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

XXXX XXXX XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. XXXX XXXX has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the XXXX XXXX Statements DO NOT reflect the actual dates payments process AND XXXX XXXX somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal XXXX XXXX checking 'instantly ' yet sometimes XXXX XXXX XXXX would take 3-5 days to reflect the payment in my credit account. XXXX XXXX also took over 50 days to respond to my dispute from TransUnion and did not address anything in my dispute. XXXX XXXX has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Vehicle loan or lease

We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.
Product: Bank account or service

I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.
Product: Student loan

Called EdFinancial to refund my student loan payments made during COVID on XX/XX/XXXX, I was told I should have an update to my loan amount owed within an unreasonable amount of time. I see others who called AFTER me have updates, but none for me. No updates have been made to my loan amount nor have I received my refund amount of {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6100.00}, {$1800.00}, {$450.00}, {$6400.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

6. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Mortgage

I am being forced to fabricate information on my mortgage application that absolutely does not exist and cant be found anywhere and the only way to get this information would be for me to make it up and i told them i would not move forward if that is the case. Now a month later we have to revisit this very issue again of me fabricating information that doesn't exist shows up again with my loan originator demanding that in order to move foward this information has to be provided or cancel. The loan originator from US bank who is forcing me to lie on my application is XXXX XXXX XXXX. 

Myself- I am retired from the Federal government, I am also service connected at 100 percent and those incomes have been paying the first mortgage which is the VA loan now through US Bank with no imperfections or missed payments ever in my credit history that at the time of my mortgage application the credit score is XXXX and all i wanted to do was refinance and pull some money out for home improvements and filled out the application online thinking it would go to my local branch but ended up in California and Kentucky and not one person i worked with ever showed any sense of professionalism so i was apprehensive from the start but did continue with the application and will only continue to do so with the information that is real and tangible!

I told them on two different occasions i would not do business like this and they still forced me to continue. I have the documents and the e-mail chain to prove everything. my next stop is HUD then DOJ!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and Equifax in XX/XX/XXXX; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by XXXX themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again.
My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXXand Charged off inXX/XX/XXXX. The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years.
XXXX and Equifax is in violation of the 2 laws and need to be held accountable, especially since they needed to settle in XX/XX/XXXXwith 31 state attorneys on inaccurate credit reporting information on consumer reports.
Product: Debt collection

Date Opened : XX/XX/2022 ( during pandemic ) credit balance of {$6600.00}. 
The first attempt making an special appearance to understand what information was assumed to be. In an attempt to collect a debt credova financial services, authenticated a mortgage using my identity. identity theft is a crime and is reported. violated my personal identity 18 u.s.c1028.4 identity theft 15 u.s.c 1681 a obtaining persons information to file a consumer report as an estate or subdivision agency or government agent. Fraud of information whoever knowing and process identification authentication or false defraud using electronic signatures. I see XXXX XXXX XXXX standing by including to XXXX XXXX XXXX in this collection. A financial interest, a report was pulled under false pretence which is identity theft. This is a claim and debt under mortgage. I have the right to due process. Delete terminate and remove immediately. Please remove. A loyal patron.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment {$390.00} as on the sale contract too. but on my Transunion report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Transunoin report 62 months. The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I called Wells Fargo because I required my checking account number for an account that was closed back in 2014 along with any other account numbers in my name. They did not provide it when I called on the phone and won't send me the information that I need.
Product: Mortgage

I have paid my Wells Fargo mortgage loan on time ( actually I am one payment ahead ) for over 10 years but all of these payments are not showing up on my credit report. The account was reaffirmed, however, there has been no payment history reported since XX/XX/2010. I am in the process of applying for another mortgage and need to have this history updated on my credit report immediately so that it can be factored into my overall credit rating.
Product: Debt collection

Westlake prortfolio is not willing to rectify the situation by fixing my car, all they state is that there a collection agency. I have spoken with the warranty department on XXXX XXXX and he stated they only fix mechanical issues and this doesnt fall under the scope. My car is essentially a boat right now, when is rains water constantly pours from the ceiling onto the dashboard the center console and the passenger seat. The water also leaks from both the passenger and driver door causing water to seap into the floor which you can hear what seems like gallons of water underneath the floorboards when driving, swishing back and forth. It is now a moldy smell and I cant drive it with my children in the car and I have to wear a mask as it is my only means of transportation and they still expect me to pay my car note. They have not tried to get my car fix and all they keep telling is that theres nothing they can do as well as when I asked them to furnish my contract with there name on it they sent me my old contract with US AUTO SALES, or US AUTO SERVICING ( whom has since been shutdown as of XXXX ) and nothing stating that I had to pay them so Im assuming thats why they are not trying to take any responsibility to trying to fixing my car. 




So far I have paid {$2200.00} and they keep threatening to reposs the car and continue to tack on charges stating I have to pay this amount or they will take the car. 


I have constantly asked for an auto contract with them signed by me and they havent produced anything and now I am without a car due to the car having water damage that was not disclosed when I got the car from us auto sales on XX/XX/2023. 

Please advise on how to properly rectify the situation.
Product: Debt collection

I mailed letters to every collection agency on my credit report. I had insurance and am being charged for medical expenses. I tried to call and fix the issue, I mailed letters. When I go to dispute every one on XXXX it doesnt allow me to go through because it says I answered the security questions wrong. They are questions like who did I open a car loan with in XX/XX/XXXX and what bank account did I open in XX/XX/XXXX and I dont know if someone is using my name, but I answered all of the questions right and it said my answers dont match their records. This is crazy. I am XXXX years old and XXXX and trying to clear up these crazy and unknown debts and collections and I cant even go through with it. Please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I sent off a notarized dispute letter to Bank of America Corp. to dispute this account on how it was reporting on my consumer report. They never responded to my dispute that was sent via USPS to them. The Fair Credit Reporting Act states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with world finance. XXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.