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

I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Discover Credit Card. I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for accounts. When I explained my situation, Discover Customer Service Representative Supervisor, XXXX from XXXX, said there were no late payment marks in their system. In fact, my account is all clear and I had a " remarkable credit history '' with the Discover account. XXXX said he immediately notified all credit bureaus of this mistake and sent an off-cycle report to confirm that my account is incorrectly marked on all XXXX of my credit bureau 's reports for the late payment of XX/XX/2020. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I would like to have the case reconsidered and remove the negative mark and clear and make current my accounts on the credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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 XXXX XXXX XXXX XXXXXXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for my negatives account to be removed I was A victim of fraud years ago. Equifax wont help you at all they dont even listen to you they have putting stuff on my credit that are not even mine. Please I need this issue to be resolve I am trying to get a house and all this inquiry that are on my credit is affecting me very bad!
Product: Credit card or prepaid card

I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.
Product: Debt collection

I am a prior tenant of XXXXXXXX XXXX in XXXX, AZ, owned by XXXX XXXX XXXX XXXX- I moved out on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX XXXX at XXXX XXXX Department notifying me of a {$140.00} outstanding balance, which I assumed was from XXXXXXXX XXXX. There was no explanation to this charge, so I immediately replied to this email ( I " replied-all '' to XXXX and XXXX ) to ask for clarification. I never received any response and never received any additional correspondence from either XXXXXXXX XXXX  or XXXX about this charge - I assumed it was sent in error and the charge was rescinded. 

In XXXX of XXXX I started receiving credit score alerts notifying me of my credit score lowering, which caught me by surprise. Upon investigating the derogatory mark responsible for lowering my score, I saw it was due to a new collections account appearing on my report, which is Genesis Credit Management on behalf of " XXXXXXXX XXXX XXXX. '' On XX/XX/XXXX I " replied-all '' again to my email I had sent back on XX/XX/XXXX asking again for an explanation of charges and demanded they cease credit actions against me- I still have not received a response. On XX/XX/XXXX I called XXXXXXXX XXXX to ask for an explanation of charges and I was told " my account is closed and only XXXX can address my issue. '' I was not, however, provided with any direct number of any XXXX employees ( despite my repeated requests ). I was only provided with a generic XXXX  number, which I called and left a voicemail with ( on XX/XX/XXXX ) where I referenced my situation and email correspondence, and still I have not heard back from XXXX. 

Please help. It feels criminal that XXXX can damage my credit score for an unpaid debt they never explained/justified.
Product: Debt collection

Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. 

I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
Product: Credit card or prepaid card

I never tried to call and fix issue because i thought maybe it was just mistake but I never realized every time this was hurting my credit score, I also did understand why I kept getting offers stating I had outstanding chance to be approved then I'm denied and credit score goes down horribly.
Product: Checking or savings account

Im having problems with my bank account overdraft fees an money coming out for things I did not order
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX 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 XXXX0}.
Product: Credit reporting or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is XXXX including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. Thank you for your prompt assistance in rectifying this matter. 

DO NOT RESPOND WITH ANOTHER XXXX WORD LIE!!! YOU PREVIOUSLY RESPONDED AND STATED THAT THE ISSUE WAS RESOLVED/REMOVED AND I HAVE PROOF THAT YOU DIDN'T!!! MY CURRENT CREDIT REPORT STILL HAS THE WRONG ADDRESS ON IT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to TransUnion requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX ).  Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from TransUnion providing the proper validation of the debt.
Product: Debt collection

Mccarthy, Burgess and Wolf claims I owe {$100.00} to XXXX XXXX, this appears to be from a prior stay, in which case, the booking was paid in full upfront. At time of check-in, I was not told of any remain balance owed. I refuse to pay this bogus balance. The reservation was paid in full upfront
Product: Credit reporting or other personal consumer reports

XXXX submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Product: Money transfer, virtual currency, or money service

I purchased XXXX anti virus service for my pc last year for around {$35.00} and this year when the service expired XXXX charged my credit card {$99.00} with out my permission by way of papal and papal refuse to return the money to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continue to contact the three credit bureaus Trans Union XXXX and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in previous letters to Transunion, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine. I have requested their " METHOD OF VERIFICATION '', yet they have not provided it to me. I have contacted the Court listed and they have stated that they do not provide any such information to the Credit Bureau 's. It is impossible for them to have verified any information with the Court and I have Security Freezes on all other Data Furnishers. It is impossible for them to have verified this information and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Previous Address ( es ) : X XXXX XXXX XXXXXXXX, CA XXXX : XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX : XXXX XXXX XXXX Employers XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax both have a statement or Narrative on two of my XXXX  XXXX accounts and my XXXX XXXX XXXX account that says something like " Customer Disputes, Resolution Resolved '' These statements need to be removed as I did not authorize you or the creditor to put those on my accounts. XXXX has already removed them because they understand that as the consumer I have rights that are protected under the FCRA. These statements are harming me and I am demanding that they be removed or we can go a legal route to resolve the issue. You can see the response of XXXX Below and I am expecting the same from XXXX and Equifax I have already spoken with the creditors and they agree that the statements should not be on my reports but yet you are placing it on there. Remove immediately. 

Company responded XXXX XXXX responded on XX/XX/2019 Response Type Closed with non-monetary relief Company 's  Response We have reviewed your complaint along with the information you provided regarding this issue. In response to your request, we have removed the dispute remarks appearing on the two XXXX XXXX accounts, as well as the XXXX XXXX # XXXX account, from your XXXX credit report. Please contact the data furnishers directly to ensure they are reporting the most accurate up to date account information. Also, please contact Equifax and XXXX directly regarding the accuracy of your Equifax and XXXX  credit reports. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised after the Equifax XXXX XXXX and stolen. Accounts and credit checks have been submitted in my name that I never authorized. 

For months I have resubmitted my FTC report, only for Equifax to do nothing. I have been on the phone being transferred to various different departments for over 5 hours for weeks on end. Never had this issue resolved. 

I filed an FTC report, a police report. They refuse to remove the following fraudulent inquires offering different lies each time of why they won't do their job. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX delete these as you promised. You are a part of the fraud and have violated my consumer rights. As a result of your incompetence, my credit score keeps going down.
Product: Mortgage

I believe Arvest Bank Mortgage is in violation of XXXX XXXX If XXXX XXXX XXXX mortgages, I called Arvest 's collections on XX/XX/2024 on XXXX Est regarding possible options after a 6 month forbearance. The interaction with the representative was not very informative of what I was requesting, nor did the representative gain an understanding of my financial situation. Also, the XXXX was very vague on how the different payment options would impact my account. For example, I asked if a modification would change my interest rate and the XXXX stated they couldn't tell me that. In reality from my own research, the interest rate XXXX change- the answer provided was not clear/concise/helpful. Regardless of the inbound interaction, Arvest XX/XX/XXXXcalled me again on XX/XX/2024 at XXXX pm EST. From the same number that has previously dialed me XXXX. They left a voicemail as well. I am not certain, but I would think they would not be able to contact me again after speaking with me XXXX days previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account showing delinquent on my credit report. I contact the company and they request it remove from all   XXXX   credit bureau.   XXXX    removed it but equifax refuses to remove it on several attempts from me and from the reporting company. They state that regardless if the account does n't belong to me it has to stay on my credit for 7 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There was no contractual disclosure or meeting of the minds.
Product: Debt collection

I'm a disappointed with XXXX XXXX billing process. My name is XXXX XXXX and my company ( XXXX ) had to called XXXX to call an ambulance services to take me to the hospital. All information was provided to XXXX XXXX yet the system never took down my correct address and Medical Record ID for XXXX XXXX. This occur around XX/XX/2018. 

Because of this mishap, XXXX XXXX was not able to bill my insurance and pushed my billing to a debt collector ( WAKEFIELD AND ASSOCIATES ) which cause a negative impact on my credit score. 

XXXX XXXX and Wakefield stated that they sent mails and attempted to call me but I have never received any phone calls or mails where XXXX XXXX was unable to get my medical id from XXXX even though they stated that they have attempted. I contact XXXX XXXX and then inform me that they did not have the correct address on file for some reason. 

My credit should never had a collection notice on my record which cause a very big negative impact on my credit score because of XXXX XXXX and Wakefield AND Associates. I have already contacted both company and provided my medical id after seeing my credit being ding by the collection notice in my credit report and they stated that it will take 45 - 60 days to have this resolved. In the meantime my credit score is being impacted which i feel strongly that it is not fair