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

My account with NR/SMS/CAL AND 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! XXXX XXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. NR/SMS/CAL AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( XXXX )
Product: Credit reporting or other personal consumer reports

This is the letter I wrote to them requesting removal of two accounts they were reporting.

I am writing to dispute inaccurate information on my credit report. The account in question has several errors that need immediate attention : Incorrect Date of Closure : The reported closure date is inaccurate. The account was paid off and closed years prior to the reported date.

Negative Reporting on a {$0.00} Balance : Despite a {$0.00} balance, the account is still being reported negatively. This is unjust and misleading.

Expired Reporting Limitation : The account should have been removed from my credit report as it has exceeded the seven-year retention period. 

I kindly request that you investigate and correct these discrepancies promptly. Accurate reporting is crucial for maintaining a fair credit history. Please provide written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that XXXX XXXX XXXX reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by XXXX XXXX XXXX, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.
Product: Credit card or prepaid card

My cash app card was lost ... Once i got my replacement card in the mail i tried to activate said card to access my money and it wont let me. I have made several attempts via their support system and emails ... No responses or any kind of solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

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

I have a account from XXXX  on my credit report that was removed and now reaped on my report with a incorrect date and should be removed as it was removed by the company before
Product: Credit reporting or other personal consumer reports

All the following accounts were already closed by the law under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXX XXXX. It is ordered a discharge under 11 U.S.C 727. Now the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was transferred to LoanCare in XXXX. My payment remained the same as when I closed on my house in XX/XX/XXXX. My XXXX statement stated they were raising my mortgage payment {$510.00} due to a shortage which after I looked at the escrow analysis, realized it was because they have 3 tax payments coming out in XXXX for {$8500.00} First 2 people I spoke to at LoanCare stated it was because my property taxes doubled. I sent numerous online inquiry requests for someone to call me. It has been over 3 weeks. I reached out to original loan servicer, they got back to me in 2 hrs, told me to contact tax accessor for my county. Called XXXX XXXX Colorado XXXX XXXX, my property taxes only went up {$400.00}. They also told me to tell LoanCare that my XXXX tax bill is still not paid and now has accrued interest. I checked my payment history and LoanCare shows they paid these XX/XX/XXXX. Obviously a lie. I called LoanCare back and they told me they would forward my issue to escrow department and I would have an answer by XX/XX/XXXX still have heard nothing. I paid my mortgage payment per the amount stated during my XXXX statement as well as the website. Now it says I am passed due 9 days and the amount due is totally different than my statement. I don't know where they are getting their numbers from but if I can't talk to someone and I can't afford a payment increase of {$500.00}, I will lose my house and it is absurd that my mortgage company will not contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on XXXX XXXX and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Debt collection

I received a debt collection letter from Southwest Credit XXXX for XXXX violations that were supposedly obtained in the XXXX XXXX XXXX XXXX XXXX The fee 's are for {$58.00} and {$56.00}. No notice from XXXX or XXXX was sent to me for these violations, as they should before submitting to a debt collection service. I have not used XXXX XXXX since the summer of XXXX and any fine 's attached to the vehicle in question were paid in FULL directly to the XXXX to resolve suspension of the registration. This vehicle has not been in my possession since the summer of XXXX due to it being totaled in a roll over accident in the winter of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports to find that College Assist sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.
Product: Mortgage

This has been a lengthy process. The estate was filed prior to the foreclosure. The court authorized me as the personal representative of the estate to sell the home. We contested the foreclosure and were scheduled for a hearing on XX/XX/XXXX2025. The bank and its attorneys postponed this hearing for reasons unknown. The judge has not ruled on our objection to the foreclosure. On XX/XX/XXXX 2025, I contacted the XXXX XXXX XXXX XXXX XXXX to inquire whether the foreclosure had been rescheduled. I was informed that the bank has not pulled the foreclosure sale yet. To my knowledge, they have not rescheduled the hearing regarding our objection. I have an attorney who has been attempting to communicate with their attorney about a payoff and is working with a potential buyer, but they have not responded to us. The bank ( US Bank ) is not the first XXXX holder ; HUD is. They were originally the first  XXXX holder but became the second lien holder in XXXX. I spoke to US Bank on or about XX/XX/XXXX, regarding this property. US Bank refused to speak to me because I have an attorney. They would not provide any information until I mailed all the successor information and deed documents to them. All I needed was information from the bank, but they wouldn't accept an emailed signed court order. In fact, they didn't ask for the court order at all. I sent the successor forms to my attorney on XX/XX/XXXX, that US Bank requested I complete. So, if the attorney won't communicate with my attorney and the bank won't speak to me due to my attorney 's involvement, how are we supposed to resolve this matter? They are not working with us to cure this mortgage. There are financial matters in this estate that could be settled through a sale instead of a foreclosure. I filed a complaint with Colorado 's Attorney General 's office on XX/XX/XXXX, and they currently have my complaint on file. They recommended that I reach out to your organization for assistance.
Product: Credit reporting

In XXXX I requested my XXXX free reports, and was told my info did n't match, so I would have to request them by filling out a form. I did this, and XXXX of the bureaus sent my free report, but Experian responded that they could not identify me, and that I should send them a copy of my state ID card and my Social Security card, which I did in XXXX 2016, but I never received my report from Experian, nor any response at all after I sent them the requested documents. I tried calling their customer service number, but wading through their phone tree does n't get me to speak to a live person, so I have no idea what to do. I really need the report, because I believe it is incorrectly showing a student loan as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Debt collection

This agency is infringing on my consumer rights by misleading, false, and deceptive tactics. I have explained to them many times that there should no balance since the phones were returned as requested by sprint. 

This Company is breaking the law by failing to provide proper validation details as required under 12 CRF 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report for over XXXX years.
Product: Credit reporting or other personal consumer reports

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : Discover Financial Services XXXX, XXXX XXXX. 

XXXX : Discover Financial services XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : Discover Financial Services XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights. 

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

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM TARGET THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Product: Credit card

I paid my credit card bill off in full back on XX/XX/year> for over $ XXXX. It turns out US Bank diverted my payment to new charges I made and did not allow that pay off to pay off the longstanding extend pay I had. That came from 2 representatives on a recorded phone line. 
They both said the money was put to new charges and did not pay off the extend pay. The supervisor said it was because I was " locked in '' to the time frame of the extend pay. 
Why does the gov allow these despicable companies to do this - to divert my money to charges that were brand new instead of paying off the extend pay so US Bank can get an extra {$3.00}? 
Poor poor US Bank- maybe one day these XXXX people will finally have enough money after they have robbed us of all of ours. 
And XXXX you US Bank for your awful customer service- as usual!! 
Too bad you're not investing all of the money you've stolen from your customers into training your XXXX staff. 
I want my {$3.00} back!!! 
Also, the company has a history of fraudulently charging interest when I have paid my bill in full every month. 
They have had to reimburse me twice- and it's probably happened more than that since this company is clearly despicable, unethical, and criminal.
Product: Credit reporting or other personal consumer reports

Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to XXXX in XX/XX/2023. However, two of my reports ( XXXX, XXXX  XXXX XXXX, and Experian ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and credit.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted XXXX XXXX to let them know that I was not paying this account. Under Federal Law 15 USC 1692c they are required to remove this account from my credit report. They have not removed this account yet.
Product: Payday loan, title loan, or personal loan

I have paid off my loan for XXXX in full and have tried to cancel my " membership " in Moneylion so that I can be refunded the money owed to me from membership fees which are supposedly held for me as an investiment. But I am either unable to reach the company by phone or email and when I finally do reach them after spending literally 90 minutes waiting on the phone, I am told that I can't cancel my membership until pending charges are processed. I was told that this would happen by XX/XX/XXXX but when I reached them they keep procrastinating and refusing to cancel my membership. According to my accounting, besides paying the loan and interest in full, I paid an additional XXXX as membership fees which are supposed to be refundable when I cancel my membership. Because I already withdrew XXXX, I should be owed XXXX. Instead I was told that I would be refunded XXXX This is fraud and not right. I want my membership cancelled immediately and I would like to be refunded the XXXX owed to me. 
Thanks
Product: Mortgage

Re : Watermark Capital LLC Earlier this year I was notified by Watermark that mortgage payments should be sent to a different Watermark company called Watermark Capital Inc. starting XX/XX/XXXX. Previously, I made payments to Watermark Capital LLC. I made this change prior to XXXX and the new account number was applied to the autopay information at my bank. In error, my bank still sent payments to the old Watermark Capital LLC address, but the bank did have the new correct new account number. 

All payments were successfully received by Watermark in spite of having been sent to the old Watermark address. 

My bank confirmed XXXX, XXXX, XXXX and XXXX payments were sent to the old Watermark address. These records of payment from my bank were sent to Watermark on XX/XX/XXXX via email. I was not notified by Watermark that payments were received by the old Watermark. Watermark had to have known this happened yet they say my XXXX and XXXX payments were late yet somehow my XXXX and XXXX payments were not late! 

It is important to note, Watermark 's change from Watermark Capital LLC to Watermark Capital Inc. transition was screwed up - Starting in XXXX Watermark left phone messages saying they had no record of my mortgage insurance, but I actually did have insurance and somehow they " lost '' my information in the transition. After hours on the phone with Watermark and my homeowners insurance company, finally Watermark realized the mistake they had made. This shows internal issues at Watermark during their " transition ''. During this period, Watermark left more phone messages saying there was now an issue with my mortgage payments. I talked to Watermark about this issue several times in XXXX and XXXX trying to resolve the issue. They were supposedly working with me to sort out where my mortgage payments were going. I sent them my bank statements proving they had received my payments. In XXXX, they recognized that in fact they did receive my payments that had been sent to the old Watermark with the new account number. They were totally incompetent and did not realize they had my mortgage payments sent to their company. On XXXX XXXX, XXXX I received 4 individual letters from watermark, all letters were dated XX/XX/XXXX! Each letter said my payment was overdue ; why weren't these letters sent a month age like they were dated. I manually paid the Watermark a second time for the months they claim I was late on XX/XX/XXXX yet the still sent me the 4 letters on XX/XX/XXXX. These examples reinforces my contention that Watermark is totally incompetent.

I have spent approximately 10 hours on the phone ( including being on hold ) with watermark over approximately 8 calls plus 2 hours with my bank. I can not resolve my issues without help from you, I have tried very hard to work with watermark.
Product: Student loan

After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.
Product: Debt collection

On XX/XX/2017 I received a response from a debt validation/hippa request letter I sent to Account Resolution Corporation. They responded with a mere screen print out which does not include contract I signed with the original creditor which is what I requested in my initial validation letter. This company also included medical information that they should have no access to under the hippa privacy laws. I may be submitting an additional complaint pertaining to that matter as well.