23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification on my credit report of a bill in collection from Professional Finance Company. I viewed the bill and knew it did not belong to me. I called the company and told them this was not my bill it was an error. I then made a dispute with XXXX to have it removed from my credit report on XX/XX/2022. I received a notice on XX/XX/2022 stating it would not be removed the company has satisfied proving it was my debt. I contacted the original creditors which is XXXX XXXX XXXX via phone they confirmed I do not have any outstanding debt. XXXX sent me a billing statement reflecting a XXXX balance. I also have electronic statements. stating a XXXX balance. This company is fraudulently reporting I have a debt of {$7900.00} from XXXX and XXXX is allowing them to report fraudulent information.
Product: Payday loan, title loan, or personal loan

Borrowed XXXX. Payments are XXXX weekly. I was told payoff is XX/XX/2022. Now was told 9 more payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Technologies improperly obtained a 92 month Verification of Mortgage for my property. Based on the total amount of late payments listed on the Verification of Mortgage ( VOM ), they magically created dates of these late payments. My mortgage servicer ( XXXX ) never provided the dates for these late payments. Credit Technologies and XXXX attempted to hide this supplemental report from me. I was able to obtain a copy of the VOM from XXXX. 

I was working on a new FHA mortgage application with XXXX XXXX. I requested that XXXX XXXX perform a " Verification of Mortgage ''. I told XXXX that I wanted them to perform the Verification of Mortgage and not to use a third party. XXXX engaged with Credit Technologies for a verification of mortgage without my consent. 

Credit Technologies sent XXXX XXXX a " Verification of Mortgage '' with no specified end dates. They received a 92-month verification of mortgage from XXXX. The verification sent by XXXX contained the total amount of 90-day late payments, 60-day late payments, and 30-day late payments. The form did not specific the dates from these  late payments. 

My mortgage with XXXX went through a Chapter XXXX and Loan Modification in XX/XX/2015. The XXXX mortgage was not re-affirmed. Therefore, I was very cautious on what information a 3rd party credit agency obtains on this discharged debt. 
Thinking that XXXX was obtaining a 12 month VOM, I was shocked when Credit Technologies performed a 92 month VOM. Ive also very confused on how Credit Technologies generated the SUPPLEMENTAL REPORT based on a 92 month  verification of mortgage which didnt have specific dates for the late payments. The supplemental report they provided to XXXX somehow extrapolated dates for the late payments. How did they make up these dates, as I confirmed with XXXX, that they didnt provide this information to Credit Technologies. 

Credit Technologies made up these dates and numbers in the supplemental report. In addition, the total number of late payments do not match the late dates in their own report. The report they states 6 60 day and 1 90 day. However, the dates they made-up in their report equals 7 60 day and 2 90 day.
Product: Mortgage

I act as a closing agent. I remitted mortgage payoff funds to XXXX XXXX XXXX via overnight USPS. Funds were never cashed. XXXX transferred loan servicing to Nationstar Mortgage. Nationstar ultimately contacted borrower to advise of late payment on a loan that was believed to have been paid in full in preceding month. This resulted in me tendering a new, greater payoff amount to Nationstar. When attempting to contact XXXX, all calls roll-over to Nationstar. Customer service at Nationstar is nonexistent. I have a similar occurrence on another transaction.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card or prepaid card

I purchased a vacation package in XXXX of XXXX in the amount of {$1900.00} and used my Comenity XXXX XXXX to pay for the purchase. I received an email from the company on XX/XX/XXXX, reminding me to send back, among other items, a copy of my ID to activate my package. I began to become suspicious and responded to the email on XX/XX/XXXX, saying I wanted to cancel, that I would not be able to use the vacations. I realized it was a scam when the charge still went through. I had auto-pay set up and Comenity attempted to debit the payment twice, but I did not have sufficient funds. I was dealing with medical issues with family members as well as working and finally contacted Comenity, around XXXX or XXXX I believe, to tell them I had been scammed. I kept being told to call back which was difficult to do while working. When I would call in, I was subjected to hold times as long as XXXX minutes or more. When I would finally reach someone I would get vague non-answers. The last person I spoke with, near the end of XXXX, finally told me they were waiting for a copy of my cancellation letter/email to the company as proof. This had never been communicated to me previously, despite the numerous times I had spoken with Customer Service. I uploaded the cancellation email on XX/XX/XXXX to the Message Center on the Company 's website per the Representative 's instructions. I spoke with Customer Service today, XX/XX/XXXX, and was told they " are still working on it ''. This has gone on far too long and is unacceptable. Comenity also lowered my credit limit which I do not agree with whatsoever. I have also had repeated fraud with this account and wonder why Comenity is not protecting its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using Experian to fix my credit and I have some major concerns. There report isnt as accurate at XXXX or XXXX. I have 7 accounts which have been paid on time without any issues which their own reports reflects. All 7 are current with no lates in last 2 years. My 4 % credit utilization went to 0. I have no collections, and XXXX removed a bankruptcy that isnt mine and its taking an act of Congress to get them to remove it. I followed everything they asked me to do for 2 years and my credit score dropped 23 points this month and the only thing changed was an account which they said I owed {$45.00} which I paid off in XXXX was corrected by them. There has been no negative information on my credit for 2 years but they still want me to keep paying this {$25.00} per month to fix it but even following their advise is not getting results. This makes no sense and when you get someone on the phone they cant explain it. I want the exact reason why it dropped 23 points in XXXX with 2 years of nothing negative.
Product: Credit card or prepaid card

On XXXX XXXX deposits were made buy the ODJFS un employment of Ohio un the amount of {$4800.00} and {$900.00}, I was made aware of this by correspondence. I called the relia card number with the correct card number and it indeed said that there was two deposits made to the card. I go to the us bank to make sure and the balance said XXXX, I call several times and the deposit amount did not change the balance still said XXXX I contact a tier2 relia card rep and was told I had no other cards out there that this would have posted to and she had no record of this deposits even after I told her the transactions number abd that I had contacted a rep at unemployment. I called 6 times on XXXX XXXX. Everyone of of the reps had a different answer. I called the entire week and on XXXX a relia tier 2 rep tells me that the money was on an inactive card. I said how could this be that it was inactive? Plus it was on the active card 3 days ago that someone had to transfer it from their system. So she said the only say i would receive this money is if a new card would be sent. This is after a prior supervisor told me she would transfer the funds and that did not happen. So once i got the tracking number i look on XXXX which I was told i would have the card in 2 business days it was send to another address by that tracking number. The ups driver validated identity. So the same tracking number was given go 10 people. The tracking number did not match what was logged onto the relia card system. i called XXXX at XXXX am spoke to a supervisor. He promised me that i would have my card today XXXX, I received the tracking. number and the same has taken place. Card are being mailed out to residence with other peoples tracking number. My address and name was correct package at XXXX not the tracking number. I could not use that card as the supervisor made it inactive when he ordered another card. THERE IS FRAUD GOING ON WITH THIS COMPANY. I STILL DONT HAVE MY CARD OR THE FUNDS I WAS AWARDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is governed by 15 USC 1681. And they have violated my rights. I request that the accounts be removed. according to 15 USC 1681, I have the right to privacy and did not give XXXX or Experian permission to publish the accounts listed below XXXX XXXX XXXX XXXX XXXX  ( This is an account with XXXX XXXX  I'm unfamiliar with ) on my XXXX report it is the only inquiry XXXX XXXX XXXX - Also on my EXPERIAN report XXXX  XXXX -- -EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I accepted federal student aid for college in 2017 from Ed Financial. My parents paid the interest between 2017 and 2020 on the loan amount. I graduated in XXXX  2020 and paid the remainder of my federal student loans in XXXX  installments and they were paid in full by XXXX 2020. 

In late summer/early fall of 2022 ( I am in the process of obtaining my phone records ), we contacted Ed Financial to inquire if I qualified for student loan XXXX  even though I had already paid the loans in full. I was told by the customer service representative that I was eligible and they could send me a check in the amount of {$20000.00}. I received a check in XX/XX/XXXXXXXX  2022. There was no verbal agreement of the terms and conditions or a document to sign indicating my knowledge and understanding of the terms and conditions. 

In XXXX  2023, I began receiving emails indicating I had a balance in the amount of {$20000.00} plus interest and my payments were past due. Of course, I thought this was a mistake so I began calling Ed Financial. Please see the attached phone call log documenting each phone call to Ed Financial. 

I was never informed this forgiveness was expected to be paid back in the future. I would never have accepted the forgiveness check if that had been explained to me. My parents wouldn't have worked hard to pay the interest while I was in school, for me to then pay my entire loans off in XXXX to then turn around to owe them again. 

After I made XXXX phone calls to Ed Financial since XXXX  2023, the customer service representative indicated in XXXX  2024 that this was a XXXX refund and I am required to pay the money back. She also said my loan is in " XXXX XXXX '' and has been since XX/XX/XXXXXXXX  2024 although there has been no resolution. This will hit my credit in XXXX  2024 and will ruin my perfect credit score. 

In all phone communication with Ed Financial prior to XXXX  2024, they indicated that they had changed loan servicers and that it was most likely a system error because they could see my loans were paid in full. It was never made clear to me until XXXX  2024, that I am actually likely being billed for the XXXX  check. Ed Financial has committed acts of unfair, deceptive, misleading, and abusive practices. 

Thank you in advance for helping me hold Ed Financial accountable and helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to DELETE immediately : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion and credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Student loan

On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.
Product: Mortgage

I opened up XXXX mortgages with HSBC. Part of the agreement for getting a preferred rate was to open also a XXXX XXXX and deposit {$100000.00} which would get an interest of 0.01 % because they were giving me such a great mortgage rate. They also said if the account dropped below $ XXXX that I would be penalized {$50.00}. Since the loan and the account were connected it was assumed that when I refinanced with another bank that the stipulations would end with the mortgage loan from HSBC. But, it turned out that they continued to deduct $ XXXX/month for 2 months after I ended our mortgage relationship. Point2 : It was an exchange of interest points between lower mortgage rates and a LOW interest rate on my money to wash the cost of the money against $ XXXX sitting idle in the account. Point2 : The account and the mortgage were linked and should have been separated when I move my banking. Point3 : I spoke with XXXX XXXX XXXX who basically said it did not matter that I moved my mortgage that the account has a mandatory limit regardless of the mortgage position. This makes no sense to me, I 'm not a banker.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 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 never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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