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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account NumbeXXXX Credit Bureau : EQUIFAX Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}.

Reason for closure : " Credit line closed at consumer request. '' Equifax : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and XXXX report a credit limit of {$250.00}, while Equifax reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and XXXX indicate that the account was closed at the consumer 's request, while Equifax reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXXXX/XX/XXXX
Product: Credit reporting

I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account as it is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This BK keeps getting updated and they are not allowing me to dispute it. I went to the court and they advised me they do not give third parties information and denied me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to complain about this company that keeps pulling my credit without my consent and was told to contact the creditor.
Product: Vehicle loan or lease

I had car leased from XXXX XXXX ( XXXX, NJ ) and at the end of the lease decided to purchase it. The car was financed from XXXX XXXX XXXX  in the amount of XXXX which was disbursed to the dealership on XX/XX/2019. The funds should have been used to pay it off Honda Financial loan but as of XX/XX/2019 it never happened. I dealt with XXXX XXXX, Finance Manager and the general manager at  XXXX XXXX, XXXX XXXX ( General Manager ) who have under the pretense of a recent purchase of the dealership that occurred on XX/XX/2019 continue to find all excuses not to transfer the funds.
Product: Credit reporting or other personal consumer reports

Recently checked all 3 reporting accounts and noticed a lot of inquiries from multiple sources. 
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 Transunion- 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, credit repair services, or other personal consumer reports

Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and three times and  may  vary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  XXXX  or more times. The  one  claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed, black marked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  two  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of -- -- -- -- -- -? I also went as far as the  AG  's office but they are compromised because they collect debt from the original institution which is a hospital.  XXXX   XXXX  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

The company in question is called Credence resource management, they have called on a almost daily basis saying that they are a debt collector trying to collect a debt for an XXXX XXXX XXXX account and phone number that I have never had and I have never had XXXX XXXX XXXX  I have called them repeatedly and told them to stop calling my number which they do not do, and I have contacted my lawyers at my credit repair service to confirm that there is no Credence resource management agency reporting on my credit reports. When they have called they try very hard to get personal information out of me.
Product: Mortgage

CMG Mortgage , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX has failed on its commitments to make timely payments to the county on my behalf, resulting in penalties for my family, and has inexplicably raised the monthly payments beyond what we have agreed on. In XX/XX/XXXX, we closed a 30-year fixed interest rate loan on our home. We now face financial hardship because our mortgage lender is failing to meet its commitments and is failing to discuss and resolve the issue which has become untenable for us. CMG agreed to pay my supplemental property tax bill from the reserves in my impound account. In a written letter dated XX/XX/XXXX CMG stated the bill would be paid in 15 days from the date of the letter. My bill had an amount due on XX/XX/XXXX and XX/XX/XXXX. After contacting CMG Mortgage various times to confirm payment would be submitted I learned from my county on XX/XX/XXXX that CMG never submitted a payment. Our first payment was late and included a penalty fee. I, therefore, submitted full payment with a penalty fee on XX/XX/XXXX. After the County taxes had been paid by me, CMG sent the supplemental tax payment making my escrow account short. The county has returned the extra payment back to CMG, however they are refusing to reassess my escrow account, insisting the account is short, when it is not, and charging me several XXXX XXXX on top of my fixed monthly payment. I have asked CMG to reassess my impound account because the one time supplemental tax bill has been paid and the impound account has been made whole. CMG is refusing to reassess my account and has increased my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.
Product: Student loan

I've called Mohela on and off since XXXX of XXXX, after I consolidated my loans by XX/XX/XXXX. 

I was previously on an IDR plan, but I lost this once my loans were consolidated even though I had reapplied when I consolidated. 

Then I applied for SAVE. I understand federally there have been issues ; fine. But I also reapplied for IDR -- no update on that payment plan, and my payment now is HIGHER than it was when I consolidated. 

In addition, I've worked for non-profits for over seven years. Yet I only see 15 payments for PSLF, which I've been seeing since XXXX even though I've verified my employers and updated my info as recently as a few months ago. 

I've been diligent about paying my loans and am wondering if it's better to just default and see which one of us crashes first. 

Thank you.
Product: Credit reporting

There is a withdrawn Federal Tax Lien Still Showing on my credit report that was withdrawn on XXXX XXXX 2015. On multiple occasions I have disputed this with Equifax, Providing Equifax via fax a copy of the Irs withdrawl form. Equifax continues to improperly report the lien and refuses to recognize the withdrawl.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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 have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with complete accuracy. I have never been late on payments for the accounts that i have provided as an attachment inside this complaint XX/XX/year> and XX/XX/year>. Today is XX/XX/XXXX and my payment is due on the XXXX of each month. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided to me I asked that these payments be updated to PAID AS AGREED and ON TIME a thy should be due to the fact that I was never late. Thank you for your help Please see the attachment provided
Product: Credit card or prepaid card

I applied for a Best Buy credit card, I was told to go into a store to complete my application. After I showed my Drivers License and answered some security questions they told me they could not verify my identity and wait for a letter in the mail. 

The letter in the mail said they could not verify my identity and to call a phone number. 
After calling the toll free number I was directed to go into the store to get my credit card. 

After going to Best Buy a second time I repeated the same process and I was again told to wait on a letter in the mail. 

The letter in the mail said the same thing, I called the number and was told to go inside the store again and repeat the same process.
Product: Credit reporting or other personal consumer reports

On several occasions I have requested a review of my credit report, without receiving a response from the companies because there is incorrect and inaccurate information that is affecting my ability to access better financial and credit options.
Product: Money transfer, virtual currency, or money service

I am writing in regards to Zelles handling of disputes in light of the recent CFPB lawsuit concerning issues with the platform. I have used Zelle many times and reported discrepancies and my financial institution and Zelle failed to investigate my claims adequately. I was told that recovering lost funds was not possible and that they couldnt track the transactions. CFPB findings have determined Zelles neglected customers as well as allowed scammers to take advantage.
Product: Credit card

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. Concora credit 1415 destiny mastercard 2502. 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 funrnish an account with out my written consents. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following iteams of the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any document authorizing DISCOVERBA to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : DISCOVERBA Inquiry Date:XX/XX/19 The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Product: Debt collection

I received a copy of my credit report and noticed something from Pro Collect, I sent a debt validation letter via certified mail. The response received did not properly validate the debt. Instead what was received was a final bill showing a XXXX amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, Capitol one, XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 Sect. 602 A states i have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is Sloan 's error. Like XXXX, it is in forebearance since XX/XX/year>. A demand letter was sent to correct this error and remove these negative items. They have updated the site but not the credit report
Product: Debt collection

XX/XX/2021 : I agreed to purchase a car from online retailer XXXX from for a total of {$23000.00} paying {$7000.00} down payment and financing the balance. I specifically confirmed with the Car Specialists XXXX XXXX that the California XXXX test will be performed on the car before delivery. On the same day paid {$500.00} on my credit card to hold the car until the purchase is complete. Also I submitted a credit application on the same day. 
XX/XX/2021 : I signed the purchase agreement ( the electronic portion ) and the loan documents and wire transferred the down payment balance of {$6500.00}. 
XX/XX/2021 : I received via XXXX  the paper portion of contract that require my signature and return to XXXX, but these documents stated that it is my responsibility to perform the California XXXX inspection and a VIN inspection. On the same day I requested to cancel the purchase and never signed the contract. 
XX/XX/2021 : I received an email from XXXX XXXX at XXXX confirming the cancellation and refund of my down payment. 
XX/XX/2021 : XXXX XXXX the {$500.00} to my Credit Card and on a later date sent me a check for the {$6500.00}. 

The problem I am having is that XXXX XXXX services by CHASE opened an account under my name for the amount of {$16000.00} and is now in past due status. I called and emailed CHASE and they told me that they can't do anything about the issue because the dealership did not send them the cancelation documents. I called XXXX numerous times and every single time the customer service rep say the will transfer me to the specialized department only to left on hold for 45 min then another rep tells me the same exact thing. I tried escalating with Chase and the promised the will work with their dealer management department to resolve the issue but today XX/XX/2021 I am still receiving past due statements from Chase for an account that does not belong to me since I never took possession of the car.
Product: Student loan

This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.