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

My account with 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 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!
Product: Mortgage

In  XX/XX/XXXX  I hired  a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed  architect ,  XXXX   XXXX  to draw up plans for the new addition. The  Plans  were finalized and signed by    XXXX   XXXX   in  XX/XX/XXXX .   <P/> Meanwhile I contacte d   XXXX   XXXX   of Prime Lending in   XXXX  , NC in  XX/XX/XXXX  to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in  XX/XX/XXXX .   <P/> The town advised us that we needed to   replace the septic. My current builder   XXXX   XXXX   had no experience septic builds so in  XX/XX/XXXX  I terminated my contractor   XXXX   XXXX   and hired   XXXX   XXXX   friend   XXXX   XXXX   who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds.
<P/>  Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater.  <P/> On   XX/XX/XXXX ,  XXXX  co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans.   The builder,  XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage.  <P/> In   XX/XX/XXXX , I  contacted  XXXX   XXXX  and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact   XXXX   XXXX   for direction un til Mid- XX/XX/XXXX .   <P/> I filed a complaint with    XXXX   XXXX   in  XX/XX/XXXX  but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in  XX/XX/XXXX  when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i had Chase credit card. i had couple missed payment and called them to begin making payments. they closed my bank account and reported settlement on my account. 
i didn't make any settlement plan or anything with them and they did not notify about this settlement. 

Lender : JPMCB CARD Settlement amount : {$7900.00} Date status reported : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.
Product: Credit card or prepaid card

Around XX/XX/2022 I was online searching for a set of new tires for my truck. Since Our company has a gas card from XXXX XXXX, we were advised to use XXXX XXXX XXXX XXXX XXXX  for the replacement tires. XXXX XXXX XXXX is affiliated with XXXX XXXX, so there card is accepted at XXXX XXXX XXXX XXXX XXXX 
During the process, the XXXX XXXX XXXX XXXX XXXX website portal, direct you during the process to the page to apply for credit. Thinking about it now, I should have just purchased the tires with the XXXX XXXX  card we already have. Instead of applying for a card at XXXX XXXX XXXX XXXX XXXX  ( 1 ) st because in XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX and a couple of other automotive services, are known in the minority community to be uncredit friendly towards minorities. 
( 2 ) Because I already was in the process of buying tires and scheduling services. Being directed to XXXX XXXX XXXX and Services by XXXX XXXX, otherwise My Wife and I probably would have chosen a different company. 
( 3 ) The credit application was denied and I expected it to be, because as a minority in XXXX, Missouri. Certain comanies a minority knows will automatically get denied for some really unexplainable errors. 
Company complained about for credit discrimination : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently.

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.
Product: Money transfer, virtual currency, or money service

This is no the first time that happen. Three or fourth times before occurred the same. I called to Xoom and like is usual they try to apologize. This last occasion on XX/XX/2019 I sent money to my country to cover some obligations. After almost five days the local bank didn't receive the money and I cant to comply with my very urgent compromises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a 609 validation letter to TransUnion on XX/XX/2021 I also submitted a validation letter to Transunion and XXXX on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you
Product: Debt collection

This Creditor has came back under a different collection debt and trying to collect a debt that was already removed from my credit file and was an result of identity theft and a unauthorized opening
Product: Credit reporting or other personal consumer reports

Account info ExperianXXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX XXXX Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX  Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX  Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) 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.

Please remove the following items from my credit report immediately
Product: Debt collection

I filed a police report for identity theft of this apartment and sent it directly to procollect for a XXXX XXXX apartment in the amount of XXXX I have disputed this several times also and have contacted them directly letting them know it was fraud and identity theft they have not did anything but harass me and try to collect a debt that is not mine and they will not stop reporting it on my credit making it hard for me to found somewhere to live I have tried to communicate with them and I emailed them as well in XXXX i dont recall all the dates but I reached out
Product: Debt collection

I received some correspondence dated XX/XX/XXXX from XXXX XXXX two weeks ago stating that XXXX XXXX XXXX XXXX Md. had referred my delinquent citations to them for collection. These five " citations '' were dated from XXXX ( XXXX through XXXX ). I did NOT travel out of XXXX at all until I received the XXXX XXXX in XXXX XXXX XXXX, so I knew these were false claims and a scam. When I have received citations in the past, they were sent within the week of the incident enclosed with a photo of my vehicle and camera location. I received nothing, as expected from XXXX XXXX. I contacted the XXXX Scam number and the gentlemen ( XXXX ) suspected like myself that this was a scam. He stated I would have had a bench warrant issued against me if I had not paid these " citations ''. He recommended I contact XXXX XXXX Police Department ( non-emergency number ) which I did. They stated they had no citation ( XXXX ) under my tag number and stated this was a scam. They said XXXX XXXX Police do NOT send delinquent citations to collection agencies. They recommended I contact Virginia XXXX and see if there were any violations reported by XXXX XXXX Md on my driving record. I contacted Virginia XXXX and they stated there were NO violations on my record from period XX/XX/XXXX - XX/XX/XXXX. I contacted XXXX XXXX and told XXXX that I disputed the citations/ fees and were going to report them to the XXXX. XXXX XXXX perpetrated a fraud and tried to extort {$220.00} from me. This is wrong and they need to be held responsible.
Product: Debt collection

I have been attempting to send Account Resolution Services ARS my identity theft affidavit and fix some of this fraud stuff but the address they published on my credit report is wrong. Please help.. this is killing me. I 've attached all supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint has never been addressed by XXXX XXXX. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to Equifax and XXXX. The furnisher/ XXXX XXXX continues to report to Equifax and XXXX `` missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by XXXX XXXX, a year after the note has been satisfied. 

XXXX XXXX and/or representing XXXX XXXX Attorneys or XXXX XXXX never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX County, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by XXXX XXXX, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by XXXX XXXX Attorney 's and examined by Judge XXXX of XXXX County, Civil Court, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from XXXX XXXX and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for 2019.It is the obligation of the furnisher/ XXXX XXXX to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and XXXX XXXX is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.
Product: Debt collection

I originally received the notification from the clerk of courts and set up monthly payments. My bank account information changed and my address, so I called the company to update all my information. They mailed me a form to complete and I mailed the form back into them. Several months later my employers notified me that my wages would garnished from the company but I was never notified in between. When I reached out to the company, they informed that they had mailed items to me informing me but they said I didn't call to update my address and back information. Someone else I spoke to found the phone call with the update address and back information. I tried to set up payments instead of the wage garnishment since they were confused if I had called about my back information changing and my address changing but they refused saying I should have called them sooner about the setting up payment. I ended up refinancing a car so that I could pay the amount off completely. I made the payment and now they are refusing to mail, fax, or email my employer to stop the garnishment. They said my employer will have to wait for the court document. The court does not send another document to my employer. In order to reach Levy and Associates I had to call over 13 times within a 1 hour period, I was hung up on 8 of those times. They have refused to give me a confirmation number for my payment in full and have refused to provide anything to my employer to stop the garnishment. When I ask to speak to a manager, they tell me no or the manager, XXXX XXXX will tell me he has emailed my employer which is not true. He has told me several times that my employer just isn't checking their email, which in fact my employer is waiting patiently to stop the garnishment and help me with the situation. The email has been sent by the company. Waiting on hold for hours and then hung up on over and over again is frustrating. I never received an correspondence in the mail after the initial contact. I have been willing to work with the company but they have made it impossible.
Product: Credit card or prepaid card

I recently saw on my credit report that my credit card is reporting 30 days late in XX/XX/2021 and 60 days late in XX/XX/2021. I am on a special COVID repayment plan with Capital One and was told they would not report me as late!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

Please review my report. I notice the creditors are not cooperating with my request to delete this inaccurate information from my credit.
Product: Debt collection

XXXX collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court. 

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied. 

They still have not served me with court documents to appear in court. XXXX wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of anxiousness, unable to sleep, and health problems.
Product: Student loan

I have been continuously checking for updates to my account on mohela. I was previously on REPAYE before the pandemic pause so expected to be automatically switched to SAVE. My family size is XXXX and hasnt changed since before the pause. In e the app, my plan does read as SAVE, but my payment due is considerably higher than it was, nearly twice the estimated payment calculated on student aid.gov and when I do the calculation by hand. The customer service rep I talked to was rude and not at all helpful, in fact she suggested it is my fault that I didnt call sooner. I had received the new estimate only days prior! She said the only thing they could do was put me on administrative forebearance and submit a whole new application. She refused my multiple requests to speak with a supervisor. MOHELA has no idea what they are doing and millions of borrowers are going to be negatively affected.
Product: Student loan

I have tried on several occasions to change my repayment plan from level to extended fixed. I originally requested this in XX/XX/XXXX ( I dont have the exact date given they didnt send receipt ) through mohelas site and repayment calculation tool. Mohela did not process my original claim, nor send any receipt of my request. Instead, they placed my loan into administrative forbearance. After the forbearance period ended they still had not changed my repayment plan. Despite spending hours on the phone I have not been able to contact anyone at Mohela to address this and have resubmitted my request to change ( XX/XX/XXXX ) my repayment plan structure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, XXXX  XXXX Account # 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