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

XXXX has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my Experian file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Product: Credit card

I paid my Macy 's American Express balance in full by phone on XXXX XXXX, 2015 in the amount of {$820.00}. On XXXX XXXX, 2015, I received a billing statement from them saying I owed a past due amount of {$24.00} and they charged me a late fee of {$35.00}. I called immediately and reviewed this inaccurate information and it was the first time I was notified I had a balance since paying in full in XX/XX/XXXX they apologized and immediately reimbursed me the amounts in their error. They turned around and lied and reported me for 30 days late. I want this removed immediately from my report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX XXXX to my XXXX my XXXXXXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed/updated. 

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! 

XXXX5 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. 

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XXXX 2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with XXXX credit bureau and 1 time TransUnion to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from XXXX. Transunion documents I couldn't get but their investigation also failed and negative mark still exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see complaint ID XXXX. This is my second complaint with Transunion on this exact same issue. The company responded on XX/XX/XXXX that the late payments on XX/XX/XXXX and XX/XX/XXXX for the XXXX account in question were to be removed. They did remove them and updated my credit report. Then on XX/XX/XXXX those late payments were added back on. We are closing on a home in a little over 30 days and need this to be permanently taken care of. We have spoken to XXXX, and they say that Transunion is reporting this. Then we call Transunion and they say XXXX is reporting this. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( s ) in question is/are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i had a case that was closed erroneously in there favor. They are continuously reported late payments during the investigation which is not fair to me. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the 30-day timeframe required by the FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IQ DATA misled the XXXX XXXX courts by saying I owed amount that were not correct. In fact they never served me papers. They submitted fraudulent documents like contractor supply lists and one of them is dated 2013, and i was in Texas at that time, and I can prove this. This, in my opinion is a retaliation case due to the fact that it was previously dismissed, and I have documentation of this. This company is causing my family severe hardship and has caused us to become homeless. Also, this was a JUDGEMENT, not a COLLECTION. They can not attempt to hinder me by reporting it as a collection if it is a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has made an incorrect item report on my credit report. I was not an authorized user on the account as XXXX credit was sold to XXXX XXXX. There is no contact at synchrony any longer to have this issue taken care of in regards to a XXXX credit card. As I call XXXX XXXX there is no evidence as me being an authorized user on the XXXX credit card. They are unable to remove the item from my credit report. I made a dispute on my equifax.com in XXXX and it is still pending. I need some direction as to how to get this taken care of and cleaned up as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX  Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CITI Account XXXX Documented Inconsistencies : XXXX. Account # XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident
Product: Debt collection

Caine and Weiner came in to the picture after providing them proof we ( a texas business ) did not owe the debt. We have proof and provided them with the signed contract of a past customer. This ex-customer signed the " no refund '' policy came on to our property damaged it. Ruined a prime weekend rental then contacted their XXXX XXXX Our XXXX XXXX refused the charge back ( rightfully so ). Then came the scammers and XXXX 

They attempted to collect a fraudulent debt. Then they harrassed us daily with calls, letter threating to ruin our credit. This is a federal violation of law. We submitted a certified letter warning them against this. They continue to this date with their XXXX inspired XXXX, collection attempts. XXXX then placed a collection account AFTER our letters and proof were provided. This is FEDERAL harasement and they continue to do this to others. Check with the XXXX  and XXXX office in TX and FL. They are investigating these scammers. Please review the attached docs. We need criminal prosecution. This company is operating as a criminal enterprise.
Product: Credit card or prepaid card

Well Fargo Bank, N.A. is violating my right as consumer this a fraudulent account # XXXX i provided Wells Fargo Bank, N.A. with a FTC identity theft report also a Police report they ignored my dispute.. Wells Fargo also violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report this account was electronically created..
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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. also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX  has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Tuition continued to climb during my time at XXXX XXXX and we were never informed about compounding interest. My current student loan debt is now over $ XXXX and I XXXX XXXX  years ago. I am not able to afford just the interest accrual monthly so my loan debt continues to rise
Product: Credit reporting

Over XXXX years ago I was on a note with my ex husband. We divorced, he let auto get behind. I talked with XXXX. Paid the amt told to pay without having a repossession on my credit. They still reported it as paid charged out. Can i please dispute this and get it removed. I paid over XXXX dollars to prevent this. Thank you.
Product: Debt collection

Convergent Outsourcing is reporting that I currently owe them {$1100.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet Experian refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

We contacted XXXX XXXX XXXX about a refund for XXXX separate charges in which we were to receive a brand new phone number, as our emergency cell phone was ringing off the hook. Each time they sent us a RECYCLED number, which had the same issues of non-stop calls and messages from people we didn't know. 

XXXX XXXX XXXX said they had 'no apparatus ' to start a refund, and that if we wanted a refund to 'contact our bank/credit provider. ' We were told this over 5 times. 

We contacted PNC bank and started a dispute. PNC bank contacted us and refused, stating no billing error had occurred, even though we explained it was not a billing error. 

I contacted a manager in the dispute department at PNC, to whom I explained what had happened. She stated XXXX do not dispute prepaid phone charges ( Which makes no sense ) and said she would 'resubmit ' the disputes after I explained what had happened with the purchases. 

PNC notified us they had once again declined the disputes as there was no billing error. For over one month I have tried to contact the dispute department manager at PNC. I was told on XXXX separate occasions that she would call back the same day. She never did. 

I contacted XXXX XXXX XXXX, our PNC Private Client Advisor, who notified this manager that she should contact us as it was urgent. She never called. The dispute department says she is 'busy ' when I call, and refuse to connect me with her or another manager. 

Today, XX/XX/22, I called and PNC Private client advisor XXXX, MLS ID # XXXX ' stated that both the dispute and retail service departments had declined my phone call. There is a woman named XXXX XXXX XXXX who supposedly is in charge of this problem, and I have emailed her XXXX  times, called XXXX times and have yet to hear from her ( She did actually call at one point, but has not tried to contact us again, despite repeated attempts. She also never answers her phone. ) I'm so fed up with this ; this is beyond dispute, as XXXX XXXX XXXX has stated specifically to contact our bank. The bank is taking the position to do nothing, which is hard to believe.
Product: Credit reporting

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, Transunion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending tree and I have a contract and they forced me to give them my ssn and they ilegaly got my credit score and ilegaly and knowingly passed my credit score to a tun of banks and I didn't see any benafits fromthat but a promisary note was created and my privet trust was fleeced and I can't tell you how many times this has gone on but I can tell you alot. To much and I'm not going to stand for it. Lending tree wants to act like their not a lender so they can keep their hands clean but that's not the way XXXX works. See those banks are their partners and as a consumer that was forced to give up my ssn I have to see benafits or they are comiting credit card fraud. XXXX says ssn is a credit card fraud and if I dont see benafits then they are breaking the law. Now they block me from doing anything on their website. It just says denied every time and it don't do that for anyone els. Iv talked to them on the phone iv emailed them and reminded them of the consumer credit laws and it was ok at first. I had a auto loan for {$150000.00} and 2 home loans for {>= $1,000,000} and they disappeared. I tried to buy a car and they just wouldn't give my my credit. So 15usc1602 says my credit is my property and I'm the creditor. 12cfr1002.7and regB says they have to give me my credit if I want it. Lending tree can't just put the blame on the banks. And just say they aren't the lender. Of course their not the lender banks don't evin have money to loan. They take it from our trust and them charge us for our owen money plus intrest. Now that a fraud on another level and I will mot stand for it. I blalieve its 42usc1431 says banks are the borrowers. But I have the case laws to prove it. And I want what's mine. It's only right. 42usc408 I balieve says I have to see benafits or its credit card fraud. They can't evin ask me for my social that's a crime and it's not an ID.
Product: Mortgage

Predatory mortgage servicing : Specialized Loan Servicing is manufacturing a default on our mortgage by manipulating the escrow account. 
SLS recent analysis XXXX XX/XX/XXXX XXXX stated an escrow shortage of {$2800.00}, SLS has failed to manage our escrow account with safeguards in place to ensure there's enough money in our escrow account to cover our property taxes and insurance premiums. 
SLS has disbursed funds to us in XXXX and XXXX of overage funds in escrow account. 
Our home of 26 yrs. and we are on a fixed income is NOT able to pay {$2800.00} due to their unscrupulous service. 
We requested SLS to remove the escrow shortage due to their negligence in the amount of {$2800.00}.
Product: Debt collection

I have no recollection of what this bill is for. I never used an ambulance in this past year,