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

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/2018 I submitted a loan application to XXXX XXXX in XXXX, to buy a used vehicle. My credit score is XXXX on XXXX  and my XXXX score is around XXXX. I have very little debt, and my home is paid off. Based on my score I should have been offered no higher than 5 percent interest but the dealership said I was being offered 12 percent which they later emailed me and said it was just over 9. The company Ally Financial has been fined multiple times for discriminatory lending and I believe they have not altered their practices. I am a XXXX woman, XXXX XXXX vet and graduate student I do not think it's fair to have to overpay for things as basic as a car loan.
Product: Credit reporting

On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.
Product: Credit card

I have made payment arrangements and are making payments to Capital One but their automated system keeps calling me 10-15 times every day starting early morning to late night.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a dispute with TransUnion RE : a XXXX charge XXXX account for {$940.00}. The Account in question was opened in XX/XX/XXXX but I went on a XXXX XXXX in XXXX of XXXX and was not in the XXXX or able to create an account at that time. On XX/XX/XXXX, I called XXXXXXXX XXXX and their fraud department confirmed that the account was fraudulent, I was not responsible for it, and that they told the credit agencies this when they responded to by dispute. Despite the fact that the company that placed the item on my credit report to begin with determining that it was fraud, TransUnion, on XX/XX/XXXX, emailed me to state that the information was found to be accurate and they maintained it on my credit report. 
TransUnion customer service was no help in fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile I've noticed alot of invalid information on my credit report. I am interested in disputing all incorrect information from my Equifax credit report.
Product: Credit reporting, credit repair services, 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXXXXXX XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed XXXX {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Bank account or service

paypal is trying to rip me off by transferring money from my bank account to my paypal account without my authorization. they have the worst customer service in the world! i just want to close my account but they wont allow me to do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGMENT SERVICES is reporting on my Credit Report that I have a Balance in Collection as of XXXX that has never received any payments. I have never recieved any Collection Letters, debt details or contact from NCB Managment Service nor the original debtor regarding this debt. The date, balance and original creditor are not familiar to me and since I had filed bankruptcy prior to this debt, I am concerned they are attempting to collect a debt that was cleared from my bankruptcy. Since my Spouse has passed away, it is also unclear if this debt is related to him and not directly related to me. In XX/XX/XXXX and again in XXXX, I disputed the information on my Credit Reports with XXXX and XXXX. The outcome is not clear and I have not received any details regarding this debt. On XX/XX/XXXX, I mailed a letter to NCB Management Services requesting the details regarding this open balance they've reported in collection or they remove the negative remards in their entirety. I have recieved no reply. As I am trying to address this collection, I am unable to do so without any knowledge or details of the origin and am unable to dispute it further as NCB Managment has failed to provide any details.
Product: Debt collection

XXXX XXXX  is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using XXXX  XXXX XXXX of XXXX XXXX Indiana of my birth certificate long form of XXXX XXXX XXXX XXXX XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents
Product: Credit reporting or other personal consumer reports

After checking my credit report, I noticed various billing discrepancies, particularly late payments that are inconsistent with my payment patterns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
Product: Debt collection

I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as CITIBANK N.A. However, I have never had any dealings with CITIBANK N.A. and do not have any accounts with them. Despite this, a collection agency ( XXXX XXXX XXXX XXXX ) is attempting to collect this fraudulent debt on behalf of CITIBANK N.A.

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that CITIBANK N.A. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.
Product: Mortgage

I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work. 

1 ) I want to be able to log into my Equifax account online at www.equifax.com 2 ) I want my Equifax account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire.

As of right now - I am not able to login online. Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting inaccurate information Ive written numerous complaints via mail and cfpb compliants. These items are not accurate and should be deleted immediately Derogatory Accounts ( XXXX ) XXXX XXXX Other Loan Past due : {$280.00} XXXX XXXX XXXX XXXX Loan Past due : {$550.00} XXXX XXXX XXXX Other Loan Past due : {$730.00} XXXX Chargeoff XXXX XXXX Credit Card XXXX XXXX XXXX {$170.00} ChargeOff XXXX FUNDING Other Loan Past due : {$830.00} Collection/ Chargeoff XXXX Other Loan Past due : {$290.00} ChargeOff
Product: Debt collection

I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - Glasser and Glasser , PLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed XXXX XXXX ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to XXXX XXXX has been paid - they still listing the full amount of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Grant & Weber inc has incorrect information and is affecting my credit! They have a different name on the account
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX, I mailed, submitted letters/documents via my XXXX account XXXX portal, and filed XXXX Equifax disputes XXXX 

On XX/XX/XXXX and XXXX XXXX XXXX, my XXXX accounts was subjected to fall off with all XXXX credit reporting agencies. However, the accounts remained on my Equifax report. The accounts were paid in full and closed on XX/XX/XXXX for {$4.00} and XX/XX/XXXX for {$16000.00}. 

I submitted XXXX disputes with Equifax requesting the removal of both accounts and for the creditor to correctly report the accurate account number. On both occasions, the final investigation report stated the creditor XXXX claimed to be reporting correctly, but modified the " date of last reported update '' that reflects the dates I filed my dispute. 
In XXXX and XXXX of XXXX, I mailed XXXX several letters which they failed to respond to. 
I submitted letters and documents to XXXX via my accounts web portal requesting the deletion of my credit accounts with the credit agency. They responding by stating no action will be taken and no changes will be made. 
After numerous attempts, XXXX fails to resolve the matter by removing the aged accounts from the credit agency Equifax. While XXXX continues to update the XXXX " date of last reported update '' for both closed paid in full accounts with Equifax reporting agency after ever dispute. Preventing the accounts from ever falling out my credit report. Equifax currently reports my new fall out date to be XXXX of XXXX for loans that was paid in full and closed in XXXX.
Product: Credit card or prepaid card

XXXX filed complaints with Capital One, The Credit Bureaus and The Federal Trade Commission XXXX
Product: Mortgage

I am having serious problems with my mortgage and escrow account with CitiMortgage/Citibank. 

On XXXX XXXX, 2015 my private mortgage insurance ( PMI ) was released. I paid the XXXX statement as it was issued before the cancellation of the PMI. 

The XXXX mortgage statement came with no changes and I paid the amount due on the statement. I received a letter from CitiMortgage after I paid XXXX with a new monthly amount due. Then I received my monthly statement with a different amount due from their letter. I called CitiMortgage and they gave me yet another different amount due. 

In the meantime, they deducted money out of my escrow account but that money was not reflected in the new balances. I called and one customer service rep said that he did n't know where the money went and maybe they were issuing me a check but could not confirm that information, he just thought it. The money was taken out of my escrow account on XXXX XXXX, 2015. Nothing happened and I called again, and was told the money went somewhere but it was n't toward my principal and she could not determine where my money was. 

I emailed them and the respondent gave me the date of XXXX XXXX as the PMI cancellation date. I have the letter from CitiMortgage stating it was cancelled on XXXX XXXX, 2015. Information was also sent by the appraiser chosen by CitiMortgage that I paid for. Ugh. 

They recently took more money out of my escrow and I have no idea where that money is either. In addition, CA escrow laws are different and they do not acknowledge nor understand those laws. 

At this point I have to pay the amount on the statement which is more than I owe. Again, because it is an escrow discrepancy, the money will be removed from my escrow and not be refunded or credited that I know of. 

To summarize, I do n't know which of the monthly statement amounts they gave me is correct and I have no idea where the excess escrow payments are going. 

If you could provide me any assistance, even a phone number beyond the CitiMortgage customer service number that could escalate this, I would be sincerely grateful. 

Thank you so much for your time with this. 

All best wishes, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( cell ) XXXX ( work ) XXXX ( home )
Product: Debt collection

I have repeatedly disputed the accounts XXXX XXXX Date Opened : XX/XX/2015 Balance : {$330.00}, yet your bureau continues to report them as verified. I have even gone above and beyond by contacting the furnishers of this information directly, as the FCRA provides, and they have failed to respond or provide any proof of the disputed accounts. Your lack of response is unacceptable and I am demanding that you immediately delete this inaccurate and unverifiable information from my consumer file. I have already sent multiple letters and have received no response. Your failure to comply with the FCRA can result in legal action against your company. I have already done everything in my power to resolve this issue, and yet the information still remains on my credit report. I will not allow your company 's negligence to continue to harm my credit score and financial well-being. I demand that you take immediate action and delete the disputed accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to TransUnion, XXXX, and XXXX regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Toyota Motor Credit has taken the money from my bank account, but refuse to apply that money to my balance. 

I have called four times regarding this issue, all I get is a stalling tactic of " it will happen in x number of days ''