXXX ASAP. 

In best regards. Account holder
Product: Debt collection

Law firm is showing I have a complaint, I have seen zero validation, this is a mistake and it must be taken off. This law firm is showing on my credit report without any contact. I have not received any validation that the account belongs to me. The collection was listed as open as of XX/XX/19 of {$6500.00}. I need for this collections to be removed from all credit reporting agency due to lack of validation. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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.

UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX DEPT ED Account # XXXX 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 an account without my written instructions.
Product: Mortgage

To whom it may concern, I would like to file a complaint against Sierra Pacific mortgage company. 

My XXXX payment was posted as an additional principal payment incorrectly instead of as a regular monthly payment. They have ackowledged this error. Since this time they have been showing that I am a month behind. My payments have all been made in full and on time. 

*My XX/XX/XXXX payment cleared my bank on XX/XX/XXXX. It was not posted to my mortgage account until XX/XX/XXXX. I was told on the phone that this " was held in a non-interest bearing account '' My question is why? 
*I have received letters of foreclosure. This is very concerning. I am also curios how they would threaten foreclosure if they are only showing one month behind.

*I have received numerous collections calls, one per day. Each time I have to tell the person to read the notes. " they are unable to take me off the collection list until accounting moves the payment and corrects this '' *I have made countless attempts to contact them about this, by phone, email and fax. I have sent copies of my bank statement and transactions as proof.

*I got my mortgage broker involved. She has discontinued using Sierra Pacific because of issues in addition to mine. She was not able to help me. 

*They are adding late fees to my account balance. 

I desperately need someones help with this. I can not afford to hire an attorney. If this is just an error it should not take 7 months to correct. I beleive that there is something very irregular going on. 
Their error that should have been corrected months ago is causing me not only stress but effecting my credit rating. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXXplease update. i HAVE NEVER LIVED IN XX/XX/XXXXOHIO please delete remove the following addresses:XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXOH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX,XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX ,XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX , XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX. Please forward me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, Chase increased my credit card limit from XXXX XXXX to XXXX  XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from XXXX XXXX to XXXX XXXX. Subsequent to this reduction, my credit score reported by XXXX and other similar agencies and reported by Chase DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of Chase correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with Chase. They have done nothing regarding either complaint. 

My credit score is now down XXXX points as a result of Chase taking action without my request or approval and subsequently correcting it at my request. Chase simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by Chase of more credit card volume without having a conversation with me, their client.
Product: Debt collection

On XX/XX/2023, I received a notification on my XXXX credit monitoring account that a collections account was added to my credit report, I called the collections company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they sent me an informational email on what to do and this is one of the steps that they need to verify my identity, and that this collections account is a result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Mortgage

I filed bk a year ago and have been able to see my accounts online for chase the entire time and in  XXXX  f last year my attorney faxed in a letter to them saying I could get statements and year end tax items as well and until yesterday I was not able to see my account online for some reason. I called chase they told me due to the new conversion on their system is why I cant see them now and I am not able to pay on line anymore as I have been doing every month from my chase account. they say my bk is not  discharged  when It is they acknowledge they have the discharge but now want a " termination letter '' from the court which takes years to get done. all I want to do is pay my account like I have been doing since  XXXX , on time and in full each month never late. they told me to mail in my payments, this is not secure and I have no way to know they got there or are being applied because I cant see it online like I normal do from my account. no one wants to help me and this lady I spoke to on  XXXX / XXXX / XXXX  named  XXXX   XXXX  who was a manager was the most condescending person I have ever spoken to, I am being discriminated against because I was forced into a bk. they keep loosing letters my attorney send them saying I can get statements or they can speak to me and it cost me money every time it has to be resent to them they are unprofessional and unkind.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$4300.00}
Product: Debt collection

I have contacted the company IC System , Inc., XXXX XXXX XXXX XXXX  XXXX, MN XXXX on multiple occasions to verify the ownership of my debt & they do not provide the verification, instead they continue to report to the Credit Bureaus that the account is in collections. I dont have an account with XXXX  XXXX  and I want the account verified and removed from my credit report.
Product: Payday loan, title loan, or personal loan

Hello, In XXXX I was approved for 3 separate products, One a Home Equity, A personal loan in which I paid off and a business line of credit. The business line of credit is the product I have an issue with. The manager of the bank that processed the loan stated that the business loan did not have to be paid but that the interest of the loan would have to be paid on a monthly basis. I was paying the interest with no problem. If TD Bank needed payment for the loan why did n't anyone contact me with that request? 
I was taken to court back in XXXX and again in XXXX by the banks Law counsel. We sat down with their lawyer and a Judicial administrator to come to a mutual agreement. 
I brought all my documents as proof to me paying the interest and in the document it states the amount in which I owed. The administrator wanted to see her /counsels documents. for the amount she was demanding for the bank. according to my records the balance was XXXX. TD Bank charged off on my loan back in XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The TD bank recovery team went into my business account and withdrew XXXX I was n't notified on this. I was doing business at DMV and my bank card declined 2 times. So I called the bank and they could n't give me any information. 
Since then, I had numerous return check fees, I was in the negative. The first representative in the recovery dept I owed {$2900.00} on the account I spoke with Mr XXXX of the recovery team and he demanded I pay well over XXXX dollars per month. I explained that I had been a good customer of TD bank and that i could n't afford to pay that. I also mentioned the XXXX amount he said I owed a lot more than that. I was willing to pay {$170.00} He told me NO. 
I 'm curious to know why they need more money when in fact my balance was XXXX and they took XXXX which leaves XXXX, On XXXX XXXX XXXX XXXX XXXX from the recovery dept took another XXXX from my account. That total is now an additional {$1800.00}. 

To my knowledge a charge off is insurance paid to cover the loan. 
Now the bank is double dipping sending the loan to their in house recovery team. 
They have received their money twice and are trying to get more, in which as a tax paying citizen is unlawful and quite fraudulent on their part. 
I have documents attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I noticed several inaccuracies. Not only is my name wrong but also the addresses on my profile. This is aiding to potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I printed off a copy of my Experian credit report, through the annual credit report website. I have a collection account from XXXX XXXX XXXX already reporting on it for the amount of {$4200.00} XX/XX/XXXX, I get an alert from XXXX XXXX score of a new collection be reported on my credit report. I check and it is the same XXXX XXXX XXXX Account that was already reported on my credit report. Now being reported as a new account for the same {$4200.00} How are these clearing house allowed to do that? It is the same account. It is not new. It should not be allowed to be reported again. further damaging my score. How do i resolve this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX & account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX & XXXX XXXX XXXX account # XXXX & XXXX & XXXX & XXXX 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
Product: Debt collection

I was contacted by XXXX with XXXX XXXX XXXX in XXXX XXXX regarding this XXXX account. I told her that I had went through XXXX law group and that my XXXX account had been paid off. I told her I would find the information and send her as XXXX law group went out of business. I was able to get an accounting from XXXX XXXX XXXX. I sent this to them and advised I was disputing this debt. 
Every single month XXXX would call me and every single month demanding that I take care of it, I would tell her that I was disputing it. She would say oh yes I see that. Then I started receiving calls from XXXX at Guglielmo & Associates and he said that he was in charge of the case. I advised him that I was disputing it. He said oh yes I see that. This continued until XXXX XXXX I spoke with XXXX again and again I advised that I was disputing this debt. He told me that it was no found in my favor, I asked how that could be when I sent paper work showing that my XXXX account was paid and that I have never received any paper work from them. He told me he would send some out. 
On XXXX XXXX. XXXX I sent them a letter requesting information. I never heard anything from them. 
In XXXX XXXX I called regarding another matter I spoke with XXXX after finishing with this other matter XXXX asked me about the XXXX account, I advised her I was still disputing it and had sent in a letter requesting information. She told me she sees the letter I sent in XXXX. XXXX told me that they sent me what they were obligated to send me. 
I did not hear anything from them again until I was served with papers. I also believe by the paper work they sent to me and to the court that this debt is past the SOL as it shows the last activity was on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have {$38.00} in my crypto.com account. I have asked the company to release my funds, but they require a minimum withdrawal of {$100.00}. However, I have explained to the company that I do not have any money in my bank account. I think my balance is currently negative at the moment, so I have tried to get them to understand that I can not add money to my account to meet the withdrawal minimum. Despite this, they have given me no option in which I can access my funds without adding more money into my account. If I try to add money, I will be charged a {$30.00} overdraft fee by my bank.
Product: Mortgage

On XX/XX/2020, I closed on my Refinance deal with AmeriSave. On  XX/XX/2020, I received checks via XXXX for creditors & payout ; in which, I noticed 2 discrepancies. ( 1 ) My refi cash out check was - {$1500.00} short. I inquired about the issue with XXXX XXXX XXXX & AmeriSave, they both blamed the other. So I started an email thread with both included, I still got no where and still have not received my proceeds to date. ( 2 ) Per underwriter, I had to pay off my creditor, XXXX. XXXX provided documents & emails specifying I  was paid in full since XX/XX/2020 and they couldnt accept the endorsed check. Upon sharing this information with AmeriSave, they still denied the valid data, chose to ignore my current credit report that they pulled which showed a XXXX  balance. Refusing to accept XXXX check back to resend in my name. Its been over 28 days of frustrating, redundant back and forth emails/ calls of broken  promises of repayment to include tracking information and still no resolution to date!! CFPB please assist and get these folks to stop holding MY money hostage.

Consumers : I have been dealing with this refinance process with AmeriSave for well over six ( 6 ) long, frustrating months. With  other pertinent departments involved it was either people had delayed responses, their emails always stated not available which delayed paperwork process, which then expired, which lead me to resend. Now, when I should be excited and celebrating this unnecessary, time-consuming ordeal. The only great, professional, prompt, communicative person at AmeriSave was my loan originator, Mr. XXXX. I would have swiftly went elsewhere if it wasnt for him.
Product: Credit reporting or other personal consumer reports

Send request to remove all inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Achieve Personal Loans XXXX Achieve Personal Loans XXXX XXXX XXXX C XXXX XXXX XXXX
Product: Debt collection

I am writing to formally complain about the harassment I have experienced from XXXX regarding a debt collection issue. Since XX/XX/year>, I have received XXXX emails from XXXX at various times of the day, including as early as XXXX XXXX 

Despite sending a letter on XX/XX/year>, requesting that XXXX stop contacting me and validate the debt, I have not received any response. This ongoing email harassment has caused me significant stress and disruption. 

I request that XXXX immediately cease all email communications with me and provide validation of the debt as requested. Please acknowledge this complaint and provide a resolution within XXXX  days. 

Thank you for addressing this matter promptly.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud theft, and the following accounts are not authorized by me or done by me and i am requesting to be removed and as well have all my supportive documents to provide XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX