23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've always had a rep payee and they have always paid the bills in their own name, while taking the rest of my checks and using them for their own purposes. Now I do n't have a rep payee and I had gotten out of prison after 10 years, I did have valid credit cards which were taken and used but no payments were made while I was in XXXX XXXX XXXX XXXX. I have been out of jail now for over 5 years and spent over XXXX of them at XXXX XXXX XXXX home. I started a bank account at XXXX XXXX XXXX XXXX, but since I 'm XXXX and I had to rely on other people 's to do my banking when the weather conditions are too bad, I have been ripped off of over {$150.00} which XXXX XXXX XXXX XXXX refused to help me overcome, they then closed my account and charged me {$99.00} more for this. 
I 'm in a XXXX I ca n't help but rely on emergycare to get me home when my XXXX dies. I ca n't even pay them when my dies on the street and they charge outrageous rates to go XXXX blocks, plus as for my phone bill from XXXX XXXX XXXX, I 'd just pay them and they would tell me I did not pay them and then they 'd cut my service, charging the same amount as I was paying for my monthly service, which was also inferior to other companies services. 
I always pay my debts but am always told that I do n't. 
Now I ca n't open a bank account, get a credit card or even find a job. 
My bills are paid as far as I made legitimate purchases that I 'm actually able and cognizant of making. I ca n't pay for services that I need on an emergency basis and I ca n't cover fees that I was supposed to have made while I was holding on for life or from a hospital room, and I 'm especially not going to pay for costs that I did not make. 
Plus I can see if I just used these services for recreational purposes but I never used any service included herein for any purpose other than what they were absolutely needed for. 
I ca n't even find decent housing and am on the verge of losing the apartment where I currently stay, so what good is it going to do if I ca n't find a place to stay and end up back in jail to keep insisting that I have to pay all these charges when my cell phones were stolen and used without my knowledge or permission while I was at XXXX XXXX. Am I really responsible for these things? And do I really need to pay outrageous fees for things that were either necessary or done in my absence or without even my knowledge?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding my credit report. XXXX XXXX XXXX has mistakenly reported three late payments on my account ( Account Number : XXXX ) for the months of XXXX, XXXX, and XX/XX/year>. 

I have already disputed these inaccuracies multiple times. While XXXX has correctly updated my report to remove these late payments, both XXXX and Equifax have failed to reflect these corrections. This discrepancy continues to affect my credit score and financial standing. 

These late payments are inaccurate, as I have maintained timely payments on this account. I kindly request that XXXX and Equifax conduct a thorough investigation into this matter and promptly update my credit report to reflect the correct payment history. 

I appreciate your prompt attention to resolving this issue. Please confirm receipt of this request and provide an update on the status of the correction as soon as possible.
Product: Debt collection

Williams and Fudge called to ask about student loans of someone who has the same first and last name as me in XXXX. I said it wasnt me ( we have different middle names and social security numbers ). They started calling me again in XXXX XXXX  I called their main office and said it is not me ( again ) and they said they made a note of it. They called my workplace again on XX/XX/2022. They keep calling my workplace for debt that is not mine. I have repeatedly told them I have a different social security number and middle name. In fact I have never had student loans. I have checked my credit report and there is no loans. They gave me the last 4 digits of the social security number of the XXXX XXXX with the loans and they do not match my social security number. I need them to stop harassing me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I happened to take a look at my Transunion credit report and noticed that there was an open collection from XXXX XXXX for a balance of {$760.00}. I tried contacting them but the number they have listed on my credit report is a non working number. It states that account was opened XX/XX/2010 with XXXX. I NEVER opened an account with XXXX XX/XX/2010. XX/XX/2010 I was training with XXXX XXXX and it would have been impossible to open any accounts then. There was also a fraud alert placed on my credit report because there were items popping up that I have no details about. I would like this taken off my credit report because it does not belong to me. XXXX also has no knowledge of any account being opened by me XX/XX/2010. It also states that I was making payments and I am making no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX inquries Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
Product: Credit reporting or other personal consumer reports

Experian has reported 3 negative items on my Account that are incorrect. I want to challenge the accuracy of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

With all  XXXX  Credit Bureaus Transunion,   XXXX   and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all  XXXX  of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the  victim that needs to proof that I do n't have a car or a home. There are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does  not belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00}
Product: Debt collection

I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

SECURITY CREDIT SERVICE Original creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX data breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXXXXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. Also the 3 late payment showing from XXXX XXXX should been deleted for during the COVID Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. I am requesting these acccounts to be deleted. XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} date XXXX XXXXXXXX XXXX XXXX paid off XXXXXXXX XXXX XXXXXXXX paid off XXXX XXXX XXXX XXXX paid off XXXX
Product: Credit card

I opened a new credit card for the sole purpose of BALANCE TRANSFER. The new card that I opened is with Citi. I used XXXX XXXX as the platform to submit my application through the Citi ad that they offer. The card is called, the Citi XXXX XXXX XXXX. It's supposed to facilitate a 15 or 18 month term with XXXX interest. Citi ran my credit with a hard pull. Citi charged me an up front fee of hundreds of dollars for the transfer that they never did. Moreover, after nearly 3 ( three ) weeks, they have not paid my other credit card that is with XXXX XXXX as of yet. I called them multiple times and they advised me on two previous calls last week that it takes 14 ( fourteen ) days meanwhile that period of time passed two days ago on XX/XX/year>. I just called them again and suddenly they can not seem to vet me and said that they can't give me any information on my account. They asked me for my banking information with other lenders in an effort to vet me??? I fell as if I'm being hacked and yet, I'm holding my Citi XXXX XXXX XXXX??? I want my up front fee that they charged me to be refunded in full. I want them to remove the hard pull from my credit file as it appears that it was done without intent of delivering the product that Citi offered in their written ad. I want the interest payment that I just paid on my XXXX XXXX card credited to my new Citi card. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Equifax got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Equifax is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Product: Credit reporting or other personal consumer reports

My account with 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 XX/XX/year>. 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 requir
ed by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

discover bank Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

Got copy of credit report notice error Requested information about debt Filed ftc identity theft report
Product: Credit reporting

I made an arrangement with XXXX XXXX XXXX XXXX to pay a payment in separate payments and they agreed and said that it would Not show late or delinquent and Now it does. I have asked for it to be resolved and they said it was an honest mistake on their behalf and may not be able to fix it according to what we were promised in the begining.
Product: Debt collection

On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.
Product: Credit card or prepaid card

I have a Lowes Advantage Credit Card issued by Synchrony Bank, Acct. On XX/XX/2021 a promotional interest was added to my account in the amount of {$2500.00}. 

1. On XX/XX/2021, I called Lowes to inquire about the interest charge and was informed that the interest charge related to a promotional balance that was not fully paid by XX/XX/2021 and that I had a 30 day grace period to pay the promotional balance and avoid the promotional interest. While on the phone with the representative I made a payment of {$2700.00} ( more than the promotional balance ) and was informed the promotional interest would be removed. I was verbally informed my new balance was just above {$3000.00}. 

2. On XX/XX/2021 I noticed that the promotional interest had been deducted and added back to the account in two separate transaction, having the effect of not removing the promotional interest. I again called and was informed it was removed. 

3. The same scenario occurred on XX/XX/2021 with the effect of not removing the promotional interest rate. 

4. See also XX/XX/2021. Each time Lowes/Synchrony Bank deducts the interest and simultaneously adds the same interest back resulting in the original promotional interest remaining on my account. 
For this scenario to repeatedly occur does not appear to be accidental.
Product: Mortgage

My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.
Product: Credit reporting or other personal consumer reports

I contested the validity of the accidents and information that XXXX XXXX  reported. Had they researched the information the information they list would show it was not me. I have not had a louisiana drivers license for almost 10 years. It was suposed to be fixed and i went to buy insurance which is now double the price due to the false information on the lexus nexis report.