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

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX 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: Mortgage

In 2020 my hours at work were cut due to COVID and with that I reached out to my mortgage company Amerisave to inquire on any programs they may have. They allowed me to enter a hardship assistance program where I would not have to pay my mortage with the understanding when things return to normal I could return with my payments. 

I have been working with Amerisave to attempt and enter a partial claim and or loan modification. There have been issues with both and I am currently behind approx {$30000.00} however I have been paying the regular monthly payments for about 9 months now. 

I was never advised of the specifics regards the partial claim and that it would be added to the end of the mortgage and essentially become a lein against the house in which I would have two ( original mortgage and now this partial claim ). 

I would like to re-modify the loan however they are not able to supply a payment that is at or below my current one so that has not worked out. 

I am not struggling where I cant pay off the estimated {$30000.00} that is owed and because of that it shows I am behind on my mortgage for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household
Product: Credit reporting or other personal consumer reports

I disputed my personal information with Equifax on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthyness. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 my Credit report was pulled for a pre-approval form XXXX XXXX. Minutes after my credit was pulled I received multiple calls from XXXX  ( lender ). XXXX was attempting to sell me mortgage loan options. The representative indicated that Equifax has a " deal '' with XXXX - providing them with notifications of credit pulls from other loan institutions. 

I find it hard to believe that an initiation responsible for maintaining credit information is able o leverage/sell my private information without consent. Could you please verify. 

Numbers I received calls from : XXXX XXXX Thanks!
Product: Debt collection

I contacted all three credit agencies explain it was a fraudulent account on my credit report. XXXX has removed it from their account the account holder is XXXX {$620.00}. I called XXXX explain to them that this collection agency needs to provide proof of signature that I sign for this account I already knew they can not. This collection agency refuse to talk to me telling me I need to contact a lawyer that is unheard of and I'm trying to resolve something that's not mine. XXXX refuse removal from my credit profile. Anybody can open account under someone's name online but they still have to show proof of signature that's very important.
Product: Student loan

I am having a very difficult time making my private student loan payments through   XXXX   XXXX  . They offer little to no repayment plans that fit my budget. I am on the interest-only repayment plan, but when I checked my statement it said that I was on an income-sensitive plan ( which the company does not actually offer ). When I spoke to a representative about it today (  X/X/17    @  XXXX  ) he said that I could not submit pay stubs to determine my " income-based '' repayment plan because they do not offer one. I feel this is false advertising and gives false hope to a struggling borrower.
Product: Credit reporting or other personal consumer reports

One man in financial ran my credit more than once. I was not informed of this when it happened. This was on XX/XX/year>.
Product: Payday loan, title loan, or personal loan

Every week for XXXX weeks I have contacted Affirm by phone and email to access my account online. They continually tell me they are updating their records and will email me. I have not been told my account number and have no access to statements. I wish to pay my account off and I am unable to because I do not have my account details. I will not pay over the phone which they keep suggesting when I am not even sure where the money is going. They have never sent me a statement digitally or by mail.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Mercedes-Benz Financial Services regarding the refund of my Guaranteed Asset Protection ( GAP ) insurance and other purchased packages. Despite my efforts to resolve this matter directly with Mercedes-Benz Financial Services XXXX XXXX have yet to receive the refund I am owed. 

Account Information : Account Holder : XXXX XXXX Vehicle Identification Number ( VIN ) : XXXX Date of Vehicle Surrender : XX/XX/year> Issue Description : When my vehicle was surrendered, it included several packages that I had purchased, namely Wheel and Tire Protection Plus, Guaranteed Auto Protection ( GAP ), XXXX XXXX, and Extended Limited Warranty. None of these packages had expired at the time of repossession. 

According to the contracts, there are reimbursement policies for repossession, which entitle me to a refund for the unused portion of these packages. 

Despite multiple attempts to contact Mercedes-Benz Financial Services XXXX XXXX have not received the refund check for the XXXX insurance and the other packages. 

Attempts to Resolve : I have reached out to Mercedes-Benz Financial Services on multiple occasions via phone and email to request the status of my refund. Each time, I have been assured that the refund was being processed, but to date, no check has been received. 

This lack of action has left me with a balance from the repossession still reflected on my credit report, causing further financial harm. 

Request for Assistance : I am requesting the Consumer Financial Protection Bureau 's assistance to ensure that Mercedes-Benz Financial Services fulfills their obligation to issue the refund for the GAP insurance and other packages as stipulated in my contracts. The delay and lack of communication on their part are unacceptable and have caused me significant inconvenience. 

Please let me know if any additional information is needed to process this complaint. I appreciate your attention to this matter and look forward to a resolution soon.
Product: Credit reporting or other personal consumer reports

Hello Im very concerned about fraudulent inquiries that were made on my consumer report.

I did not initiate this accounts please remove as soon as possible. Im in the process of buying a home and there should not be activity on my consumer report. Thank you for your help. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX joint account with XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # XXXX has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also stats a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with JPMCB HOME LENDING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HOME LENDING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX  and XXXX, and JPMCB HOME LENDING with no successful resolution. XXXX, XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPB Complaint ID XXXX XXXX XXXX  Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!

15 U.S. Code 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.
Product: Credit card or prepaid card

On XX/XX/XXXX  a charge of {$350.00} was charged to my card. I was told by the merchant that this charge was a declined transaction, and was not processed. I have been disputing this since I saw it on my account, and asking for proof of signature or any receipt from the transaction. I have sent multiple documents to the company to get this removed. Neither the merchant nor the company have given me any proof of the debt, and this transaction was not made by me.Therefore, it needs to be removed immediately from my account.
Product: Checking or savings account

The amount was {$27000.00} when the account was closed on XX/XX/year>. The account was opened in XX/XX/year>.
Product: Debt collection

i have an account that you are reporting that is not mine my information was stolen and used to open up this account but this company is still reporting it on my credit and has it on their files to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from Experian and Equifax and identified several unauthorized accounts, including student loans, credit cards, and charge-offs. Specifically : Experian has failed to properly investigate fraudulent accounts under dispute, including : XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX is XXXX multiple fraudulent accounts and charge-offs, including : XXXX XXXX, XXXX XXXX XXXX XXXX Charge-off ( {$3700.00} XXXX XXXX XXXX XXXX Fraudulent student loan ( {$67000.00} balance ) Comenity Capital/Cart 30 days past due Upgrade XXXX Charge-off Total XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Unauthorized and closed accounts Additionally , I found fraudulent hard inquiries from : XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Experian and Equifax have failed to take appropriate action . The fraudulent accounts remain on my report, and Experian has opened a dispute without any resolution or movement. Their lack of proper investigation is a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) is currently suing Equifax and Experian for their failure to conduct real investigations. Given this, I am concerned that my dispute is not being handled appropriately.
Product: Credit card

Unfair business from creditor. 
I had an Old Navy Credit Card since XXXX. I have never looked at my balance. I just paid online every month. In XXXX, I reviewed the statement on line and there was an item of {$19.00} and {$8.00} which I am sure this item was not mine. I went back to all the statements in XXXX and XXXX, Old Navy has been billed me the same amount every month. I have contacted Old Navy in XXXX XXXX but I got direct to the machine system. Then I sent a letter in XXXX. Old Navy promised to refund me the money that they have mistaken billed me since XXXX. Again, same item shows on my XXXX statement but under different name. The statements of XXXX and XXXX showed the transaction under XXXX but the statement of XXXX XXXX shows Miscellaneous Adjustment three time with the amount {$19.00} and {$8.00}. 
I am seeking your help to solve this problem. I have been contacted Old Navy Creditor many times since XXXX and seems like they did not want to solve this problem. 
Old Navy have treated me unfairly. 
I appreciated your attention with my matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an long term on going issue. I have sent out my documents on numerous times and I have done everything asked of me from XXXX, Experian and XXXX yet and still I am unable to pull my reports. There is something going on my reports and I am unable to participate in credit but can't figure out the issue because I can't get the reports. I have verified that there are no alerts yet I can't pull anything. XXXX in particular I can't even pull with my credit monitoring. I'm loosing money and this is really having an effect negatively on my life.
Product: Credit card

I applied for a promotional consolidation credit card with Liberty First Lending that offered a 5.99 % APR on their credit card up to {$28000.00}. They did a soft credit inquire and took other personal information. They said that everthing looked good and would transfer me to the underwriters department to process my request. The hold music stopped playing and I then was instructed to leave my name and number on the recording. I couldn't reach anyone afterwards. Their contact number is XXXX :
Product: Debt collection

I called Portfolio Recovery to pay delinquent balances. They referred me to XXXX XXXX XXXX XXXX and stated they were in charge of the accounts. when I called XXXX XXXX XXXX they stated that since I was XXXX XXXX they could not accept payment and were closing my account and sending it back to Portfolio Recovery. I called PR again and was transferred multiple times until I reached the Vice President of Litigation who claimed that they did not have the authority to speak to myself or XXXX XXXX my accredited Financial Counselor about my two accounts and that they were also refusing payment. I Told them that if both companies were refusing payment than I had no choice but to consider my account paid in full.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom it may concern ; I am writing to request that you freeze my account and not allow access unless specifically authorized by me. Additionally I would like to opt out of presented credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that Bank of America took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, Bank of America reported me again to XXXX in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a XXXX XXXX. My mom & I sat down as I returned from XXXX and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on Equifax. We contacted XXXX & XXXX XXXX bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both XXXX XXXX & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see Equifax is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), XXXX XXXX credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & XXXX XXXX. XXXX did their job and removed it for Fraud. XXXX XXXX has not. How did a large national bank such as XXXX XXXX allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.