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

I am filing this complaint against Pentagon Federal Credit Union ( PenFed ) regarding their failure to comply with 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

Account Details : Account Number : XXXX Credit Reporting Agency : XXXX, XXXX XXXX XXXX XXXX XXXX 

Nature of the Complaint : XXXX XXXX XXXXPenFed reported incorrect late payments on my credit report without notifying me as required under 623 ( a ) ( 7 ) of the FCRA. This failure has led to significant harm, including health issues, XXXX XXXX, and a major decrease in my creditworthiness.
Product: Mortgage

XX/XX/2022 my mortgage was purchased by Mr.Cooper. I typically pay my mortgage in XXXX partial payments. My XX/XX/2022 payment was the first payment to go directly to Mr. Cooper. I paid as typical. in XXXX partial payments, which was never an issue with my previous company. Mr. Coppers website and app has partial payments as an option. I was charged a fee in XXXX because according to Mr. Cooper although my payment ( and additional {$150.00} in principal I paid ) went towards an unapplied funds account. I called Mr. Copper 14 times and couldnt get through on their phone system. I emailed the company three times and received no response. I had to take a day off of work, to stay on hold for 2 hours in order to speak to someone from Mr. Cooper. Finally Mr. Cooper reversed the fee, and applied the funds correctly- BUT Mr. Cooper reported to credit companies that I did not pay my mortgage AND they placed my additional principal payment of {$150.00} towards a forbearance payment. I have never ever been late with a mortgage payment, and have excellent credit. I want this company to be addressed for reporting false information about me to the credit companies. Furthermore, Mr. Cooper does not answer their phones for hours and never reply to written inquiries or requests. The representative I spoke with stated he submitted an investigation request. It has been two weeks, and I still have no response from the company. I was only able to reach a representative after 14 prior attempts to call them. I was unable to wait on hold longer than 1 hour those 14 times. I had to take a day off to wait on hold for 2 hours to speak to a representative. These are poor business practices and failure to respond to written complaints, in addition to reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and ExperianXXXX XXXX, and XXXX correct and remove this inaccurate info from my credit report.
Product: Debt collection

Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once.
Product: Credit reporting or other personal consumer reports

i am filing this complaint regarding an inaccurate item on my credit report thats continues to have an negatively impact my credit. despite my efforts to resolve this directly with the reporting agency it remains unsolved. i request immediate and removal as it is incorrect and does not reflect my tyre history
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies.

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX  Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice
Product: Debt collection

On XX/XX/XXXX I agreed with Capital Management Services L.P. to settle my debt with XXXX XXXX. This was a debt I owed with XXXX  with a XXXX credit card. The total amount owed was {$2300.00}. However we settled for XXXX payments of {$500.00} on XX/XX/XXXX, {$740.00} due on XX/XX/XXXX and {$740.00} due on XX/XX/XXXX. 

I made all these payments however, XXXX XXXX failed to tell XXXX XXXX that we agreed on a settlement amount. XXXX  says they see I made payments however that there is no settlement made. When I call both companies, they simply tell me to call the other. My credit report states this account is charged off and the total balance is still owed. Even though they tell me they can see that payments were made. They have not updated my credit since XX/XX/XXXX to reflect the payments they agreed they could see. 

This account should show Paid for less than the total amount due, but instead shows as a negative charge off. However both companies agreed the payments are shown. Capital Management agreed to a settlement and has not honored it. It has been XXXX  months since the agreement was made and XXXX  days since the last payment was made. and a year since it has been updated. Both companies said it can take up to XXXX  days. We are past both.
Product: Credit card or prepaid card

I have a Chase Visa card with JPMorgan Chase Bank, N.A. I generally pay my card balance completely on the Statement Payment Due date on-line, using the Chase website. Relying on the Chase website, I clicked on " pay card in full '' option on XX/XX/XXXX ( my statement due date ). The website informed me that my statement balance was paid in full. 

On XX/XX/XXXX, I received my paper statement that showed {$120.00} in interest charge. I called Chase customer service and asked for an explanation. I was told that if there is a purchase pending, even if it DOES NOT SHOW UP ON THE CHASE WEBSITE, it attracts interest, and interest is charged for that purchase and any new purchases between XX/XX/XXXX ( my Payment Due date ) and XX/XX/XXXX ( my Statement Close Date ), as well as other purchases during the Statement period. 

The total amount of purchases on my card from XX/XX/XXXX to XX/XX/XXXX was {$410.00}, but interest was charged on {$11000.00}, amounting to {$120.00} When I asked Chase customer service how I could avoid this problem in the future, she told me I could select " automatic statement balance payment '' from my mobile device. I declined.

I asked why I could not rely on the Chase website to accurately show the amount to be paid on my Payment Due date to avoid such interest charges in the future, she had no answer. I suspect that other credit card companies do the same thing with with on-line payments. In the best light, the Chase website is misleading, in the worst light, it is fraud.
Product: Debt collection

XXXX XXXX XXXX is alleging I owe them a debt I do not. The debt has been canceled with the IRS and reported as income. XXXX XXXX XXXX can not collect on a canceled debt this is federal law furthermore I have no obligation to pay this debt and they need a court order to get me to pay.
Product: Mortgage

House damaged in tornado XX/XX/XXXX. Insurance company assessed damages and issued check for repairs XX/XX/XXXX. Mortgage company has had endorsed check and documents they requested via letter since XX/XX/XXXX. Sent confirmation email to us XX/XX/XXXX confirming all doc 's received and review process started. S/W someone in the Loss Drafts Dept on XX/XX/XXXX who confirmed review process was completed XX/XX/XXXX and disbursement check ( first of several to be made ) would be issued within 10 business days. Check should have issued by XX/XX/XXXX. Called company XX/XX/XXXX to check status-was now told something else ; asked to speak with Supervisor-was given a name and told they would call me back. No call ever received. Called company again XX/XX/XXXX and spoke with a Supervisor-was assured they had authorization to issue the first disbursement within 2 days ( by Fri XX/XX/XXXX ) and was mailing it Priority Mail. Check has not been received. I have sent 3 emails and called and left messages - not getting any response from anyone. Mortgage company has had our repair funds for 30 days - we have been out of our home 2 months and 11 days and no repair work has begun because we can not get the money for repairs from the mortgage company. When you call their Customer Care line in the Loss Drafts Department, the usual wait time for someone to pick up the call is 15-20 minutes.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 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. 


XXXX XXXX XXXX XX/XX/2024 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, credit repair services, or other personal consumer reports

I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose I have contacted Experian multiple times informing them of this, and they too have failed to verify these inquiries Since neither Experian or the creditors are able to provide this proof, I am requesting that was hey be removed
Product: Debt collection

This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.
Product: Credit reporting or other personal consumer reports

I have a current credit card account with CapitalOne that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I reached out to CapitalOne and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.
Product: Debt collection

On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US XXXX XXXX  since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of personal information on my credit report. After reviewing my credit report, I have identified several inaccuracies that require immediate attention. I kindly ask for your assistance in rectifying these errors to ensure the accuracy of my credit profile. 

XXXX. Employment Information : Correct Employment : XXXX XXXX Incorrect Employment : XXXX XXXX Request : Please remove the incorrect employment information listed above and update my profile to reflect only my correct employment information. 

I understand the importance of accurate personal information on my credit report, as it directly impacts my financial well-being and creditworthiness. Your prompt attention to this matter is greatly appreciated. 

If you require any further information or documentation to process these corrections, please do not hesitate to contact me at XXXX or XXXX Thank you for your assistance in resolving these discrepancies. 

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

On XX/XX/2023 I sent out a dispute letter to Equifax disputing multiple items that I had discovered on my credit report to be in accurate. I have yet to receive any form of communication from the credit bureau that investigation has been open per my request to re-investigate these items in question. Under federal law, the credit bureau has 30 days to complete this investigation which they have failed to do so.
Product: Mortgage

CenterState Bank XXXX XXXX  sold my Mortgage in the amount of {$360000.00} to XXXX XXXX company in XX/XX/2020. However, CenterState did not release the mortgage and close the account, so BOTH mortgages are showing as active loans. That means that according to my credit report, I have over {$760000.00} in mortgage loans ( two loans on the same house ), and double the monthly payments ( one for each loan, although CenterState should show {$0.00} ).

I have attempted to call CenterState Multiple times. Each time I get passed around to different departments, and eventually am told they need to investigate it and get back to me. I have been trying to fix this for a year.

This is ruining my credit, as it makes my debt-to-income ratio unacceptable. It has also caused my credit score to drop at least 80 points. I have been unable to get
approved for even the smallest loan or credit card. This has impacted me financially in a quantifiable way, as I am renovating a house to list for rent, but I can not complete the repairs because I can not get the materials I need. Every month they stall costs me at least {$1500.00} in income I could be getting on the rental house.

I need CenterStage to close my mortgage account which they sold to XXXX a year ago. It's unacceptable and damaging to hard earned excellent credit.
Product: Debt collection

I'm trying to fix my credit and I call JPMCB-Auto Finance `XXXX chase bank '' to find out about my acct to negotiate because they still have the car title. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue, they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XX/XX/XXXX. I ask about the car title they didn't want to give me information about it either. agents I talk was XXXX Id # XXXX XXXX Id # XXXX. I check all 3-credit bureaus in all 3 bureaus have different dates and different address on this company.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, XXXX has been reporting that home equity loan has been paid 30 days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been 30 days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter requesting an additional 15 days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.
Product: Debt collection

Ive made multiple attempts to rectify an alleged debt currently shown as in possession of XXXX XXXX XXXX. The amount shown as owed from the original creditor is 5x the amount of any known potential charges and nearly double that of the card limit. In an effort to ensure there were not fraudulent charges on the account Ive requested MULTIPLE times to have the amount validated. Ive formally disputed the amount and requested proof of amount owed and repeatedly it goes nowhere. 

Jeffersons solution was to sell the debt without notice to yet another debt collector. A fact I only found out about when after MONTHS of attempting to correct and resolve I wanted to settle the account as its continued life being parked on my credit is directly hindering my home purchase ability. 

I received no written notice of the debt sale and have had zero contact from the alleged new debt owners. I only know of the sale due to the notice provided when I yet again attempted to contact XXXX to resolve. Now, because of this absolute joke of a management team Im left in limbo with no way to resolve or remove this from my credit. I still have no proof of the amount owed and even if that werent in dispute there is no way to pay and close the issue due to the mismanagement all around.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # : XXXX XXXX no authorization improper reporting, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and/or not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.