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

Why do you provide wrong information to consumers by saying carrying a small balance on credit card help score is a myth? Ive tested this theory 3 times in the last 3 months and found youre once again lying to consumers. On XX/XX/XXXX My credit utilization on total card was at 1 %, I paid off the small balance of {$10.00} and brought my utilization to 0 % my score dropped by XXXX points! I tested this again by keeping a small balance, my credit score goes right back up to XXXX points. Today, XX/XX/XXXX my utilization updated to 0 % after I paid off my small balance just for me to see the score dropped of XXXX points. CLEARLY your algorithm negatively impacts peoples scores for having 0 % utilization, why are publicizing on your website that this is a myth?
Product: Debt collection

Today, XX/XX/2021. I was notified through my XXXX  subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.
Product: Credit reporting or other personal consumer reports

This inaccurate public record information is reporting on my credit report. I have no knowledge about this so please check the documents that I've sent.
Product: Credit reporting or other personal consumer reports

My account with 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 payments reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have a couple issues with this company. We were with XXXX XXXX for many years and when we were down to our last payment we were sold to Mr. Cooper XX/XX/XXXX. I sent check number XXXX in the amount of {$1100.00} on XX/XX/XXXX to payoff my mortgage. I noticed that the check didn't clear so I called Mr. Cooper and they claimed they never received my check and my payoff amount would be {$20.00} more. I sent them check number XXXX in the amount of {$20.00} and that check cleared my bank but check number XXXX never cleared. I called Mr. Cooper on XX/XX/XXXX and was told my payoff amount would now be {$4500.00}. I discovered that they were including my real estate taxes in that amount. My check number XXXX cleared XXXX XX/XX/XXXX, they had the check the whole time. I found out that they paid my real estate taxes unnecessarily. XXXX XXXX paid them on XX/XX/XXXX and Mr. Cooper paid them on XX/XX/XXXX so in order for me to payoff my mortgage I had to pay Mr. Cooper for their mistake and I wire transferred the payoff amount to them on XX/XX/XXXX and we received a paid in full letter from Mr. Cooper. In XXXX XXXX XXXX XXXX sent a check to Corelogic, a tax agency that works with Mr. Cooper for my real estate taxes that XXXX over paid but as of XX/XX/XXXX they never cashed the check so they are holding my money. I paid that so that amount is due to me. My second issue is that on XX/XX/XXXX I received an email from the 2 credit agencies that monitor out accounts and said that our credit rating dropped XXXX points because Mr. Cooper claimed that we did not pay our XXXX payment. I did pay it but they held the check. Because we were new to Mr. Cooper they gave us 60 days to make a payment. I called Mr. Cooper on XX/XX/XXXX to get them to straighten this out since AGAIN it was their error. I have never had my credit rating drop. I have not heard from Mr. Cooper or our credit agencies that anything has been corrected. I tried to call Mr. Cooper but since my loan is paid the only give me 3 options and since none of the options fit my complaint the computer hangs up on me. I am tired of dealing with this company. They owe me {$3400.00} and they need to correct my credit rating. Mr. Cooper has made a nightmare out of what should be a wonderful time for my husband and I paying off our mortgage. They should be shut down, they are completely incompetent. I apologize if this sounds like ranting but I have been dealing with this company for 6 months. I wait to hear from you. Thank you for your time.
Product: Debt collection

I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act Affirm accountt # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Product: Student loan

I was making payments each month for past 7, that included few dollars each month overpayment. There was no Covid relief anything like it. I am still learning what this company is as when I signed for those loans I was young, did not know better nor I had excessive knowledge about loans coming from another country. Anyway, payments were made, and I do not recall making any targeted payments except first, with that said it was automatic, but the money was applied, to make 6 out of 5 loans short. The total past due showed up few cents on each loan which is ridiculous, but it can trigger late payments on all, negative report to credit companies and loan being in default and basically ruin my life. 

When contacted AES did not offer much of explanation except breaking down payment applied, but did not answer which payment was it, for which month. AES just offered for the payment to be reapplied to cover the past due. I asked again, no explanation was offered and with that I know I did not do payment incorrectly, because if I did that would cause issues earlier. On top of that if I am paying it off, the payments technically should be lower than previous and I was overpaying too. I believe the payment was applied whatever way AES wanted to make a past due amount, and then charge late payments and XXXX me up. For time being AES stated that past due has no negative consequences like they are doing me a favor. I think something shady is going on. I set my payments for few month manually thinking it would be easier and if I did not look, I would be in trouble. I don't know what this company is doing, but I sure would like to find out as I am not the only one experiencing this with AES.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to an inaccurate XXXX record on my credit report. 

FCRA Violations by TransUnion : Failure to conduct a proper reinvestigation ( FCRA 611 ( a ) ( 1 ) ) Failure to provide the legally required Method of Verification ( MOV ) ( FCRA 611 ( a ) ( 7 ) ) Failure to ensure maximum possible accuracy in credit reporting ( FCRA 607 ( b ) ) Summary of My Dispute & TransUnions Response : On XX/XX/year>, I formally disputed a XXXX record appearing on my TransUnion credit file and requested a full Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). 

I submitted documentation from XXXX, proving that XXXX does not obtain XXXX directly from the courts but instead receives data from TransUnion. 
On XX/XX/year>, TransUnion responded, stating : Address Removal : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVED XXXX Record ( XXXX XXXX XXXX XXXX  ) VERIFIED AS REPORTED TransUnion FAILED to provide the required MOV and did NOT produce independent court records proving verification. 

How TransUnion Violated the FCRA : 1 Failure to Conduct a Proper Reinvestigation ( FCRA 611 ( a ) ( 1 ) ) TransUnion did not provide court documentation as proof of verification. 
The dispute was not properly reinvestigatedthe XXXX was simply verified without showing how. 
2 Failure to Provide the Required Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I requested MOV, including : The name and contact information of the verifying entity. 
The specific source ( court records ) used for verification. 
Explanation of XXXX role in verification. 
TransUnion failed to provide any of this information. 
3 Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) TransUnion is the primary source of this XXXX record, not the courts. 
If TransUnion can not verify the information independently, it must be deleted. 
TransUnion is knowingly reporting unverified information. 

How TransUnions Actions Have Harmed Me : Denial of credit approvals that I was otherwise eligible for. 
Higher interest rates on loans and credit cards. 
Inability to obtain necessary financing for personal and business needs. 
Financial and emotional distress caused by TransUnions negligence. 

TransUnions actions violate federal law and require regulatory enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2019 my wife and I attended a timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX, NV. We were originally told we were being contacted by XXXX XXXX XXXX XXXX ; in which we later found out was actually XXXX XXXX XXXX to attend the presentation. 
As we ended the completion of the timeshare presentation I let XXXX XXXX   Representatives that I wasn't interested and they called over the club manager to try to pressure us into signing up in which I refused. During this period of harassment, I received n important business call and had to step away. When I came back there was a crowd of sales representatives surrounding my wife ( who is XXXX ) was forced by pressure to sign up, who had given them {$XXXX} cash. 
After arguing with them about the stunt they pulled, and refused to return the money my wife gave them, we came to an agreement that they could hold the {$XXXX} to lock in a negotiated sales price, and allow me 72 working hours to make a decision to move forward with the purchase of the timeshare, in addition to paying an additional {$XXXX} as our initial payment, that we were told would be needed to solidify the sales agreement. 
When I called the following Monday to cancel I never got through, so I emailed the company was well, yet heard nothing. Attempted to reach out to them again that Tuesday with the same result ... 
Next thing we know we are being harassed by Allied Collection Services less than 90 days after we last made contact with XXXX XXXX XXXX. Now they have place us in collections for {$XXXX}. 
Problem 1 ) at the beginning of the presentation when asking qualification questions we identified my wife as being XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   without my consent. This is a violation of the ADA consumer protection laws ... 
Problem 2 ) Company never contacted us after multiple attempts to reach them ... 
Problem 3 ) never received anything in writing before being sent to collections Less than 90 days of claimed day we opened the account Problem 4 ) XXXXXXXX XXXX XXXX  fraudulently stated we paid them {$1600.00} to initiate contract when we never paid them. 
Problem 5 ) XXXX XXXX XXXX claimed they were giving us {$XXXX} in free prizes which was misleading & actually cost the consumer over {$XXXX}
Product: Vehicle loan or lease

Credit Acceptance Corporation is fraudulently resurfacing debt on my credit reports that showed as charged off for years as a now open account with late payments to purposefully lower consumer credit report and to fraudulently re-age the debt. This is obvious because the payment amount is showing as XXXX  but it continually reports as late every month.
Product: Credit card or prepaid card

XXXX XXXXfortiva closed a card account of mine that was used to purchase my fortiva alarm equipment, I had paid offthe balance early. The account to my understanding was not set to close until 2026. They than issued me a new card issued me a new XXXX XXXX and account all of this was done fraudulently without my express consent. I called fortiva to find out what was going on as it had lowered my credit score closing and adding a new card and was transferred to different people several times which took a lot of time from my day at work. The last gentleman that I spoke to said his name was XXXX XXXX, I recorded the call from that point on. He was very rude with me when I asked how they opened an account and closed accounts without my consent, he explained that they sent an email ( which I never received ) that me not responding to that email meant that they could open a new account and close the other account without speaking to me or asking me for permission. I then asked him for his name and to repeat what he said and asked him if the actions they arbitrarily took would affect or lower my credit score, he stated it would not affect my credit score at all. My credit score has been lowered a total of XXXX points from this.
Product: Credit reporting or other personal consumer reports

I sent in XXXX written request for the company to remove the unverified account that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable. 

Once again, please PROVIDE proof that this debt is mine. Please provide a signed contract from the original company. Please provide a receipt where i paid off this debt. I do not recognize this debt and it shouldn't be on my credit report. If you all don't provide me the documentation I'm requesting i will take further legal action.
Product: Checking or savings account

On Wednesday XX/XX/XXXX, my car was broken into and my wallet was stollen. 3 unauthorized transactions were done for a total amount {$700.00} by the same merchant. When I noticed they had stollen my wallet, I immediately called Chime to advise them of these unauthorized transactions but they said the transaction had to settle first before anything could be done. I filled a police report to XXXX XXXX the next morning which was XX/XX/XXXX, and contacted Chime with the police report number after the transaction was approved. I began my dispute and provided evidence of the transaction being unauthorized, as they also tried to use my XXXX debit card as well but was declined by XXXX due to fraud. After providing all the evidence i could provide chime sent me an email saying my dispute was not approved and that the transactions were settled. My denial letter did not include anything from Regulation E which states certain information must be included in the denial letters such as terminal location/transaction location, type of transaction ; ( atm, retail pos, online pos ), name of the financial institution that initiated the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.
Product: Credit reporting or other personal consumer reports

Spent over 20 hrs disputing accounts due to data breach and putting fraud alerts on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed an account on my credit report i immediately contacted all parties and the XXXX credit bureaus XXXX fixed the error but XXXX and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
Product: Checking or savings account

Hello, In 2016 I had an account with Wells Fargo, I have a confirmed case of Identity Fraud through the IRS and fraudulent activity was conducted through my account. I disputed and put in a claim through Wells Fargo which I won and some but not all funds were reversed back to my account causing my account to be in the negatives and eventually Wells Fargo closing my account because I did not want to be liable for fraudulent activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my charged off jp morgan chase account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed
Product: Debt collection

A laptop was purchased from Conns and returned within 60 days within the box and not used. I was told by Conns that the Laptop would be sold and I would be billed for the remaining price on laptop once sold. In stade, I received a bill for the entire amount with finance charges of over {$3500.00} dollars. I made an offer to pay off bill of {$700.00} Dollars since the labtop total price was only {$1500.00} Dollars. Please advise
Product: Mortgage

{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. 
On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my family. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Product: Credit reporting or other personal consumer reports

Was not sure the XXXX XXXX XXXX account was mine or when it got on there. For about XXXX years now, I've been using XXXX to get the correct wording for Equifax to conduct a proper investigation, verification and validation into the XXXX  XXXX XXXX account. I am skeptical because they said they verified by current address and found that I live and have been living somewhere else for the last THREE YEARS DESPITE me sending in my driver license with my current address. They are not verifying or validating anything. Equifax refused to provide how they conduct these validations and verifications.
Product: Mortgage

On XXXX I received a letter from Champion Mortgage that they did not have proof of payment of my XXXX XXXX XXXX. Proof was faxed to them on XXXX. 

I further received notice that they had not received my occupancy status confirmation. That was sent to them on XXXX. 

Also, " on my behalf '' they have paid {$3800.00} for my XXXX XXXX tax and demand full payment by XXXX. This tax is not delinquent and is not even due till XXXX. I received no advance notice of this and do not have an agreement with XXXX to pay taxes, XXXX did not answer my phone call of XXXX and on XXXX a recording stated that they were closed. On XXXX I called and XXXX, from XXXX, confirmed that they had received the XXXX tax information and the occupancy status reports and she would call me about the XXXX tax bill. NO call has been received. 

NOVAD was contacted and information was faxed to them om XXXX. On XXXX I called them for an update. They said they never got the info. It was then emailed to them with XXXX : XXXX XXXX. 

Emails have been going on since then with no progress being made. It is now the due date! 

No company has the right to demand any payment that is nor delinquent.