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

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to paid on time as agreed never late immediately!
Product: Checking or savings account

I do not owed bank chase and yet Im not able to open any checking account anywhere
Product: Credit reporting or other personal consumer reports

XXXX XXXX finacial merged with XXXX Mortgage XXXX XXXX XXXX. Both of them are reporting the exact same information on my credit reports. Same info different name. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ATTORNEY RECOMMEND THAT CAPITAL ONE BANK DO A CREDIT ACCOUNT REVIEW ON XXXX ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
Product: Debt collection

On Wednesday XX/XX/2021, I received a call from General Revenue Corporation. They asked me to verify personal information without giving me any information, to which I declined due to the increased phishing and scam attempts due to COVID. Without verification they could not speak to me. That was the end of that conversation. A couple of hours later, I received a call from a previous boss that general revenue corporation had contacted him attempting to get information about me. The representative went as far as insinuating he is my husband and proceeded to tell him that if he could confirm that she would discuss the matter with him. This made him extremely uncomfortable. Not only that, they contacted his mother. I understand harassing me, but my bosss mother? They left a voicemail for her leaving a reference number for her to call. I called them and asked them to cease all contact, because what they were doing was not legal. The representative denied the allegations and did not care that I asked them to the discontinue their attempts to contact third parties. I told the representative at general revenue Corp that I would be taking care of the matter ( they insisted I consolidate my student loans, which I have completed ). However, even after speaking to them they proceeded to call others, this time my brother and mother, and also called my workplace. I have been beyond patient with them, but general revenue Corp has crossed so many lines. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my Navient balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), Equifax conveyed that XXXX XXXX  the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my Equifax credit report is conspicuously missing this critical revolving account and the associated credit history. ( " XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from Equifax 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when Equifax declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with XXXX XXXX regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting Equifax with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including XXXX XXXX in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both Equifax and XXXX XXXX to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fcra, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. I did not authorize or acknowledge any of the inquiries listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open 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 of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states I have a right to privacy. 15 u.s.c.1681section 604 ( a ) section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c.1681 c ( 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 7 years. XXXXu.s.c.1681 c-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person 's knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Product: Debt collection

I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Mortgage

PennyMac is my loan servicer. Prior I had never had any contact ; my loan and auto payments were transferred to PennyMac. Upon needing a new purchase loan, I reached out to PennyMac to start the process and found terms to be good so begin submitting files and allowed a credit report. My business structures have some complexity to them and if you don't understand, items will be miss allocated and counted multiple times. They have always lead to multiple rounds of questions for clarity but never a problem. The agent I unfortunately had did not address any, did not return calls or emails. It took multiple calls to get a manager on the phone. Quickly and not surprisingly errors were found however he seemed somewhat uninterested in work through a more complex financial structure. We are in the process of further reviewing however based on the prior lack of care I don't expect too much more than prior - hopefully calls will at least be returned and critical time no longer wasted. I understand its a busy time and there are easier files but to work in such an industry with such reckless care and communication is troubling. As noted, critical time was wasted but not simply returning calls or emails ; at least to say that this is above their understanding and interest.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers. I am writing to dispute several inaccuracies on my credit report concerning the balances reported for various accounts. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy and completeness of the information they report.
Product: Credit card or prepaid card

I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I  contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- - ; I received a letter from XXXX stating effective XX/XX/XXXX ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. I have disputed this item several times with Experian with no corrective results. ( I have attached copy of the letter stating effective XX/XX/XXXX ALL of my student loans have been forgiven. I previously provided Experian with a letter dated XX/XX/XXXX advising these student loans would be forgiven in XX/XX/XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency did their investigation on this account and stated that the account came back verified. However, I don't believe that this is true and I demand that they provide me with their method of verification. 

As a consumer, I own the right to request all the steps that your agency took to insure these items were properly verified and 100 % accurate under U.S.C. 1681 ( 7 ) Method of verification. Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX-21 ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Product: Checking or savings account

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and during that time my account was hacked and all my money was used on my account i contacted chime to submit a dispute on XX/XX/year> once i did i received a email the same hour saying my claim was denied and i called them back and submitted a rebuttal and now in waiting to hear back from them, i don't believe they properly investigated I've rebuttaled multiple times but they are not properly investigating the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified by XXXX XXXX that there was a change on my Transunion credit report. I found that Transunion had added credit card reporting, defaulted loans information, credit inquiry information and an employer, all of which do not belong to me. These events belong to another person, whom I have disputed previously to be removed. Though this is a family member, in no way can their SSN, name or address be mistaken as mine and added to my credit report. This incorrect reporting continues to happen, and now also reflects their bankruptcy information and closed accounts! This has resulted in a reduction of my credit score at a time that it is most needed. This is preventing my financing for my Solar upgrade to my new home. This will also result in additional inquiries to get necessary financing to validate removal. I believe the issue is Transunion and their use of public unverified information possibly obtained thru a third party such as XXXX XXXX. I feel resolution of this is not being done in a timely manner, nor professionally and have done everything within my power to rectify this prior to this complaint. The individual that is reflected is my twin sister, but as earlier stated, does not have a similar first name or social. She has only recently moved in with me, but this RECENT change would not justify her previous history being reported under my credit report. I state that this issue is ONLY Transunion at this point and want complete resolution and removal of all discrepant information not pertaining to me removed. I am frankly surprised that this lack of identity match is being displayed for me to see which is providing me access to information I think should not be disclosed per FCRA reg 611-615
Product: Debt collection

THIS AGENCY IS TRYING TO COLLECT A DEBT THAT BELONGS TO ANOTHER COMPANY ( XXXX XXXX ) I CALLED THE CREDIT BUREAUS AND WAS TOLD THAT XXXX XXXX IS THE OWNER OF THE ACCOUNT AND NOT NATIONAL CREDIT SYSTEMS. THIS IS A DOUBLE JEOPARDY, TWO COLLECTION AGENCIES REPORTING ON MY CREDIT FOR THE SAME ACCOUNT. DESPITE THAT XXXX IS AWARED ABOUT THE DUPLICATE ACCOUNT INDICATES THEY ARE NOT GOING TO REMOVE IT. THSI IS AGAINST THE LAW. TWO COLLECTION AGENCIES CAN NOT BE REPORTING OR TRYING TO COLLECT THE SAME DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX  report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I believe Affirm Inc. is unfairly impacting my credit by continuing to report a charge-off on my account, even though the debt has been fully paid. 

The account was charged off on XX/XX/XXXX, with a balance of {$110.00}. I made the final payment on XX/XX/XXXX, bringing the balance to {$0.00}. Despite this, the charge-off status remains on my credit report, negatively affecting my credit score.

I understand that a paid charge-off may remain on my credit report for up to seven years. However, I believe it is unfair to maintain this negative mark after I have fulfilled my financial obligation. The continued reporting does not accurately reflect my effort to settle the debt.
Product: Credit reporting or other personal consumer reports

I requested a copy of my written consent and never received it. This account is also on my credit report however it has been XXXX years. This account is too old to be on my credit report. And it should not have been shared with non-affiliates and 3rd parties and non-affiliate 3rd parties without my written consent.
Product: Mortgage

I was approved by the state of Florida for financial help with my mortgage for 6 months starting XXXX first XXXX. The state of Florida sent the first check in the amount of {$1100.00} to the mortgage company SELECT PORTFOLIO SERVICING, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, and when I called them about the payment, they told me that would take 30 days to process the payment. A this point The state of Florida has sent the payments for the months of XXXX, XXXX and XXXX and the bank has not allocated the payments in my account. they refuse to give me a straight answer about the situation. It has been frustrating trying this matter with this company. 
Any suggestion of how to handle this will be appreciated. 


sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL. XXXX. PHONE : XXXX THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the TransUnion and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Product: Vehicle loan or lease

I am a federally protected consumer and the original creditor. I was not obligated to Wells Fargo alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. and so Wells Fargo is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Wells Fargo collected on this alleged debt. Negatively reported on my consumer credit report. I did not give Wells Fargo DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ) ..Wells Fargo did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. l hold Wells Fargo criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.