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

We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XXXX of XXXX, and finally again XXXX of XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.
Product: Debt collection

I sent a debt validation letter to this company XX/XX/XXXX. They have failed to validate and it is now XX/XX/XXXX. In results they have removed but added it back under a different name but same address
Product: Credit reporting or other personal consumer reports

In response to my complaints to Equifax, they stated that all the inquiries I had disputed were not on my file as indicated. However, upon reviewing my credit file from XXXX XXXX, attached XXXX, I can see that my concerns are still present on my credit file. Please find the attached document for reference. 
Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. This are all the unsolicited hard credit inquires 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 card or prepaid card

I contacted Comenity Bank to schedule XXXX monthly payments of {$200.00} to pay off my XXXX credit card. The Comenity Bank agent only scheduled XXXX payments and I was charged a {$30.00} late fee for their mistake. This was a recorded customer service call and Comenity Bank refuses to remove the late fee for the mistake their agent made. The minimum payment due was only {$22.00} and the scheduled payment was supposed to be for {$200.00}. I have tried to contact Comenity Bank to correct their mistake and their agents are unwilling to listen or assist.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year>, I have experienced multiple instances of Equifax reporting a different score ; despite providing me with a score of XXXX. Specifically, multiple merchants received a score of slightly over XXXX and most recently XXXX received a score in the XXXX. I believe this is being done in retaliation of me bringing this to the attention of CFPB, XXXX, and reporting on multiple social media sites. I'm tired of dealing with the undue stress, mental anguish, and denial of credit related to their efforts to knowingly, willfully, and maliciously report a low score to cause me harm. The companies involved are willing to provide documentation and be deposed if need be. I'm trying to get this matter addressed at the lowest level and in the most convenient way, however this seems to be impossible. The companies confirmed they do not use modeling.
Product: Debt collection

This debt is not valid, the debt is already delete on all XXXX credit bureaus. Please delete immediately.
Product: Debt collection

I got a call from my father a few weeks ago about this collection agency trying collect a debt from me that was 10+ years old. They told my father what I owed on the debt and that I was in trouble.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

SXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Late payments verified response Can you state what law says you have to report a Transaction as late payment? 


The only way a corporation can possibly report a payment as late falls under XXXX XXXX XXXX XXXX - Timing of payments ( 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 no later than 21 days before the payment due date. 



Can you provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section XXXX ( b ). 


If not I need this inaccurate information removed The FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Timing of payments XXXX XXXX XXXX XXXX request the Deletion of all transactions listed as late on my consumer reports. 


You have obligations to report accurate information on a consumer report XXXX XXXX ( b ) The fair Credit Reporting Act XXXX XXXX XXXX and its sub chapters does not require a consumer to call any creditor or furnishers of information to get any item that is inaccurate or incomplete on a consumers file to get deleted. 


The Burden of proof is on you the consumer reporting agency to furnish accurate information XXXX XXXX XXXX ( b )
Product: Mortgage

On XX/XX/30, I received an email from PennyMac about lowering my interest rate on my mortgage currently with them. I spoke with a loan officer XXXX XXXX and asked him about fees. He said because I was a current customer that it wouldn't cost me anything. I specifically asked about what it would cost multiple times and he said I would pay nothing. I asked if the fees were rolled into the principal and he say no. He said they take it from escrow but then add it back to escrow on the back end. 

Because he explained there was no cost, I applied and he pulled my credit report but then later said there was {$6500.00} in fees. 

I have left multiple messages a day for XXXX XXXX, his supervisor XXXX XXXX and another manager XXXX. No one has returned my calls. 

I would like the credit inquiry reversed since they obtained it under false pretentions.
Product: Mortgage

I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.
Product: Debt collection

I have recently noticed 2 collection accounts from midland funding appearing on my credit report one for {$1900.00} and another for {$1500.00} with XXXX  XXXX as the original creditors that I never received any written notification for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Innovis Consumer Assistance regarding inaccurate accounts being reported on the Consumer report please see dispute. On XX/XX/XXXX, I received correspondence from the CFPB regarding complaint # XXXX and the response Innovis informed the consumer financial protection bureau that it did not recognize my complaint. In the original dispute I submitted a copy of my social security card and my illinois state ID with identifiable information confirming my identity. I disputed an account reporting by XXXX XXXX XXXX that I was not approved for this loan under acct ending in # XXXX. That account should have never appeared on my personal credit report that account is under a corporation and by the document it states that I was not approved for this loan. Is XXXX XXXX XXXX committing underwriting fraud with XXXX XXXX XXXX by switching contracts? The letter dated XX/XX/XXXX states that they were not able to approve my application for the amount of {$66000.00} please see letter as proof that the loan was denied. On XX/XX/XXXX, case ID # XXXX please see letter as evidence that Innovis intentionally misled the Consumer Financial Protection Bureau by stating that they alerted the CFPB of the discrepancy there is no discrepancy when it comes to doing a thorough investigation on all accounts that were disputed on the original correspondence dated XX/XX/XXXX Innovis is in violating of 15 USC 1681 i ( a ) for failing to conduct a proper investigation on the following accounts. 
1. Account : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : ******** XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX Failure to conduct a thorough investigation is a violation of case law that is currently in all district courts and appellate courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting XXXX late payments on my account : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. I have attached a payment confirmation proving that a payment was made in XXXX. This late payment is inaccurate. The vehicle was sold in XX/XX/XXXX and I no longer had possession at that point. The account was paid in full and was NOT late in XX/XX/XXXX. This is also inaccurate.
Product: Credit card or prepaid card

Filed charge back request by telephone ( case number XXXX ) with Bank of America for {$82.00}, based on consumer fraud incident at XXXX XXXX store number XXXX. XXXX XXXX technicians falsely guaranteed they were installing the specific lubricant I ordered for my vehicle, when in fact they knew they were installing a different lubricant. They also caused damage to my vehicle in the process. 

The BofA claim processor explained that I would receive a refund on my credit card and refused to take any of the documentation I offered to fax or email. 

B of A then sent the attached letter dated XX/XX/2018 to deny my claim for lack of documentation. I called the XXXX number listed on the letter to complain about BofA 's so called " investigation '' The BofA dispute officer explained that I failed to submit separate signed letters from 2 independent mechanics to verify that XXXX XXXX installed the wrong lubricant. I explained that BofA 's documentation demand was impossible to satisfy because no mechanic is capable of identifying the chemical composition of a lubricant. Nevertheless, BofA refused to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 XXXX XXXX XXXX CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I have an account that is showing in collection status for a former debt owed to HSBC XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender HSBC.

I dont owe the bill twice and ask that the HSBC showing as collections from another law firm for HSBC be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this HSBC bank was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
Product: Debt collection

I signed up for XXXX XXXX XXXX XXXX  to include, cable, internet and mobile. At onset, the XXXX agent I communicated to did offer a bunch of discounts and stated these discounts were good for XXXX years. Additionally, I was informed they had no deals on wireless phones so the phone I had from XXXX that was malfunctioning due to how old the phone was ( over 7 years ) would have to do. Well, most if not all the other carriers offered a free phone or an upgrade discount well not XXXX. My cable services included basic channels and XXXX. My services cost was as follows mobile XXXX XXXX and the change would fluctuate on every bill, and for cable and Internet {$100.00} {$120.00} as it also fluctuated greatly. Then as time went on cable services went up to {$180.00} and kept climbing as well as mobile. Things only got worse from there as the Internet speeds were never fast or moderately slow. The Internet was always going down for long periods of time and getting a credit as XXXX advertises during a service outage is foolishness. I XXXX and had to explain to my company why our meetings were always being interrupted. Well, this didnt stop XXXX from trying to sell me faster Internet speeds. XXXX Internet speeds never mount up to what they are advertising as my Internet speeds seemed like dial up. The service outages also effected the cable as all of it went offline. I would always try and call and would talk to someone XXXX  or an extremely rude customer service disgruntled worker that at times yell and cut a person off from talking. Only after I waited on hold for up to or over an hour. When I moved, I was assured everything would be easy as XXXX promotes a smooth transition when moving. I didnt want to keep cable services as I was moving to a different city with cable services already started and paid for. XXXX threatened me and stated my mobile bill would go up and why couldnt I just add more services, they would not take no for an answer. Additionally, XXXX could not explain why my last bill tripled since I joined. Their half-baked answer was basically you are no longer a new customer, and we no longer need to entice or promise you anything further. The broadcast fee was also an issue as I asked about it many times and I was always told this fee was mandatory and I could do nothing to lower it. Additionally, the cancellation notice I sent states XX/XX/2024. However, on XX/XX/2024 services hadn't been cancelled as I was informed they would be as the line was tested, Lastly, XXXX refused to update my address because I didn't want to keep cable and Internet services after I moved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and placed freezes on all three credit reporting agencies. Equifax was the only company I had difficulty with, when attempting to remove the freeze so I can refinance my mortgage. 

When I called to remove the freeze, I had my code ready to key it in and prove my identity which is what the letter noted I had to do. I did not make it past the four questions. So I waited and was connected with XXXX in the XXXX. He would not tell me why I could not remove the freeze. To make this situation worse, I had difficulty understanding XXXX due to his accent. After a very long and difficult conversation, I sent in copies of six documents proving my identity - Drivers license, Social Security Card, legal paperwork showing my name change back in 2010, the letter confirming the initial freeze, and a XXXX bill. The documents were sent certified mail so I had a confirmation of receipt. 

When I called five days after the receipt of the documents, navigating the phone system to speak with an employee proved difficult, I had to call three times. Once I was connected, the person was difficult to understand. I had her repeat her words multiple times. I think her name was XXXX. She did not show the documents were received and asked for an Equifax confirmation number. I explained I sent the documents via mail and did not have an Equifax confirmation number. 

Please note I sent in my legal name change paperwork after my divorce in 2010 and my name is still not updated. There is a note on my credit report that specifically states I was divorced and changed my name. 

What I need is the freeze removed permanently and my legal name changed on my credit report to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX
Product: Debt collection

Im not sure of the dates because i receive a call every day its a pandemic and I am not able to work