23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My current Mortgage lender ( Lakeview XXXX they operate under many different names ) is saying that I am missing a payment from XX/XX/year>2023 due to them mixing up another borrows account with my account. Allegedly, they applied another borrowers monies to my mortgage. Now, XXXX months later they are saying I am missing a payment for XX/XX/year>2023. 
I purchased my home on XX/XX/year>2023. I was told Id have XXXX  days to pay my first mortgage payment. On XX/XX/XXXX I received notification that I needed to pay my first payment to my original lender ( XXXX XXXX XXXX  ) so I did- I paid over the phone and can provide receipts.i didnt think it was a big deal that they were asking for it XXXX  days early, i just want to ensure i made a payment. That payment was not forwarded to Lakeview XXXX until XX/XX/XXXX. On XX/XX/XXXX I logged in to lakeview to make a payment but I had no past due balance. I called XXXX to verify and they also said I had no balance due. I resumed paying my mortgage on time every month after that XXXX through XXXX. XXXX admitted to mishandling my personal information but did not contact me about it EVER. It was not until XX/XX/XXXX that I received notice of a past due balance for XXXX because they rebalanced all my payments and allocated my funds to the other borrower. I have never been briefed on what the investigation resulted in or anything. Ive been completely in the XXXX. They allegedly opened an investigation on the missing payment on XX/XX/XXXX and it was completed on XXXX XXXX but again Ive never had this fully explained and they have not come with a solution. The send weird emails from XXXX with grammatical errors and it makes be feel that my information is unsafe. They use so many different names and numbers and I call you from. Lakeview, XXXX, Lakeview XXXX servicing, etc. they are very unprofessional and I am worried that my loan and personal information are being mismanaged and I am being taking advantage of as a consumer. They is not a company I want to be my loan provider. 
XXXX ID XXXX
Product: Credit reporting or other personal consumer reports

I received a notice that my XXXXredit score had dropped. I reported a dispute to all three major credit bureaus. One released it as not my debt but the other two says it was mine. I called the company and learned that my information was put on a lease for an apartment. I informed them that I did not sign any lease for an apartment. I have a home that I have lived in for 9 years. Someone filling in blanks with your information should not make you financially responsible. They sent a copy of the lease but no signature. I was told in order to dispute this debt I had to file a police report and report to FTC. I have never received any information from this agency or the apartment complex prior to placing it on my credit report. This should be illegal.
Product: Credit reporting or other personal consumer reports

Several wrong things on my credit that was paid I did the ground work and it's still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed on my Chex Systems Consumer Report ID : XXXX for Reported Information is fraudulent : XXXX XXXX. I never had a checking account with XXXX XXXX. The account is fraudulent and not my account. I am a victim of identity theft and has a police report on file with Chex Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed the necessary disputes along with my FTC report and Police report and had the fraudulent accounts removed in XXXX XXXX, 2024. XXXX of the accounts ( XXXX XXXX ) was reinserted on XX/XX/scrub> 2024. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than XXXX business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. No such letter was sent to me in accordance with the FCRA. Please delete this account from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My car loan is financed through Exeter. I experienced a financial hardship that caused me to get behind in my car note {$2000.00} which included late fees. I paid the balance. I got back on track with my payments. I mistakenly double paid my car note which showed as a charge in my online account as opposed to a credit so I called Exeter. Nobody ever mentioned outstanding late fees or that the overpayment could pay any outstanding late fees. I just log in and pay what it shows i owe. I log in and it says I owe {$900.00} instead of {$620.00}. I call on XX/XX/22 and am told a request would be made to have the payments applied to late fees and it would take 72 hours. I follow up on XX/XX/22 told its still not done. I call XX/XX/22 and was told it would be done that evening I call XX/XX/22 and the rep doesnt know what Im talking about.
Product: Credit reporting or other personal consumer reports

A closed and unpaid account from 2022 is showing up in my Experian credit report ( not in XXXX or XXXX ). This account was opened in XXXX of 2022 and written off in XXXX of 2022. The creditor is XXXX XXXX XXXX I have never authorized any purchases or loan with this company. I noticed several smilar complaints under the XXXX website about this company. 
I also discovered another person 's name, an adress in a state I never lived in, and a SSN that is not mine are showing up under my personal information. This addressand name are linked to the written off account that the lender Im working with requires proof of payment for.

Experian has no explanation or information on why this account or this erroneous information are linked to me. 
It is extremley frustrating and ridiculous that Experian has no checks in place to avoid entering incorrect information.
Product: Mortgage

Citizens Bank sent tax escrow payment to wrong address. Specifically, the zip code is incorrect. Citizens Bank has a zip code of XXXX showing for XXXX XXXX XXXX XXXX. The correct zip code for XXXX XXXX XXXX XXXX is XXXX. 

See attached documents.
Product: Checking or savings account

on XXXX i deposited a check for XXXX dollars they immediately put my account on freeze and funds on hold and did not say why! i received an email saying the funds would be available on XXXX on XXXX i received an email stating that my funds were put on hold for another 90 days! this is unacceptable! I am now late on rent and might get evicted! the lady that wrote the check was going to write another one but when she called the bank said the check had already been cashed! I dont understand this?! why cant i just close the account and cancel the deposit? why cant anyone tell me more information?! i also did not relize that i was signing up for an online only bank and also would not recieve a debit card! this bank ( citizens ) should be shut down for doing this! i am not the only one that this has happened to!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I've been trying to dispute false information with my credit reporting company Transunion but have been given nothing but the runaround. I've sent in all the information needed on XX/XX/XXXX ; Drivers license, social security, marriage licenses, divorce documents, seperation documents, birth certificate, and typed letter with further information as to what is mine and what isn't. Even resent to the email today XX/XX/XXXX given by Transunion more then once. I pay for services online with Credit Bureau but, can not use their online dispute center because they have combined my info with another girl who lives in California. I am not the only person suffering here, she is as well. I have gone through this battle before with XXXX back in XX/XX/XXXX. The Consumer Financial Protection Bureau helped me get XXXX to perform their job properly. I hope that will be the case with Transunion. The credit bureau has all the information needed to make adjustments. I shouldn't have to call numerous times ; which I have. To fix a problem that they created because they failed to verify information and do their job properly. If it was just me I could deal with the long drawn out process. But this error on their part is effecting my family. No loan provider will touch my credit because of what they let happen. No loan, no house. I will not stand by while my family suffers because of them. Please help me Consumer Financial Protection Bureau ; Thank you.
Product: Credit card

I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid charge off and have proof. On XX/XX/XXXX shows finally XXXX account was paid off on my credit report. Now on XX/XX/XXXX. They put it back as a charge off. This is incorrect information. I fought this since XX/XX/XXXX. Sent proof it was paid XXXX and credit companies finally put comments as paid and settled account paid charge off. Please correct comments back as it was on XX/XX/XXXX as paid and settled. XXXX XXXX
Product: Credit reporting or other personal consumer reports

First called XXXX XXXX my address bar field and put it on my credit report. Second my fed loans satisfied XXXX, XXXX rebilled XXXX took income direvtly from my account. Then XXXX did it again and rebilled XXXX XXXX and again XXXX same amounts nonstop. None are applying for fed loans none. None should. XXXX so XXXX none want to attend a college.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit reporting Act this creditor has violated my rights! Under Article 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 US.C. 1681 section 604A Section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days 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. 


XXXXXXXX XXXX XXXXXXXX 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 8
Product: Credit card

Discover is not posting payments on time. My bank shows an earlier date when payment was withdrawn from my account, and Discover shows a later date. Why is there a later date? Is Discover getting more interest than is due by posting on a later date?
Product: Debt collection

Started a claim with XXXX through XXXX and online on XX/XX/23 after I noticed my credit score decreased due to a collection posted on my report by Southwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called them and could not give me any info besides Name of : XXXX XXXX used my social to open and run account. This account was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emailed them about fraud and XXXX called me back regarding matter and stated that could have been very old account, possibly not recent. Procedure to send to collections to see what they could get back. He understood fraud and would take necessary steps if he was contacted about situation and correction. Called XXXX  back today XX/XX/23 XXXX XXXX  and told me to make a claim on this website to attempt to clear collection from my Credit Report.
Product: Credit reporting or other personal consumer reports

I signed up for Tomoboost and requested to Cancel my membership. After several emails requesting my account be closed they did not Close my account or provide me with information about closing my Account and proceeded to take money out of my account to renew the account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Discover fail to honor their 18 months 0 % APR on purchases & also negligently fail to reduce the total balance after I paid thousands of dollars to this credit card.
Product: Debt collection

I was contacted by my father today, XX/XX/XXXX and told that a " XXXX XXXX '' from the Bad Check Division was attempting to reach me about bad checks I wrote from my checking account. I called this company ( F & M Capital ) and spoke to this XXXX XXXX who told me I wrote 17 bad checks to XXXX XXXX XXXX in late XXXX XXXX and told me that action was being filed against me. I asked for any sort of proof or documentation, and he said that because of the type of loan it is, and because he wasn't the original office where the debt was held, he could not provide me the information. When I asked again, they said they send one Dunning notice and that's it, because " people use certified letters to dodge their debts ''. He emailed me a settlement offer as well. 
I asked him why he disclosed information to my father, which he initially lied, then admitted to. This is not the first company that has contacted me, there was another company from upstate NY that billed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States ( XXXX ) XXXX They threatened legal action, made vague personal threats and said they would come to my job, so I paid them a small payment to get the harassment to stop. That payment was XXXX, but I made no others due to that company providing no documentation. This company today said they had no records from the previous collector, but knew about that amount paid and has an address that is similar. 

I would like this harassment to stop. They contact my brother and parents and tell them personal info, and it is inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a  XXXX    XXXX   credit card in which I also purchased insurance for back  XXXX   XXXX . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in  XXXX  which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had  a 30 30 60 90 late p ayment in  XXXX  after 6 months in which I was no longer responsible for the bi ll. Two t hings are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reporting agencies improperly used my personal business without my consent. XXXX, XXXX and Experian. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.