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

this company is violation my consumer right they are abided b ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I was sent a fraudulent card in the mail by JP Morgan Chase. I called them immediately about the card and it was said to have been marked fraudulent and I was able to place a fraud alert on my credit. I had another incident where someone tried to apply for a card under my name and when I went to file for a police report and called Chase to get information about the fraud card, it was never marked fraudulent so that I could get the hard inquiry off of my credit report. I now have a credit freeze on my credit because of both incidents ( other incident occurred with XXXX XXXX card on XX/XX/XXXX. An application was opened under my name and XXXX  called me about the fraudulent application for their XXXX card. This was marked fraud and has been sent to the state police for a police report )
Product: Money transfer, virtual currency, or money service

I have a person that I was sending fund for them in the XXXX. Both remit companies stop sending my funds without telling me why. This young woman is enrolled in college and need funds by the first of XXXX to continue. I gave them both her name and college so they could check. It was about two months ago that I sent by Remitly and XXXX after Remitly refused to continue to send my funds.
Product: Credit reporting or other personal consumer reports

I keep trying to remove an account from my credit report. XXXX XXXX, account number ends in XXXX. I have been trying to get this account removed since XX/XX/2023 through myequifax.com and through equifax information services. they still refuse to remove the account. I have reached out to equifax and the lender about this. the lender informed me that the account information is reporting incorrectly. I have documentation showing this
Product: Mortgage

On XX/XX/XXXX I made my payment to my servicing company, HomeLoanServ, also known as Idaho Housing and Finance. On the XXXX of XXXX I reached out to just double check that my payment had been added to my account. It had not. I reached out to them via a phone call and email. I got a response back saying the issue would be resolved if I could provide proof I had in fact made my payment. I provided multiple screenshots as well as get the appropriate documentation from my bank. I received no response for a week. I reached back out on the XXXX and was told that this was an issue on their ( HomeLoanServ ) side and that my account would be fixed, I would not be charged a late fee and my credit would not be damaged with a mortgage late. However, they also stated they have no idea where my mortgage funds are, they also said this is happened to hundreds of people in Idaho, they also stated that this is due to the fault of an insecure payment portal tool that they use. They have yet to notify the public of the breach of security, missing funds or make anything correct with the consumers. Where is our money? Why was it not applied to our accounts? Why were we not notified? How many people are being charged late fees for their negligence?
Product: Debt collection

Account info Account name PROFESSIONAL CREDIT SERV Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$64.00} Highest balance - Terms XXXX Months I do not know this account and requested the original contracts between myself and the company showing I am liable for the debt on this account and have not received the requested information. I demand this account be removed immediately and permanently from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 payment reported in 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. 

XXXX XXXX  XXXX 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. 

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

Delete the late payments from my consumer reports
Product: Credit reporting

Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan for some emergency assistance due to assisting my partner with legal issues. The loan was for XXXX $ for an 12 month term. I was under the impression it was being repaid in an affordable once a month payment of XXXX $ and each week XXXX $ is being taken from my account. Making it to where I cant afford rent.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Prepaid card

My card had been declining purchases literally every purchase, over 24 hours I called 2 different representatives and they were unable to resolve the issue. I was told to stop using my card and that it was my fault the purchases are declining.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bureau to inform them that I did not authorize the inquires and that it was fraudulent activitie but they failed to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has locked me out of the ability to check my credit report with them. I suppose I am complaining too much so they LOCK me out. Its been happening for days, just says technical problems after I log in and check disputes. Wow these compmanies get better and better, XXXX XXXX management who just wants to collect money and mess with customers. Will not continue, im a great customer you are bad people!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.
Product: Student loan

I was XXXX at the time when I originally got XXXX XXXX loans ( now Navient ). They gave me multiple private loans one for {$3000.00} with a cosigner and one for {$7000.00} for myself. I was current on my loans for many years. Then in XXXX 2013 was in a serious car accident that XXXX XXXX XXXX XXXX XXXX XXXX I was going from making {$42000.00} a year to making XXXX. Right after my accident my credit plummeted I obviously was unable to pay nothing as I XXXX and learned things such as how to dress and shower myself. All of the other loan companies worked with me and eventually XXXX my loans through XXXX and XXXX XXXX. All except XXXX, they were completely unwilling to work with me on my loans or even lower my payments which was eventually $ XXXX month by then. I told them countless times I was not working, but I im in a VR assistance program ( still am ) trying find gainful employment. I asked them to make payments more reasonable but they said there was nothing I could do. They called so many times. When i was n't able to pay my lower loan of {$3000.00} the continually harrassed me and my cosigner who was also going through a financial difficulty after XXXX her husband. Still the harassing of my cosigner and me continued. They never stopped calling, at times I felt just like XXXX. They were so harassing. When I answered i would say I 'm XXXX I ca n't pay the now {$600.00} they wanted. They also said forbearance was n't an option and I pleaded with them their response was " it 's out of our hands ''. I said again I ca n't pay this stop calling. Still I got XXXX XXXX to XXXX harassing phone calls telling me of my delinquencies and that i needed to pay up. They often changed their numbers including area codes and I told them countless times I was not able to pay. Currently Navient has a charge off on my credit that is increasing monthly and is at the amount of {$17000.00} while i get XXXX and still search for a job - I ca n't pay this! Navient has completely ruined my credit and their shady practices need to be thoroughly investigated.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/23 and realized some information continues to be reported inaccurately which is a consumer law violation. I sent out a certified letter to Experian on XX/XX/23 which was my 3rd or 4th letter trying to correct these errors and personal information. I can provide all certified letters for all previous dispute letters if needed, but Experian continues to avoid fixing these errors. I've received results over the past couple months, and nothing has changed. ( Theyre breaking Federal laws ) 15 U.S. Code 1681e ( 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 about whom the report relates. 
15 U.S. Code 1681i 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

My credit report needs to be complete and 100 % accurate by law. If they are doing this to me, can you imagine all the other people going through the same violations. 


CAN YOU FIX THIS ASAP?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion yesterday to follow up on my dispute with XXXX credit management. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX credit management asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.
Product: Mortgage

Seterus has unlawfully reported 30 day past due payments to credit bureau, they state for the months of XXXX and XXXX XXXX that i was 30 days late, I have bank statements to prove the funds withdrew from my account before a 30 day time period. They also increased my escrow account to increase my payment and given no proof that the escrow balance was out of funds, Seterus has poorly managed my mortgage account, with numerous harassing phone calls, even though I call them and also fax them if I will be several days late in my monthly payment, but I do ALWAYS pay before ever being 30 days late. When I have faxed them as per their website to contact them via fax never once have I received confirmation of my fax, I just continue to be harassed via telephone calls on a numerous daily basis.
Product: Credit card or prepaid card

Got a Capital One Credit card in the mail that i applied for and before I could even use it it got hacked and XXXX worth of charges got put on it from another person that I don't even know that lives in Florida. But in the process of getting that straightened out I went to get a debt consolidation loan to pay off some of my debt and when I went to get the checks to payoff my debts I noticed they gave me a check for my Capital One Card and I told the lady at the loan company that those charges where not mine and I need my money back and she responded that it was on my credit report and it is our rules you have to send the check to Capital One and then they will refund your money. So I went ahead and sent the check and I waited for Capital One to credit it to the account then I got on the phone with the fraud Department of Capital One and told them what happened and after a long 3 month investigation they are telling me that I am not getting my money back. They also said they see that it was fraud but Capital One don't do refunds it is against there policy you have to go back to the loan company and get them to dispute the check. So I did that and the loan company said they will not dispute the check. So I guess I am just XXXX out from the the credit card company. Can you help me with this or tell me somebody who can. Sincerely, XXXX XXXX XXXX you can contact me at XXXX or XXXX XXXX
Product: Prepaid card

This the first time I'm filling this compliant with this company concerning this matter. This was about three months ago that we'll be XXXX XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.
Product: Checking or savings account

Over draft fees and non sufficient funds have taken money from my account!
Product: Student loan

Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.