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

My account with XXXX XXXX was never late! I have had exceptional payment history with XX/XX/XXXXXX/XX/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 those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 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: Credit card or prepaid card

I mailed the payment to citibank on XXXX XX/XX/2021 they state they do not have it and on the back of the statement they state that if they get the mail by midnight they will post that day. They will not look into the payment until the check clears the bank. Payments have been extremely slow by mail to the KY and PA address they provide
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days
Product: Credit reporting or other personal consumer reports

The attached accounts were previously disputed. An FTC report was provided and proper documentation. I was told several times that items were received new " projection dates '' from month to month. Items were taking longer than 30 days to get any type of responses. Accurate documentation was never provided to me to show that I am legally responsible for these accounts. 
I also received investigation results dated from XX/XX/year> showing that specific items were deleted from my report and to this date they are still showing up listed. There have been quite a number of inaccuracies based on Transunion 's part.
Product: Debt collection

Received call on XXXX around XXXX which I did not answer. They did not leave a voice mail. I called back but was immediately hung up on. A few months back, I received call from them as well with the same scenario. I checked all my credit reports as well as all my medical accounts ( since that is what they usually attempt to collect on ). I have not outstanding or past due bills of any kind. 

I have no way of finding out what they are claiming to collect on when they hang up when I call back. While the company may be legitimate, it seems the calls I have received are not. 

Also, it is mandated by law that I be notified of any collections and I have never received anything.
Product: Debt collection

Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.
Product: Mortgage

PennyMac is taking too long to send me the balance of my escrow account. I paid off my loan on XX/XX/2019, and they still not have issued a check to me. The customer service representatives have not been helpful. I paid off other loans I had with a servicer called XXXX   XXXX XXXX, and they sent my escrow refund five business days after payoff.
Product: Mortgage

Tried to get information in regards to the investor on my mortgage which is in deed XXXX XXXX. Once gave them information my account is not being pulled up. My social security and last name are being used with them for a different account that I am not part of. They said they will look into and have no reached back out to me. At first they stated they are not the investor in my mortgage. So they can not approve nor deny any refinance or loan issues. Then once given social security number again they state they cant find by first name only social and last name, that the first name they have on file is someone totally different that is using my social. They are not helping resolve this issue. Because of them I could not remodify my home loan and am on the verge of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I came out of forbearance with my mortgage company Shellpoint Mortgage and went to a modification plan that was on trial till XX/XX/2022 and was finalized with new payment due on XX/XX/2022. Per the C.A.R.E.S act a mortgage company is to not report delinquent accounts or past due amounts unless the mortgage was past due prior to forbearance. I was not delinquent prior to forbearance. I was entered into forbearance as a result of COVID and had a total of $ XXXX roughly that was on forbearance. Shellpoint mortgage has illegally reported me as XXXX, XXXX, 90 days past due from XXXX XXXX XXXX  on 2 of my 3 credit reports of the $ XXXX which they are not legally obligated to do. I have tried to get in touch with them and they fail to answer me back, they push me from department to department and refuse to review my mortgage and also refuse to admit they reported it illegally and will not remove it. This has dropped my credit score a bit over XXXX points. I also have contacted a CARES act lawyer who is not answering back, I have filed a dispute with XXXX and no one is answering my dispute now at XXXX or at Shellpoint. I have not been able to get ahold of XXXX, they will not answer the phone, my emails. Then in XX/XX/2022 ( just 1 week ago ) I pulled my XXXX credit report and now they reported me past due in XXXX on XXXX but never reported prior months. I am not past due and have the proof that I am paying on time. I have tried to get the loss mitigation department and specific representatives at Shellpoint to answer me why on this XXXX reporting of past due and they state they don't show they did that, but yet my credit report reflects that they did. They have illegally reported me past due and I have all the proof of the CARES act, the proof that I have made payments on time and per their request. All of which I submitted to Shellpoint but they refuse to do anything about it.
Product: Debt collection

ALDOUS AND ASSOCIATES has placed a negative non paid debt on my credit reports. I do not know who they are and they are asking for a debt that they have not contacted me for or sent any validation for. I sent them a letter electronic and certified mail which they received XX/XX/2023, requesting they show proof of this debt. I canceled my membership with XXXX XXXX and the monthly payment was {$5.00} a month. They are unable to send me paperwork and have been ignoring me, but still placed a negative report on my account. 
They need to respond to my letter of validation which I have attached to this, and remove the error in their reporting.
Product: Debt collection

Medical Debt was closed but still reporting on my report. Try disputing a few time to remove off my credit report but they only update and renew it.
Product: Debt collection

XXXX XXXX XXXX and Gurstel Chargo Law firm and XXXX XXXX XXXX  have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XXXX of XXXX they began more legal action to get the judgment amount. The wage garnishment started XXXX of XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up XXXX its up to {$6200.00} XXXX currently because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost XXXX. These garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
Product: Mortgage

We signed on for a home mortgage with Citibank in XX/XX/2019. Our mortgage contract specifically allows us to prepay our loan with no penalty. We have 2 complaints 1 ) Citibank transferred our mortgage to XXXX without informing us. XXXX is not allowing us to prepay our mortgage. Weve followed up with XXXX and Citibank multiple times. Citi responded saying XXXX is extremely delayed on email and phone responses. But they are not offering us any options. 
2 ) Citi didnt inform us on our mortgage getting transferred to XXXX. We had an auto/pay option linked to our citi account for our mortgage. XXXX removed our auto-payment option. We were on vacation overseas in XXXX and XXXX and didnt realize any of this had happened. We got a call from XXXX on our mortgage - we thought it was a scam as they asked us for personal information. Our credit score dropped 100 points as XXXX reported our mortgage in default. 

All citi and XXXX say is sorry - they cant do anything.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( XXXX ). Below are the details of my complaint : XXXX. Background : - I obtained a copy of my credit report from Experian and noticed several inaccuracies. 
- I disputed these inaccuracies with Experian XXXX. Experian 's XXXX : no response. 
the inaccuracies remained on my credit report, and I did not receive a detailed explanation or evidence of a reasonable investigation.FCRA Violations : According to the FCRA, Experian is required to conduct a reasonable investigation of disputes ( XXXX XXXX. XXXX ). 
XXXX - Experian failed to correct the inaccuracies or provide a valid explanation for their decision, indicating a lack of a thorough investigation. 

Impact on Me : XXXX As a result of Experian XXXX failure to comply with the FCRA XXXX my XXXX XXXX has been negatively impacted. 
- This has caused me financial harm, including being denied credit and facing higher interest rates on loans. 

XXXX. Requested XXXX : - I request that Experian conduct a proper and thorough investigation of my dispute. 
- I also request that the inaccuracies be corrected promptly and that I be provided with a detailed report of the investigation. 
- Additionally, I seek compensation for any financial harm caused by Experian 's non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal dispute regarding an unauthorized tradeline that has appeared on my credit report, associated with Ally Financial. This situation has arisen due to fraudulent inducement, as I never consented to or engaged in any business dealings with Ally Financial. I believe that this unauthorized tradeline not only adversely affects my credit history but also infringes upon my rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

The disputed tradeline is detailed as follows : Creditor : Ally Financial  Account Number : XXXX Date of Last Activity : never Balance : XXXX I present the following grounds for my dispute : 1. Fraudulent Inducement : I have been victimized by fraudulent inducement, where it is alleged that Ally Financial engaged in deceptive practices to induce me into a financial relationship and establish an account without my knowledge, consent, or authorization. This action contravenes the principles set forth by the FCRA and CFPA, aimed at ensuring accuracy, fairness, and transparency in financial transactions.

2. Violation of FCRA Section

s 611 and 623 : Ally Financial 's inclusion of this unauthorized tradeline on my credit report has caused substantial harm to my financial standing and creditworthiness. This is a breach of FCRA Section 611, which mandates accurate reporting, and FCRA Section 623, designed to prevent the dissemination of unauthorized or inaccurate information to credit reporting agencies.

3. Request for Thorough Investigation : I respectfully request a comprehensive and diligent investigation into the circumstances surrounding the inclusion of this unauthorized tradeline attributed to Ally Financial. I have undertaken extensive efforts to scrutinize my financial records and have found no legitimate basis for any business relationship or agreement with Ally Financial.
Product: Checking or savings account

I received a text message from ( XXXX ) XXXX The scam email said... 
Wells Fargo : Your account has been restricted from making additional transactions due to some unusual activity. Visit XXXX XXXX XXXX to verify your account
Product: Credit reporting or other personal consumer reports

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting

I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.
Product: Debt collection

Received a bill from LVNV FUNDING LLC, I've never done business with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly handle my recent credit report dispute. I submitted a dispute via mail to address inaccuracies, providing all requested information to verify my identity. However, Transunion responded, claiming my identity was not verified, delaying the dispute process.

Under the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate disputes and make necessary corrections in a timely manner ( 15 U.S.C. 1681i ). This delay violates my rights under the FCRA, as I fulfilled all verification requirements.

I request CFPB assistance to ensure Transunion complies with FCRA regulations and promptly resolves my dispute.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it XXXX concern ; I have filed a few disputes with XXXX XXXX, formerly known as XXXX XXXX. For the first part of my dispute, I never made an agreement with XXXX XXXX  to begin with. On XX/XX/XXXX XXXX XXXX transferred my account to XXXX XXXXXXXX. On XX/XX/XXXX XXXX had approved my buyer protection claim for the charge in question, this was verified by XXXX Employee XXXX Employee ID # XXXX on XX/XX/XXXX during a phone conversation. XXXX XXXX  said they would not honor XXXX terms and conditions. They do not get to make this decision as the credit agreement I entered guaranteed those protections with the use of XXXX  XXXX. XXXX can not unilaterally decided that I no longer am protected because I did not enter into an agreement with them. They can not negatively report on my credit with this either. 

I also filed a fraud claim with XXXX XXXX, which was later approved by XXXX   XXXX  on XX/XX/XXXX. In this approved fraud claim synchrony bank stated that they may re-bill me for the items within 60 days of the approved claim. That time period began on XX/XX/XXXX and ran until XX/XX/XXXX ( give or take a day ). XXXX made no contact during this time window. Instead, after I filed a complaint they attempted to say that the issue had been resolved and I was credited on XX/XX/XXXX. It is impossible to re-bill someone for something when the claim that would require a re-bill hasnt even been approved yet ( Approved on XX/XX/XXXX ). The attempt to hide this and not be forthcoming in their report on the account is fraudulent and I can not be held liable for their unlawful behavior. I have attached all documents to this to show the dates and times. They also state in the approved fraud claim that they would send a letter of explanation with the re-bill, as you will see there is no letter from them with the re-bill ( this was also a 0 % interest purchase for 6 months, that would have had to be specified in the re-bill. ) The only letter stating there was a re-bill was in response to the CFPB complaint on XX/XX/XXXX, well outside the 60 day window. 
Respectfully, XXXX XXXX XXXX XXXX Retired XXXX XXXX
Product: Student loan

Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.
Product: Debt collection

I went to court to make a payment plan on my back XXXX XXXX that I owed. I have been paying them since the beginning of 2019 and I am ordered to pay {$55.00} until its all paid. The money comes directly out of my social security XXXX check each month. I want this cleared up and taken off my credit report since I am fulfilling the agreement. Thank you XXXX XXXX