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

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX  card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. 

I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History.

I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This was my follow up to my previous complaint regarding my request to remove the remaining items from my credit reports. Once again, I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft however there were still ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : EXPERIAN : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : 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 ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX
Product: Mortgage

In XX/XX/2019 I applied for a mortgage modification due to storm damage and negative equity ( the mortgage is {$170000.00} and the accessed value is {$74000.00} ). 
I have been unable to rent the property to cover the mortgage amount due to the falling values of property in my area. 
I requested an exception for a forth modification but it was denied. 
A principle reduction and modification would enable me to keep the home I have had for 25 years.
Product: Payday loan, title loan, or personal loan

During this pandemic I was not offer to attached the payments at the end of my loan like all the other companies were during to help during this pandemic. Our county is number three in the state with this outbreak. A lot of people are still unemployed. I owe for this month and last month which is {$750.00}. He said if I don't come up with the money it will be turned over to their legal agent. I can see if there was not a pandemic going but times are hard right. We were order to stay at home shelter for two months from XXXX XXXX XX/XX/2020, order by the mayor and governor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is " verifying '' an account that was closed over 12 years ago. I also included it on my Bankruptcy 9 years ago. It had a {$0.00} balance. So it was on my Bankruptcy in XXXX and it was closed in XXXX. There it is on their credit report! They are liars. They have it was verified XX/XX/XXXX. NOT POSSIBLE. My bankruptcy was Discharged in XXXX. NOT XXXX. Impossible. 100 %. They are just making up dates since they don't know. Remove this. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$120.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments -
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Mortgage

I called CitiMortgage to make a payment on a demand letter I received XX/XX/XXXX. The letter stated I needed to call to make a payment of approximately {$3600.00} on my account on or before XX/XX/2016 to prevent further foreclosure action to begin on my loan. I called that day and a gentleman answered. I was on the phone for nearly 30 minutes and he had no idea what he was doing. I explained my situation and he could n't find the demand letter to understand what payment I was trying to make. The gentleman obviously worked out of XXXX. I asked on multiple occasions to transfer me to someone who was knowledgeable to ensure that my payment was made on time. He finally agreed to take a payment, and transfer my call. Upon " taking my payment '' he proceeded to transfer my call. The line disconnected and I could n't stay on the phone another thirty minutes so I did n't bother calling back that day. About a week or so later I noticed the funds had not been withdrawn from my checking account so that prompted the additional call bck to citi mortgage. The lady I spoke to proceeded to advise what I would need to do to take care of payments on my loan. She stated based on my loan payment not being processed before the expiration of the deman letter my loan had been pushed into pre foreclosure status. I called to make a payment, I should not be penalized because of the gentleman who did n't know how to do his job. I want any subsequently delinquency notices to be stopped and negative reporting to be corrected.
Product: Credit card or prepaid card

On XX/XX/2022, my card with Ollo was charged {$660.00} from XXXX. I called into Ollo on XX/XX/XXXX, and told them that I did not authorize the transaction. They did a temporary adjustment, cancelled my card and sent me a replacement. 

On XX/XX/2022, they recharged my card for the {$660.00}. I called back into Ollo customer service and they said that they declined the dispute because I kept using the card after that specific transaction which I did not. 

They had sent me a NEW card that I was using since I called in about that charge, but I did not use that card with the disputed transaction since it was lost. My credit limit for the card is {$1000.00}. When they allowed that charge, the balance was {$960.00}. After the charge, the balance was {$1600.00}. I have been paying XXXX XXXX XXXX XXXX  every month and have not been able to use it since they recharged the account with that charge in XXXX. 

They are calling me everyday because the payments I have been sending since XX/XX/2022 are not enough for the {$1600.00} balance. But I did not authorize that charge nor did I have a rental with XXXX. They have been charging me $ $ $ late fees every month and are now reporting to the credit bureau that I am late on payments. 

XX/XX/XXXX {$27.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XXXX XXXX charge of {$660.00} needs to be reversed because I did not authorize the transation. & I'd like the late fees and interest to be refunded to the card and the mark on my credit report removed.
Product: Student loan

I have an automatic payment set up through my bank. The payments to Navient are made a week before the due date. For this month, in the five years since I 've been making payments, Navient sent me a notice that my loans were all past due. I called them to verify payment had been sent/received and their records indicated they had not received anything. They also looked through their " lost and found '' and could not find a payment matching the amount and date it was sent. I called my bank and they verified the payment was sent and it went through. I am currently in the process of fighting with Navient to fix the mistake on their end and remove the past due notice on my student loans. My bank has sent over the required " proof '' indicating the payment was made in full and on-time.
Product: Credit reporting or other personal consumer reports

When I started the course and the year XXXX I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it
Product: Debt collection

This complaint is for TransUnion, according to fair credit reporting act ( FCRA ) section 605B. It's illegal to report information on my credit report without my permission. TransUnion needs to please remove this item from my credit report immediately Any negative item that a company that a company reports to your credit report without your consent is considered identity theft and fraud. 

I did not give permission to child support to put anything on my credit report Offeree is the principle secured party creditor as an American and executes his offer with his restrictive endorsement : " All Rights Reserved - Without Prejudice By : ( XXXX XXXX ), U.C.C. 3-402 ( b ) ( 1 ) authorized representative with the United States being the obligated party. ''
Product: Credit reporting or other personal consumer reports

Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

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

Filed a dispute for incorrect items on my credit report, its over 30 days and i havent received any investigation results.
Product: Debt collection

The company CACi is trying to collect without proving I owe debt. It belongs to someone with similar name. Not my debt and I will NEVER pay it. They havent showed proof they can collect in Texas and they didnt give me a full 30 days to dispute before they placed it on my credit! They are violating my rights! I was affected by the natural disaster COVID 19 too.
Product: Student loan

I graduated in XXXX from XXXX XXXX at XXXX with several student loans. I consolidated these in XXXX when I was at XXXX completing my XXXX fellowship. XXXX XXXX was assigned as my loan servicing company. I became aware of and was advised by XXXX XXXX that I would qualify for the " Public Service Loan Repayment Program. '' The representative from XXXX XXXX told me that I should restructure my payments and that after 120 total payments dated from the consolidation of my loans that my loans would be forgiven. They arranged a payment program that was to end in XX/XX/XXXX and that at that time I would be eligible to apply to have my loans forgiven. I was shockingly advised however by Navient this Monday that after all of these years of my paying them, that I am NOT eligible and that I would need to apply for another type of loan called a " Direct Loan '' to be eligible and that another 10 years of payments and service would be required to become eligible! This was shocking and I immediately requested speaking with a supervisor. I was told that none of the payments that I have made to date will count toward the Loan Forgiveness program as we had been told previously by XXXX XXXX. I am told there is no appeal process of any kind and that my only option is basically to start over. This is a financial blow to our family of enormous consequence. We have been planning our retirement, our children 's college education and my employment decisions around this program that I had been falsely assured I was eligible for. It is not appropriate for a company who has a financial gain to be giving misleading advice that they may benefit from while the individual doing the public service in good faith has no recourse. I found online that many other persons are experiencing this and that a lawsuit is apparently the only option for those of us who have experienced this shock. I have never sued anyone previously in my life and am writing as surely there must be some means of appeal and investigation. Please contact me at your earliest convenience to let me know what options may exist for our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Tengo una queja contra  la compaa  ATLANTIC CAPITAL BANK SELFLENDER Acabo de sacar mi informe de crdito y descubr que se inform un pago atrasado en mi cuenta. Solicito en virtud de CARE ACT una adaptacin porque me afect COVID-19, actualice la informacin tarda para el 09/2020 y el 10/2020 Le agradecera mucho si pudiera cumplir con esta solicitud de eliminar el retraso de mi informe crediticio. Me ayudara enormemente a obtener otras lneas de crdito para poder mejorar an ms mi puntaje crediticio. eh enviado varias solicitudes
Product: Mortgage

My second mortgage account ( a downpayment assistanceloan ) was incorrectly reported in forbearance as of XX/XX/XXXX. I have never requested a forbearancenor would I ever need one on this account as it is a no-interest, no monthly payments due, and does not need to be paid until a refinance, sale, payoff, or XXXX. This was discoveredby another bank during a prospectiverefinance at the end of XX/XX/XXXX. 

I have requested this be corrected multiple times over the past month ( or more ) via phone of the bank 's ( XXXX Mortgage ) customer service line but have yet to be successful. I've also been reassured multiple times by customer service agents that this was under investigation ( which would take up to 20 business days, initiated on XX/XX/XXXX ) and, as of XX/XX/XXXX, that investigation was completed. The representative I spoke to on XX/XX/XXXX, told me that it was only investigated for XXXX and not all of the credit bureaus, even though I requested, multiple times, it to be investigated and corrected for all bureaus. The representative that I spoke to on XX/XX/XXXX, said that there would need to be anotherinvestigation with another 20 business day lead time. 

I also attempted to get a letter from the bank stating this account was never in forbearance and that it was in good standing so that the bank I was attempting to refinance with could continue the refinance while the credit report was updated. This letter was requested on XX/XX/XXXX. I received the letter on XX/XX/XXXX, but it was incredibly vague and was full of grammar/spelling errors. The substance of the letter is as follows : " We can confirm that for you loan ending in XXXX there was in forbearance on that account. That account is currently considered current and in good standing. '' This was not able to be accepted by the refinancing bank. Upon contacting the bank 's customer service I was then told that I would need to wait until the completion of the investigation mentioned above ( expected XX/XX/XXXX ) before they could issue a letter stating that the account was never in forbearance.
Product: Debt collection

I entered into a settlement agreement with XXXX XXXX  XXXX XXXX Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/. I then received a letter stating that the account was paid off as agreed and the account was closed. Then earlier this year I was contacted by Midland Credit Management collection agency saying that I owed them for the unpaid XXXX account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.