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

I am submitting this complaint regarding the inaccurate reporting of late payments and balances on my credit report by Experian. 

Experian is reporting late payments for the accounts listed above, including a XXXX-day late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. The creditors associated with these accounts failed to meet this standard, making these late payment marks unlawful.

Despite my repeated disputes, Experian has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. Experians continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. 

Experian has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.
Product: Checking or savings account

My checking account was frozen and I could not access any of my funds after I tried to have an inheritance check deposited. I first tried depositing thru the drive thru but was told there would be a hold on the funds or that I could take the check elsewhere to get it cashed. I tried doing a mobile check deposit and the bank put a freeze on my account stating that the check had already been deposited once. After 10 days part of my funds were released but not all because another freeze was placed on my account as to which led up to the bank closing my account completely without good cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00} :
Product: Student loan

1. Applied for PSLF forgiveness ( XXXX and XXXX ) via the department of education and was never notified of loan forgiveness or payment counts applied to my student loans, despite 1 year of service with XXXX and 1.5 years of employment in a nonprofit organization ( with more pending review ), as well as applicable payment pause payments during COVID-19 relief to be applied to the total payment count. MOHELA has never provided a response to my applications for forgiveness or acknowledgement of its efficacy, and demanded that payment restart on all loans in XXXX and again in XXXX. 
XXXX. Payments incorrectly requested from the borrower, and subsequently made during XXXX due to fear of credit repercussions, have not been refunded or applied to payments required/ restarted incorrectly in XXXX. 
XXXX. Payments made with the Segal Education Award in XXXX have been marked as received and then accepted by the institution ( MOHELA ) but do not show under payment history on the account, and the account has remained in an incorrect past due status despite repeated messages to customer service via message/in writing correct the status after each payment has been made. 
XXXX. After each payment was made in a timely manner with the Segal Education award, I sent a direct message to the institution ( MOHELA ) with the information about the payment made ( date, amount, account number, directions for application ) and the acceptance date from the institution, as well as documented receipt of payment and acceptance. Each message asks why said payment was not yet posted to the account though it was documented as received by MOHELA. MOHELA has responded each time and stated that they had not received the payment, even when provided with documentation showing that they had, including that the date of acceptance proceeded the payment due date, making the payment timely in both its submission and acceptance. MOHELA has continued to leave the account in past due status for nearly 90 days, with no payments applied, even though payments were and are being made in a timely manner and accepted by the institution before the payment due date each month. This has occurred in XX/XX/XXXX, XX/XX/XXXX, and for the pre-payment made for XX/XX/XXXX. While XX/XX/XXXX was paid directly via bank account, MOHELA has incorrectly claimed that this was an application of the education award, though the payment history shows otherwise. 
XXXX. At this point, I am concerned MOHELA will attempt to damage my personal credit claiming payments have never been made, though documentation of payments made, dates of receipt and regular messages have been submitted to correct this issue. Customer service has continued to provide incorrect information or no information, and has no information available on their website indicating the proper process or timelines for submitting repayment using the Segal Education award via XXXX ( XXXX ). Customer service has also submitted incorrect information in response to my inquiries, claiming payments were applied from the education award when they never have shown as applied on the account or as part of the payment history.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}
Product: Mortgage

I've been working with my attorneys and my servicer SPS on reinstating my mortgage. SPS sent me a letter in XX/XX/2020 stating I have until XX/XX/2020 to reinstate my loan buy paying $ XXXX and that they replied to the complaint that I submitted here where they stated that phone call I had with XXXX on XX/XX/2020 did not violate any of their rules. The conversation I had with XXXX is where he suggested I pay $ 16k+ and he would try and reinstate the loan but couldn't make any promises. But he couldn't put that in writing. How is that not questionable? I make a large payment but that means nothing because he doesn't and/or can't put it in writing. Then I check my county 's website and there are documents filed by SPS ' attorney 's selling my home on XX/XX/2020. Their attorney also sent me a letter which I received XX/XX/2020 for a payoff quote, and the date to submit the payoff quote was XX/XX/2020! I had less than 24 hours to even send in a payment. Today, XX/XX/2020 I check the website again, and their attorney 's have filed paperwork again to submit a sale date! I have until XX/XX/2020 to reinstate according to SPS 's letter. I also received a phone call from SPS today, XX/XX/2020 asking me if I would like to reinstate, I told them I would and my attorney 's would contact them shortly. Nevermind that they called me while I am at work. Every time they do this, my credit gets dinged. I am trying to rebuild my credit so I can refinance. I would like to get away from this servicer. If you would read the numerous complaints and federal court cases, you will see their tactics. As I continue to state, their parent company, XXXX XXXX continues to get in lawsuits especially with the US government. I can't have people calling me several times a week every time their attorney 's set a sale date ( I question how they even received my phone number. I'm pretty sure their attorney has something to do with it ). They violate numerous consumer protection laws. And then they 'll drive by my house slowing down and taking pictures. They will always say they have a right to inspect my home, but based on the law, if they are in contact with me and know the home is occupied, they are not to inspect the home or charge for those. They have charged me {$75.00} for this inspection, and they always state it's for the noteholders interest. We have no clue who the noteholder is. We know that XXXX XXXX is the trustee. I've repeatedly asked for the policy that they refuse to submit. They simply say they have that right as the servicer. According to the law, they don't have that right. I am interested in reinstating my mortgage as I am a single mother of XXXX and don't want to be homeless. This company clearly has no intentions of helping anyone since this administration took office. They are dead set on taking my home and no way of helping me. If XXXX XXXX  is merely the trustee, then why is their name on every foreclosure? They aren't the trust or the note holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.
Product: Prepaid card

I have a 'digital " prepaid American Express gift card.

I have tried several large 'online ' merchants to use the card but consistently. 

AMEX states on their website, it can be used " anywhere '' which is factually, 100 % wrong. 

Merchants, for example, XXXX, do NOT work with this card. 

I am requesting the dollar value of the card either in a check or via XXXX.
Product: Credit reporting or other personal consumer reports

A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid XX/XX/2018 Trans Union in one day took 38 points off my score. I have tried several times to find the reason they took off the 38 points and Trans Union has no reason why the large number of points were taken off in one day. I can understand why a small amount of points might shift, but 38 points without any reason is not fair. I have never been late on a payment and my 25 % utilization rate is good. 
Give me back my 38 points!
Product: Debt collection

Brown|Olcott a collections agency sent me a demand letter on XX/XX/2020 with an incorrect debt amount. ( attached ) ... ... ..

Within the 30-day dispute window, I sent two dispute emails ( attached ) to them, but never got a response as required by the FTC FDCPA. The FDCPA requires the collection agency to cease collection activity while disputes are unanswered. It persisted without resolving the debt discrepancy ... ... ... 

The amount demanded was not delinquent on XX/XX/2020 and included amounts already paid, not yet past due, not yet invoiced, and associated with a recurring monthly fee that had never been delinquent. ( annotated creditor statement attached ) ... ... ..

Brown|Olcott filed a lien against my property and refused to remove it, despite all creditor 's invoices being paid directly to creditor. ( Creditor accepted payments in breach of its collection contract. ( attached )
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance w

ith 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy and 15 U.S. Code 1681e ( b ) - Compliance Procedures to Assure Maximum Possible Accuracy of the Information. Upon reviewing my credit report, I identified an account that may be in
accurately reported. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. 

In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Checking or savings account

On XX/XX/XXXX I disputed a transaction from XXXX in the amount of {$100.00}. This has been the second month XXXX had taken money out of my account without my authorization. On XX/XX/XXXX I disputed a second charge with XXXX in the amount of {$81.00}. I put a complete block on XXXX. I made both disputes by telephone and was told by Bank of America that I would receive a temporary credit for both. I had obviously contacted the merchant regarding this and there have been ongoing complaints. BofA credited the {$81.00} but failed to credit the {$100.00}. I called numerous times to explain that I have a XXXX child, and I have to budget. 
XXXX located the transaction of {$81.00} and they refunded it. Upon them refunding it, I callled BofA to tell them this and to cancel that claim. They had put the claims together. on XXXX, BofA took back their temp credit of {$81.00}. I was still yet to receive the {$100.00} and had to escalate it several times. On XX/XX/XXXX, they finally gave the {$100.00} but i noticed that they had taken {$81.00} again. Upon calling them and waiting almost an hour on hold, I had to endure an advisor who couldn't grasp the concept that the temporary credit had been debited from my account twice. She tried to say that the claim had been reduced because the merchant credited the account. That does not justify why BofA took a credit that they provided of {$81.00} back twice. They did not provide me with two credits and the merchant credited it because it should not have been taken in the first place. She seemed to be confused and not know the difference between a merchant credit ( of money that shouldn't have been taken in the first place ) Bank of America provided one temp credit of {$81.00} and debited that same amount twice. This has left me in severe financial hardship and they are telling me that I have to wait to get the money back that they took in error.
Product: Credit card or prepaid card

someone opened this account with my information and I tried to get this removed already
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.
Product: Credit reporting

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections below : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Issue : The reported late payment on this account is inaccurate. There was never a late payment on this account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal.
Product: Mortgage

This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint number is : # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WENT TO CAR DEALERSHIP AND THE DEALERSHIP PUT MORE INQUIRIES THAT I DIDNT APPROVE, HARD INQUIRIES ON REPORT,
Product: Consumer Loan

I leased a XXXX XXXX XXXX. I returned it in XXXX XXXX to purchase the XXXX XXXX. I owed them nothing because they financed the new car for me at 3.9 %. which I 've since paid off also. I have been trying to get this off my credit report since then. today I applied for a home equity loan and was advised that this was the reason I was turned down. Ive called the dealer where I 've purchase the car. i 've called Infiniti credit and I ca n't get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX  account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the Experian app, which also showed a shortened credit history, even though the credit report Experian mailed to me also showed the Regions acct. opened in XXXX. Experian gave an Escalation # XXXX on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither XXXX, XXXX, or Experian claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of Experian or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the XXXX Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use Experian for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXX Rewards Card, and especially the Experian XXXX, including their mobile app.
Product: Debt collection

I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i swnt the company letter asking them to verify the accuracy of the account and to sen me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.