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

I have a complaint regarding XXXX XXXX XXXX and how they are reporting payments received. 

XXXX XXXX XXXX is reporting XX/XX/year> XXXX payment as 30 days late in error. XXXX was paid on the XXXX. Originally XX/XX/year> Mortgage payment was reported late. This was disputed and updated in my favor only to have the late payment move to XXXX unexpectedly. I have tried multiple times to get Equifax to remove the late payment, but they indicate that it has been verified as accurate and my repeated attempts are frivolous. 

XXXX XXXX XXXX has admitted that XXXX was not reported as late to the credit agencies but stands firm that it is XXXX that is now showing in XXXX. My concern with this is that XXXX already showed as late and was removed because it was also an error. 

Although both XXXX and XXXX were paid late, neither were paid late enough to be reported to the agencies. XXXX states that XXXX was received after the close of business this is a false statement. XXXX Mortgage payment was received at XXXXXXXX XXXX. on XX/XX/XXXX and their business hours are XXXX XXXXXXXX XXXX Monday Friday. They also state that for a payment to be posted to the account on the same day, it must be received before XXXXXXXX XXXX  This is also a false statement. Prior to XX/XX/year> payments were posted/credited on the same day scheduled. After XX/XX/year> they are not posted/credited to my account until they have cleared my bank account. 

Proof in point, XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until XX/XX/XXXX. XXXX was paid on the XXXX at XXXX XXXX and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until the XXXX. The Consumer Financial Protection Bureau states that payments are to be credited to the consumers account on the date of receipt not when the funds are deposited into the creditors account. Additionally, the CFPB allows for reasonable cut-off times, but it states that cut-off times shall not be before XXXX p.m. So, the statement made by XXXX regarding received after close of business is a FALSE statement. I repeat their business hours are XXXXXXXX XXXX  Monday XXXX and the payment in question was made at XXXXXXXX XXXX on XX/XX/XXXX. This is before their close of business and before the XXXXXXXX XXXX. time allowed by the CFPB. 

Multiple payments have been posted incorrectly. Thankfully only XXXX and XXXX have posed a problem. This is unfair credit reporting and needs to be addressed and removed from my Equifax credit report immediately.
Product: Debt collection

Every other day since XXXX XXXX theyve been contacting me through email and text messages after Ive selected not to be contacted through messages. They constantly try different tactics to collect a debt. They are a third party company called LVNV Funding LLC.
Product: Checking or savings account

They would post my deposits after any checks on the same days and then charge me numerous over draft fees. I finally ended up closing my account and they still charged overdraft fees on that.
Product: Debt collection

In XX/XX/XXXXand XX/XX/XXXX, I was hospitalized at XXXX XXXX XXXX  Hospital ( Original Creditor ), which is a charitable hospital subject to Section 1.501 ( r ) -6 ) of U.S. Code : Title 26 - INTERNAL REVENUE CODE, which proceeded with an  ECA - extraordinary collection activity by sending my hospital bill of {$1300.00} to a collection agency despite knowing I was eligible for their hospital FAP due to my income and knowledge that I was a recipient of Extra Help with my Medicare plan due to my XXXX and low income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The hospital knew I was no longer living in XXXX   because I told them I was moving to XXXX AND my former roommate returned all mail to them. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX in XXXX, and unable to receive any mail and did not have an address yet. Within one month of my release, the hospital, despite never actually contacting me, sent my bill to  XXXX XXXX who put me into collection AND raised the hospital bill to {$150000.00}. 

THE COLLECTION AGENCY ADDED {$140000.00} IN UNIDENTIFIED FEES AND CHARGES. 

THEY ALSO WOULD NOT VERY OR SEND ME ANY DOCUMENTATION OF THIS DEBT STATING I HAD TO GET IT FROM THE HOSPITAL. 
I have no documents or correspondence from them, as they refused, and the only proof I have is a credit report.
Product: Debt collection

Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.
Product: Credit card or prepaid card

On XX/XX/23, I used my card ending in XXXX to purchase several items on XXXX due to their XXXX XXXX event. The transactions went through without any problems. However, the following day on XX/XX/23, I noticed I could no longer view my entire card number online, which is a feature US Bank offers ( See Picture XXXX ). Consequently, I called in only to have several representatives tell me all my accounts were closed. I soon called the XXXX number to get an idea why all my accounts were closed and the representative told me it was because of gift card purchases on my card ending in XXXX ( See Picture XXXX ). However, the transactions are still pending and will later be reversed because the transactions have been refunded. So all in all, it seems US Bank waited for me to complete the {$2000.00} minimum spend requirement ( XXXX XXXX XXXX ) to get the signup bonus valued at {$500.00} on the card ending in XXXX and then closed all my accounts a day later without notice.
Product: Student loan

I have asked for my monthly payment to be reduced before but was declined because I do n't qualify. Supposedly make too much combined with spouse. When I first applied for loans I was misinformed about the interest rates. I was told that the rates would be less because it was a federal loan. I did n't learn of my outrages interest rates until recently. I owe roughly  XXXX . By the time I were to magically pay this loan off with interest, I 'm looking at  XXXX ! I 've had to call and postpone payment before because the payments are too high, meanwhile accumulating DAILY interest rates. What a joke! If I were correctly informed from the very beginning of how horrible these loans are and how it is unrealistic to repay, I would 've never gone down this path as most students do.
Product: Credit reporting or other personal consumer reports

This marks my fourth attempt to communicate that I've fallen victim to identity theft. I'm raising concerns about certain entries in my records that stem from this crime. These entries do not reflect any transactions I've initiated or authorized, involving purchases of goods, services, or money. If my situation is being overlooked, I request the removal of any significant information related to alleged fraud or deception from my credit record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, repeatedly blocks my credit card without any reason. Always pay my bills on time never been late. XXXX doesnt apply my scheduled payments in a regular manner. Puts my payments on hold for no reason. XXXX apply XXXX pressure on the customer and unnecessary stress by applying these tactics. This is not a normal bank behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've reached out to XXXX numerous times throughout the years, in the beginning of last month of XXXX I sent them XXXX letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. XXXX is not complying with their own policies in a timely manner is also a problem for me.
Product: Debt collection

Hayt, Hayt and Landau has called several times in an attempt to collect a debt on behalf of XXXX XXXX XXXX. Calls began Friday XX/XX/2019. I contacted Hayt, Hayt and Landau at ( XXXX ) XXXX explaining I do not have an account nor have I ever with XXXX  XXXX XXXX. I further explained they are attempting to scam me and I will contact the authorities if they continue. Of course, they have continued with more calls XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a complaint with the XXXX # XXXX. The XXXX responded stating that the office of Hayt, Hayt, and Landau does not have a attempting to collect a debt case on file against me. However, Hayt, Hayt and Landau continued to call XX/XX/XXXX, requesting I call Ms. XXXX at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX,XXXX  XXXX XXXX  XXXX , GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had 3 fraudulent derogatory marks on my XXXX credit report and 2 fraudulent derogatory marks on my TransUnion report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX XXXX of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with XXXX and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both XXXX and TransUnion from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by TransUnion or for double the amount and have increased the original 3 derogatory marks to a total of 7 derogatory marks by XXXX. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both XXXX and TransUnion.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX  balance {$10000.00}, XXXX  XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$460.00}, XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX  balance {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 17 open accounts with XXXX XXXX that were placed in forbearance as part of the Cares Act back in XXXX of XXXX. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to XXXX in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the XXXX agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through XXXX, which has to be done through the mail. During the most recent call with XXXX, the agent began laughing as I was asking a question relative to the latest information being reported by XXXX to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from XXXX, TransUnion, and XXXX  ( PDF also included showing examples ) : XX/XX/XXXX XXXX  - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XXXX Payment History Reported Transunion - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XXXX XXXX  XXXX Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  XXXX Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XXXX Payment History Transunion XXXX Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX XXXX  - Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XXXX/ XXXX Payment History Reported Transunion - Account Statue - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX, XXXX or XXXX XXXX  - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX Transunion - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite having used Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings highlight that Zelle has failed to protect consumers effectively and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Bank account or service

This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees.
Product: Debt collection

An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in 2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a report from LexisNexis and they are reporting a bankruptcy on my report. I disputed this information as the bankruptcy information is incorrect. Under the FCRA, only information that has been verified and is accurate is permitted to be included on my report. LexisNexis states that they verified the bankruptcy through PACER ; however, PACER does not verify that information contained within their files is accurate pursuit to FCRA guidelines. Furthermore, the Bankruptcy court does not verify information either. As a result, LexisNexis is violating the law with respect to reporting this bankruptcy on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report through the app  XXXX   XXXX . I noticed that there was an account on the report that had several errors in it and I disputed the account online through TransUnion. I waited for an investigation result asking for verification of the documents that the credit bureau used to validate this account and none were provided when I called on  XXXX  to check the status of the report the agent told me that the results were given online and that the account was validated by calling  XXXX   XXXX  and they referring that the information was correct. I asked the agent again what documentation did TransUnion have at the time that they validated this account and I was referred back to obtain documentation from  XXXX   XXXX  I asked to speak to a supervisor because I was aware that I could ask for validation of an account and the documentation that was used the agent told me that they were within the correct reporting rights and that there was nothing that she could do. I asked to be transferred to a supervisor the supervisor then told me that the account by verbal confirmation was validated through  XXXX   XXXX  again asked her what information did they have in their files at the time that the information was given she notified me that there was no documentation given. I told her that this was a violation that there are several components that need to be verified before the account can be placed on the credit bureau she again told me that this is within the rights of the credit bureau I told her that if she did not have documentation or could not provide any that the account needed to be removed until the documentation could be given. She said that she would not do that and I told her that I will be filing a formal complaint