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

My first letter which will be attached went to XXXX, Equifax and XXXX to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XX/XX/XXXX. Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent two more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX mortgage payment is being reported as past 30 days due on my credits history even though I have proof of payment delivery on Saturday, XX/XX/XXXX. The mortgage company, New York Community Bank ( " NYCB '' ) has responded to my written inquiries that although the payment was delivered to the payment address of record on XX/XX/XXXX it was not received on a business day and therefore it is posted on the next business day which was XX/XX/XXXX. It is my assertion that the payment receipt date should drive the credit reporting date to determine late payments not an arbitrary payment posting date determined by the financial institution. The fact that the financial institution arbitrarily posts a payment in their system based on business day does NOT change the fact that my payment was received on a XX/XX/XXXX and should be reported as 30 days past due on my credit report. I have requested a correction via 2 separate letters to no avail. I would like my credit report correction to reflect timely payment for XX/XX/XXXX mortgage payment.
Product: Credit reporting

I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.
Product: Mortgage

I WAS BEHIND IN MY PAYMENTS FOR A NUMBER OF REASONS. XXXX XXXX XXXX XXXX XXXX XXXX THROUGH THE SERVICER, SELENE FINANCE, ONLY OFFERED TO INCREASE MY INTEREST RATE AND DOUBLE MY PAYMENT WHICH I CAN NOT AFFORD AND THEY ARE PROCEEDING WITH THE FORECLOSURE ( C0MMENCED IN XXXXXXXX XXXX  ). WHICH WILL BE SCHEDULED SOON. THEY WOULD NOT EVEN KEEP MY INTEREST RATE THE SAME, LET ALONE REDUCE IT, WOULD NOT CONSIDER EXTENDING MY LOAN TO 40YEARS OR HOLDING ANY PORTION OF MY BALANCE IN ABEYANCE. IT WAS DOUBLE MY PAYMENT FROM ABOUT {$1000.00} TO ABOUT {$2000.00} PER MONTH ) OR NOTHING.
Product: Credit card or prepaid card

My auto online bill pay is set-up to pay every month on/by the XXXX. The payment for XXXX was due on a Sunday, XX/XX/2023. The payment was credited on XX/XX/XXXX which is the next business day. Chase is scum and will not remove the late fee that they assessed which is illegal. 

Credit card companies generally cant treat a payment as late if its received by XXXX XXXX on the day its due ( in the time zone stated on the billing statement ), or the next business day if the due date is a Sunday XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of WAKEFIELD & ASSOCIATES Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received an alert that an inquiry had been made into my Experian credit report that I did not initiate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Debt collection

NAVIENT is attempting to collect a debt of {$8600.00} for " Personal Loans ''. This debt is from identity theft and is not mine. The debt entries should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this to dispute a account listed on my credit report that I believe is a result of identity theft. As this account do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank of America - auto loan- this was flagged by them as fraud and reported to the 3 credit bureaus. 
XXXXXXXX XXXX XXXX this was flagged by them as fraud and I was told to report it the bureaus XXXX XXXX- said they did not receive the inquiry or application but it is showing on my credit report by all 3 bureaus. 
XXXX XXXX flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year>XXXX XXXX XXXX called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX XXXX  XXXX XXXX - a new credit card was opened in the amount of {$35000.00}. I called XXXX immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. XXXX XXXX XXXX XXXX XXXX {$770.00} } i even reached out the the data miners at transunion as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.
Product: Credit reporting

The credit XXXX sold or assigned the loan to a credit collection agency XXXX, and the loan was paid off in full on XX/XX/2016. We have a letter of satisfaction from XXXX ; however, XXXX is still showing a balance and a charge off. This needs to be cleared/updated. 
The same situation with XXXX, they sold the loan to XXXX and the loan was paid off in FULL on XX/XX/2016. We have a letter of satisfaction. This also needs to be cleared or updated from our credit. 
Please advise on how to get this done.
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.
Product: Debt collection

I checked my XXXX and I discovered that several medical bill was reported on XX/XX/2019 by AMERICAN ACCOUNTS ADVISORS. The account belongs to my ex wife to whom we have divorced and decree has been ordered that each person is responsible for their debt. I see that the date was reported in 2019 and I think she still continued to make payment up till our divorced was finalized. The other medical bill was reported to my account without a notice. I also believe I didn't owe the bill. All these was reported by AMERICAN ACCOUNTS ADVISORS on XX/XX/2019. The company is known for runing people 's credit. I have filed a dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.
Product: Credit reporting, credit repair services, 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. 

XXXX 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 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

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

Company 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 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: Checking or savings account

On XX/XX/2019 I initiated balancing my checking account. I accessed the BBVA Compass Bank website to download my recent statement for this purpose. While reviewing my account I noticed a debit transaction had been initiated on XX/XX/2019 in the amount of {$44.00}. The vendor name is XXXX XXXX. I did not initiate nor authorize this transaction. I immediately called BBVA Compass but received an automated message that the security department was closed and please call back during normal business hours. What? Fraud can be perpetrated 24 hours a day. I immediately blocked my debit card on the BBVA website to prevent further use. On Monday XXXX at XXXX EDT I called XXXX and spoke to XXXX about my discovery of this fraudulent transaction. He said that there was nothing they could do until the transaction posted to the account and my money sent to this apparently fraudulent merchant. My debit card was cancelled by XXXX and the process of issuing a new one started. I was advised that it would take 7 business days to receive a new card. He also stated that a new card would be issued free of charge. Today, I checked my account and the transaction posted last night ( XXXX ) and now the {$44.00} was withdrawn from my account. I called the security department today ( XXXX at XXXX ) and was told that an investigation would take place and if found to be fraudulent the money would go back into my account within 10 business days. I searched the internet to find a contact number for the 'vendor ' but there was no contact information on their website ( XXXX ) and in order to go further on their website you have to create an account profile. I declined to do this. 

I realize that in the world of fraud {$44.00} is a small amount, but since I haven't worked in over a year, every cent in my account is precious to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an issue that ive addressed multiple times. this is my XXXX attempt. please review the listed items to clear an remove all inaccurate data to clear my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. Citi has been reporting my account XXXX late payments XXXXdays and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.
Product: Credit reporting or other personal consumer reports

I have been applying for a XXXX XXXX over a month now ; I was denied because the TransUnion score shown to the lender states XXXX, whilst all the other credit monitoring apps state that the TransUnion score is around XXXX. I have been trying to get an official copy of my Credit Score with TransUnion ( {$0.00} value price ) and it has not proceeded. The website referred me to their chat, where they recommended I use a different payment method and it still does not proceed. Both payments were reflected on my cards, yet they sent me screenshots of their system stating that it was canceled ( on their end ). Then, they gave me the following phone to obtain my Credit Score ( XXXX ) XXXX where the operator said he could proceed with the request but they will not honor the valued price. I will not give it a third chance when it has failed twice in a row, and nevertheless at the regular price, plus having to wait XXXX business days when online it is instant.
Product: Mortgage

I contacted New American Funding for a customized rate quote and decided it wasn't in my best interest to pursue a refinance, then scheduled a call the next evening to discuss this with an agent. Since then I have been hounded by agents from their company calling 4+ times during the work day for the past two days, despite insisting they stop attempting to contact me.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and an account as a result of identity theft. I have unauthorized inquiries from XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XX/XX/XXXX, and also XXXX XXXX XXXX  on XX/XX/XXXX On My XXXX Consumer report that I would like removed. I also have an account from XXXX XXXXXXXX XXXX that should not be on my consumer report also. I have disputed these issues with Experian XXXX and XXXX and they did not remove this account and I would like it removed.
Product: Prepaid card

This company is holding my funds in the amount of {$3100.00} and my account has bwen closed for over 30 days and they still have n't sent my check they say they are waiting for some pending disputes to finalize but nowhere in there terms and agreements does it say they can hold your funds until it is finished. If I do n't receive my check in 7 business days I will file a lawsuit against american express for breach and contract and many other legal laws they have broke in holding customers money.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/year> as mention before I'm a victim of identity theft and around XXXX some one took over my bank information and identity from the XXXX XXXX, and lost all access to my accounts