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

American Express Credit Card Date opened XX/XX/XXXX Late payment date XX/XX/XXXX I forgot to make a payment on time to AE in XX/XX/XXXX. I was contacted by AE and made the payment to correct this. The payment was made 1 day after the 30 day maximum grace. I inquired with the representative if this would be reported to the bureaus and he told me a flat NO. A few weeks later I saw that indeed it was reported and it TANKED my report. It has been about 7 years since this XXXX XXXX XXXX XXXX XXXX XXXX and I would like the bump removed from my EXCELLENT credit report. I work hard on my credit and have for years it usually resides XXXX range and has for quite some time now. 
Hopefully this can be eradicated by filing a request here with you. Thank you.
Product: Credit reporting

Equifax never reported payment history from XX/XX/XXXX to XXXX XXXX. XXXX never reported XXXX XXXX through XXXX XXXX on my payment history, XXXX XXXX for XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX but did not submit to XXXX nor Equifax in XX/XX/XXXX, gave me credit for only 2 years and the loan was extended for 3 1/2 years. They stated the loan was closed on XXXX/XXXX/XXXX on the sheet that I submitted. Due to the improper reporting, this has held my personal business up tremendously by preventing me from obtaining personal mortgage loans or obtaining loans to obtain equipment for my job and personal business. I am looking for this matter to be resolved as soon as possible. This matter has also cause very high interest rates on all of my personal credit cards and the process to apply for loans in general due to a low credit score. In my opinion this is definitely unfair and a form of injustice to me.
Product: Mortgage

My husbands name was on my house 's mortgage. He passed away XXXX 2012. Since then I have paid the mortgage and have received a XXXX form for income tax filing. This year, Chase has decided that they do not need to send me this form and report the interest I have paid. I have paid the interest from my personal checking account and my name was on the deed even before my husband 's passing ( done at the time of purchase ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES XXXX FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Credit card or prepaid card

Today ( XX/XX/XXXX ) received a letter from XXXX XXXX stating that my XXXX XXXX account had been sold to XXXX XXXX XXXX with a balance of {$930.00}. The number for XXXX XXXX XXXX does not provide a contact. Synchrony admits that the number provide is incorrect. XXXX XXXX refuses to provide any information on why there is an account balance. XXXX at XXXX XXXX advised that the only option was to talk to the collection agency ( XXXX XXXX XXXX ). At that point XXXX also advised that there was no supervisor/manager/director available to talk to and repeated that the only option would be to talk with the collection agency. 

The last bill received was in XX/XX/XXXX for {$230.00} which was paid by XXXX XXXX Bill Pay - sent on XX/XX/XXXX with confirmation number of XXXX. No subsequent usage of the credit card was made nor were any subsequent bills received. During today 's call XXXX XXXX   confirmed that they had the correct mailing address for my account. As there has been no usage of the account and no bills received there should be no balance. Regardless of that without a bill showing the balance there has been no opportunity to challenge any invalid charges. 

I have also found that the card is blocked and online access to the account is also blocked.
Product: Debt collection

This started with XXXX in XXXX of XXXX. We moved that month and were told that upon moving, our internet would go through a " transfer-of-service '' ( meaning that our account and set billing cycle would stay the same and just be transferred to the new address ). This did not happen. After two days of being on the phone with XXXX, we finally were able to get our internet up and running, I was told on the phone by the rep that a new account would have to be made, but the old account from the previous address would be cancelled- which was fine by me. 

Fast forward a month a later ( XX/XX/XXXX ), I get an email from XXXX saying that our bill was past due ( and the address in reference was the old address. Unfortunately, I can not recall the amount at the time, but it has since gone up to {$480.00} ). I called XXXX and explained the situation. I was told by their representative that they would waive the bill due to us moving/ transferring service, and that the charge would be removed. I was glad to hear that. A few months later, we received a letter in the mail from a debt collector ( company name is Convergent ) requesting payment for an amount of {$480.00}. At this point, I'm livid. I called XXXX to explain my situation ( again ), and was told by the representative that this would be taken care of, and not to make any payments because I have no charges or debts associated with my current account or the previous account that was closed. 

Since then, we have several more letters requesting payment for {$480.00} from Convergent. In fact, we just received one that was dated XX/XX/XXXX. I didn't make an attempt to call due to XXXX 's assurance that the charges would be waived and their advice to not make payment.
Product: Debt collection

I received a message on my voice mail from Asset Recovery Associates, stating that I needed to call them right away about a " bad check and breach of contract filing '' against XXXX XXXX. XXXX XXXX is my ex-husband whom I have n't seen since 1997 ( except in Family Court ). I was given the case # XXXX, and the phone number of the " Plaintiff '' is XXXX. When I called the number, I was told that I was a " co-defendant '' with XXXX XXXX in this case which has already been filed in XXXX, IN and I should be served with a summons soon. I informed " XXXX '' that I have never set foot in XXXX, and that XXXX XXXX and I have been divorced for quite some time. She kept refusing to give me any further information and said I would just have to wait until I 'm served, and then she hung up on me. My husband also called, and he was hung up on as well. After calling the XXXX County, XXXX County Clerk 's office, I was told to do a search at mycase.in.gov and that if there was anything filed against me it would show up. I did that with both my name and my XXXX XXXX 's name, and nothing came up. In addition, one of my daughters told me that she received a phone call asking about contact information for me, but she did n't give them any. It 's possible that my other daughter did, but she and I have no contact. I 've only been married for a little over 2 years, and have only had my cell phone number for maybe a year. The company would not tell me how they received my name and phone number.
Product: Debt collection

On XX/XX/XXXX there was an attempted service in XXXX Michigan by XXXX XXXX on behalf of a lawsuit filed in Michigan XXXX XXXX XXXX XXXX by Lamont Hanley and Associates. This violates FDCPA as the contract was not signed in Michigan and I am not or have not been a Michigan resident. So this wrong venue and wrong state for any sort of lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to view my credit report on MyEquifax.com. There is a soft inquiry from XXXX XXXX that I do not recognize. I do not have any medical bills and I pay my medical bill in cash or credit when I go to the doctor or critical care. Equifax has no information on the company and when I tried to contact Equifax via phone, there is no way to get a live customer service agent. They menu system doesn't have an option and I spent XXXX minutes going through all the menus. I next tried to contact Equifax through their Contact Us link. It has forms to fill out but there are no forms to get information on an Inquiry -- only to dispute incorrect information. On the other soft inquiries, it has the actual company that made the Soft Inquiry and they were all for account review. The inquiry marked XXXX XXXX is for account review but there is no company listed and Equifax does not provide the information on who made the Inquiry. I do not have a credit account with any medical collection company. My bills are all paid when services rendered. I do not give medical providers my SSN so the company that made this illegal inquiry has my PII including SSN without my permission.
Product: Credit reporting or other personal consumer reports

I believe I was adversely affected, as the response to my previous dispute indicated that the accounts in question were verified, which may have negatively impacted my credit opportunities. 

I would appreciate clear and substantiated evidence supporting the verification or a prompt correction of any inaccuracies.
Product: Credit card

On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX size XXXX ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX  which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. On XX/XX/XXXXXXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is XXXX ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXX size XXXX and XXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. Both dresses did not fit my body and immediately I packed both dresses and shipped them back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macy 's credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for help.
Product: Mortgage

I am in a XXXX XXXX and have an individual Flood Insurance and a Master Policy at the XXXX XXXX. Every year the Mortgage Company gives me a hard time about the XXXX XXXX. Generally, they like to see both. Last year I showed them both and they still went out and bought XXXX XXXX, twice. They only reimbursed me once, even though I never needed insurance because I already have it. They refuse to pay me back. This year, even though everything is the same they are changing the rules. I have provided them my new XXXX XXXX XXXX several times and they still find it unsatisfactory and are requiring me to have my individual name and XXXX number on the Master policy. I also sent them property tax records to confirm the address on the insurance matches the master policy. They have sent me XXXX letters on this issue including XXXX that says it was resolved, followed by a letter XXXX days later stating it is not resolved. I am at an impasse with them because they are asking for things I can not provide. PHH has been a terrible Servicer. I have to remind them on tax payments, then they pay it twice. They let my XXXX XXXX lapse and I had to pay it myself and wait to be reimbursed. I have wasted countless hours dealing with them. I have never been late on a payment.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how this happened. I check my credit report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a temporary glitch, but the incorrect accounts remained. I am pleading for a thorough review of the documents Ive provided so I can finally have peace of mind and not worry about this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX  Account # XXXX 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 card

Hello. During my employment at XXXX XXXX, there was a large data breach in XXXX, where I was notified that my information was stolen from a third party company XXXX XXXX used. XXXX XXXX then allowed free credit monitoring to those affected through a website called XXXX. Here I was able to log in with my social, and other personal information, to see any changes to my credit. This is when and how I was made aware of these fraudulent accounts. There were XXXX credit cards opened. One for Capital One, which is where I am having this problem. The Capital One card had a Credit limit of {$300.00}, and has an account balance of {$460.00}. I can not log into to see this account on Capital One because I do not have the account number, since I did not create the account. I have called Capital One on multiple occasions, informing them of this fraud. They take my information, then tell me they will reach out within a certain amount of business days, but they have yet to do so throughout the year I have been trying to figure this out.
Product: Student loan

Navient has continued to offer me forebearances instead of helping me to figure out how to pay and handle my loans. I call and ask them to help me and they keep pushing and pushing forbearance ( been there done this and in horrible shape with loans ) and this coming from customer service reps who barely speak english and i mean no disrespect when i say this. My loans are unbearable ... and the only thing on my credit report thats horrible and preventing me from getting a house loan ... i applied for income based payments 3 weeks ago ( sending in my income tax from last year and paystubs ) and still havent heard a thing. This is all such a game and navient is messing with people 's lives and the ability to qualify for car home loans. Since XX/XX/XXXX i was paying {$360.00} a month and getting nowhere and still behind! I do not understand how to fix this situation wirhout putting thousands of dollars down on these federal loans i learned are controlled by navient. This is a disgusting company who is by no means looking out for the consumer. Please help!
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiries on my credit report listed in the id theft report EXPERIAN XXXX XXXX XXXX XXXX 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 EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN, XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My original mortgage is with Bank of America and on XX/XX/2020 I refinanced with a different company and a wire was sent on XX/XX/2020 to Bank of America to pay off the mortgage, with the correct routing number, mortgage account number, and the correct amount that was provided by bank of America ( info on payoff statement ), my correct name and address and the payment has not been applied. I have contacted Bank of America on 5 different situations and have spoken with multiple representatives whom 3 have stated that they will escalate the issue and it will be resolved within 24-72 hours ; the first  time I was told this was back on XX/XX/2020. When asked for a ticket/case number I was informed there was not one available. when I asked for a name, representative, or phone number of someone that I could follow up with directly, again I was told there was not one available. I then asked if they could put in a request to have someone  reach out to me to verify that it has been completed and I was told that was not available. This one call took over 3 hours total. I have since called other times ( XX/XX/2020 and XX/XX/2020 ) with the same responses and still nothing is being done. I am well over 6 hours of my time invested in trying to get this resolved via phone. I also submitted an email to Bank of America from their online website, with no respones.. Bank of America has me listed as being delinquent on my mortgage since they haven't processed my wire from XX/XX/2020 and my payment was due XX/XX/2020. We are coming u

p on 30+ days delinquent and I fear that my credit will be effected by this as well. I do not see how a financial institution is able to sit on a wire transfer without processing in a specific timeframe. Any Assistance would be GREATLY appreciated as I am becoming very frustrated and would love to get this resolved.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( Transunion, XXXX, XXXX ) of the violations XXXX XXXX  conducted and requested the three major credit reporting agencies, Transunion, XXXX, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Product: Debt collection

XXXX and XXXX XXXX XXXX XXXX have reported all these tax liens on credit, which negatively affects my credit rating. It was passed that not liens should be on credit reports in XXXX of this year. Please address and have all these reported correctly and accurately on my credit report. Secondly, these balances should have been paid by Bank of America prior to the close of sale on XXXX XXXX XXXX, XXXX NC This was in litigation and claimed to be collected prior to the sale of this property. Please address with Bank of America and refer to the agreement.
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth equifax, XXXX and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving Equifax, XXXX and XXXX 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX They did not send me any notification that they were new association or that anything was even owed. 

One day I receive a lien on my house and debt collection for {$150.00}, and fees close to {$300.00} now at the collection agency. 

I call to ask why they didnt send any notifications at all and they said they don't do that. What? 

I have a very sneaky suspicion that these people have an under the table deal with this agency as I've heard from many people in my neighborhood and online who had the exact same issue. No due diligence is done to simply inform people that something is due and how to pay.
Product: Student loan

I had deferred my loans for a little while. When Obama got into Office and started the payment plan that goes by your annual income. I started paying back my loan. I was told that I had to pay for 10 years. As of today, they told me I only paid in for two years. That is not true. I was with salie mae then with navient. Please help me. If you have any more question. email address is XXXX XXXX