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

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX 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: Checking or savings account

I got my Skylight One Bank though my first job that how my employer paid my paycheck. 
I received temporary card and no incorrect charge was posted. When I received my permanent card with my name on card that month I notice incorrect charges and they were all from the state of California XXXX ride XXXX XXXX. I live in XXXX Florida over 3000 miles away one day I was paying for XXXX  XXXX in XXXX Florida a XXXX  ride in California was get charge to my card at the same time and the bank did nothing. Give notice of FRAUD to my Skylight One Bank Card they said they would investigate problem then received letter claim was closed. Then I received a new Skylight One Bank card I call they told me it was mail to me because of Data breach. Since then I have received 3 cards with same issues and they never can tell when and what they did to investigate these issue to give me back my money. Skylight One Bank when calling them about this issue you get put on hold for 27-30 minutes. Skylight One claim they will send you a itemize statement that never arrive. Then you start have problem login in account to get the basic information. Next Skylight One know you only speak English they transfer to customer service that don't speak English which make you start the process all over again.
Product: Debt collection

Elan Financial Service Account number XXXX Account status Closed Date opened XX/XX/2016 Credit limit {$1000.00} This account does not belong to me and is currently involved in litigation. 
This account is incorrectly placed on my credit report causing harm to me. I have reached out and disputed the accuracies of this account. 
I demand this be removed from my credit report.
Product: Mortgage

Greetings, Since XX/XX/XXXX my loan was transferred to Mr.Cooper/XXXX from XXXX. In the month of XXXX my payment for the loan went to XXXX at the time as I was not aware that my loan transferred. However, the payment was send via online banking ( bill pay ) to XXXX who reported that the payment was send to Mr. Cooper/XXXX. I have supplied Mr. Cooper/XXXX with bank copies of transaction history for XXXX and XXXX that support my mortgage payment was send and processed out of my account for XX/XX/XXXX payment. Mr. Cooper/XXXX continued to report false information to FICO/credit bureau that I am behind on my payments and continues to charge me a late fee. XXXX Mortgage also confirmed that the payment in XXXX was sent to Mr. Cooper and denied any claims that I was missing any payments. XXXX has continued to mislead me as a consumer in this matter, this matter has caused great stress, anxiety and interferes with my family goals and purchasing power. 
XXXX sent to XXXX Mortgage in XXXX That payment was sent to Mr. CooperXXXX XXXX Mr. Cooper reported that payment was sent back to XXXX who denied such claim and knowledge of payment being sent. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a personal loan, and the bank came back notifying me that I have a freeze. So I called Equifax first because I assumed it would be with them since my XXXX XXXX app showed Equifax not updating for some time now. When I first called, the representative I spoke with had told me that there was no freeze which shocked me. So I ended up going to the other bureaus and the freeze was not with them either. So I called my bank representative back and told them that all three bureaus had said that my accounts were not frozen, so i am not sure what to do now. So the bank rep did a little more digging and reached back out to me letting me know that the freeze is showing up at Equifax. So I called back and spoke with another rep, I told them that i just called and was told that my account wasn't frozen, but my bank rep was saying that i do have a freeze with Equifax and I need to get it lifted. So I went through the process again of giving them all my info and now they are telling me that they can't tell me if my account is or is not frozen and I am being required to send in additional info to prove my identity. I get the fax number from the rep and verify all the required info and I asked how long it will take. They tell me that it will take 3 - 5 business days. So I reach back out after 8 business  days to give it a little more time and they tell me that they haven't received anything from me. I asked them if there was an office I can go to in person because this is now getting very frustrating and they tell me no, that I can either re-fax it or send it by mail. Well I told them I don't feel comfortable mailing all my personal info and I am not going to re-fax it because it obviously doesn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was frauded via Zelle and you cant get money back once you send it via Zelle. I never knew. They do not help with getting funds back like if I was to use my credit or debit card to pay for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I retained Freedom Debt Relief to help me with my credit card balances since I new I was going to be laid off in the near future after contacting them. I had 4 CC bills I wanted to settle, They told me for a set rate they can negotiate my debts and eventually get my credit cleared up. They gave me a name to a litigation service that works with them for an additional {$XXXX} per month but told me it was rare for that to happen. Last summer XXXX I was sued by a creditor in which I had to involve the litigation firm, then they told me I had to raise my payment over $ 250/month. They told me I just didn't have enough funds to pay this. Now a year later I just received another Summons and i am being sued by another creditor listed with them, that they did not settle and told me it was a small one and they needed to wait til the creditor was ready to negotiate. So again they tell me I don't have enough in the account they have for me to pay this. 
I feel they have done nothing but scam me on this. Prior to obtaining them I researched them online and saw good reviews. Apparently I didn't research enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments have been paid as agreed from the beginning with XXXX XXXX hospital since 2016. Yet they posted account to collections agency XXXX XXXX on my credit report. I contacted XXXX XXXX in person and on phone they admitted there was a mistake on their accounting system because they had multiple accounts set up and when Payments were made they were not applied to each account collectively. They stated they would remove the collection from my reports. At this time they have not honored their statement to remove from my credit report.
Product: Debt collection

I have gotten 4 voice mails for my husband's niece for a creditor. They have left messages on the following dates and times:
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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.
Product: Credit card

This account was opened in 2014, I never received any card nor any communication from the company. The credit card was never used nor were there any charges ever filed on this account. The card was never used because I never had custody of this credit card. I've asked numerous times to remove the card from my credit report because it's hurting my credit score. The Credit Card company eventually closed the account due to inactivity but never removed it from my credit report and continues to report it to credit rating companies; including : XXXX, XXXX, and XXXX. This has caused me to lose a job opportunity with XXXX XXXX due to many closed accounts. 

This account needs to be immediately removed from my credit report meaning a full deletion because I never used this card and who ever opened the account never charged anything either.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report
Product: Checking or savings account

I opened this account in XXXX, I was never able to use the mobile banking feature so I constantly called them everyday to try and get this issue resolved. I was never able to get them to fix that problem even right now as of today. So I gave up on getting it fixed, i had to call the number on back of the card to hear my balances or if I wanted to transfer funds out of one account to another. It became exhausting and frustrating. I reach out to customer service and I let them know that if this problem doesnt get fixed that I am going to close my account sometime soon if this problem continue to make my life miserable, I told the representative that I will step into a branch when I decide to close the account, so that I can withdraw the money I had available to me at that time. XXXX days later I am trying to make a purchase with my debit card and its repeatedly being declined, when I call now Im getting transferred to the fraud department to confirm transactions, after confirming all the transactions my debit card still doesnt work. One of the reb explains to me my accounts are being closed and that the bank has chose to end the relationship, I then ask when will I receive the funds out of the account, I keep being told that I will receive a letter in the mail explaining more information. I still have not received any letter m, the accounts are not closed, and I still have not received my money from either checking & saving account I have with this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXX Adjusters XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data Miscellaneous Inquiry Date : XXXX XXXX, XXXX Factual Data Miscellaneous Inquiry Date : XX/XX/XXXX I don't recognize these hard inquiries and my credit was pulled without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so! 
Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!
Product: Credit reporting, credit repair services, or other personal consumer reports

Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts
Product: Vehicle loan or lease

I got a car back in 2012 from XXXX. It always had issues. The first day they had to replace the oil pan. I was paying the payments on time for 2 years then the third year they said I should have been paid off I moved out of state and the car got totalled. My insurance didnt pay for it. They repoed it due to me loosing my job in kentucky and i tried to get them to extend my payments so i can pay it off come income tax time and pay it off. They refused and sent it to my credit. Its been on my report for a while. Im willing to pay on it if the payments were low but i feel im not intitalled to all the fees they put on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to XXXX that XXXX XXXX  accounts were removed.
Product: Student loan

I co-signed for a private education student loan for my nephew in XX/XX/XXXX in the amount of {$9900.00}. I finally was able t re-pay the loan back XXXX ( plus interest ) totaling {$11000.00}. Recently, Navient Solutions XXXX XXXX XXXX XXXX sent me a bill for {$5500.00}. I immediately called Navient customer service to explain and was asked to submit proof to the claim department ( which I did XXXX. Several weeks later I received another invoice, I called again and asked to speak with a supervisor. But without resolve and being placed on hold for long periods of time as well as being transferred from customer service to claims to other supervisors was asked again by Navient to provide a payment history. I asked if they would do the same so I can compare it to what I 've sent over the years but have only been told they 're experiencing technical problems and my payment records are n't available. I 've faxed and mailed check dates, numbers and amounts but still no resolution. Under the Fair Credit Reporting Act, Navient is obligated to provide a detailed summary of all payments received by date and amount. As of today, they have not done so. What is my recourse? How can I get the protection I need to resolve this problem? I am a consumer and stuck in the vortex of a large federal organization who 's common practice is to provide unfair customer service to students, seniors and veterans. The customers services representative and supervisors are deceptive and change their names. I know I spoke to the same reps several times but they swear its not so ... What are my next steps? The more I call Navient, the more excuses I receive ... .If this is happening to me I know others experiencing the same frustrations. Navient is located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX.