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

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Debt collection

XXXX XXXX sent my bill to Hillcrest collection agency in the amount of {$2700.00} without any bill or notification. XXXX XXXX refused to allow me to cancel services on a house I no longer own. They have sent no bills or notification letters asking for payment. I have on several occasions attempted to contact them to no avail. I have also emailed them to try and resolve this issue. All my calls go to a voice mail and are never answered. This issue has been going on for close to a year now and it has affected my credit to the point where I am unable to get a loan. XXXX XXXX says I owe {$2700.00} for another 5-year contract. I contacted Hillcrest collection agency and explained the issue and I was told that they did n't care even though that this account should n't even exist. I do n't know what else to do to resolve this issue. I just want XXXX to cancel my account and stop causing me and my family problems and I want this removed from my report. XXXX XXXX is a fraud and they should n't be allowed to collect money they are not owed.
Product: Student loan

I am former XXXX XXXX XXXX XXXX XXXX most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( XXXX XXXX ), as I stated previously I was unaware that I had any private loans. I requesting the loan be closed based on fraudlent pretense.
Product: Mortgage

I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing me.
Product: Payday loan, title loan, or personal loan

On XXXX I applied for a credit card consolidation loan. ( XXXX XXXX ) This was approved on that date. This loan amount was {$80000.00}. As a part of this process, I took advantage of a favorable interest rate reduction of .25 % by supplying the account numbers for each credit card that was to paid off. This included the credit card number, and card verification code. This was validate real-time by SoFi 's XXXX as shown by an error for one card I'd entered that it claimed was under a different name. ( This error was erroneous, as I believe they included my middle initial for that card. ) Later that day ( XXXX ) I noted that a disbursement of {$12000.00} was made to one of my cards at XXXX, and {$300.00} was deposited to my checking account which is also at XXXX. However, there was a third account at XXXX that did not receive a distribution. I checked the other accounts at other institutions ( XXXX XXXX, XXXX, Bank XXXX XXXX ) to see if they'd received any distributions. They had not. Each subsequent day I continued to log in to each of those financial institutions ' online banking sites to check on the status of a payment. There were none from SoFi. 

I contacted XXXX on XXXX to alert them to what I believed to be a problem. They refused to assist further as it hadn't been 3 business days since the distribution. I pressed them for transaction verification IDs for the XXXX. Either the agent did not have this information, or she refused to provide it to me. I said I'd wait until the 3 business days were met. 

I called again on XXXX as there were still no distributions to the other financial institutions. As I spoke to the agent, he agreed to open a request to check on the disbursement of the funds. He noted that it will take 24 to 48 hours to complete the investigation, and that they would let me know. Meanwhile, I am still accruing interest on the accounts in question AND interest on the SoFi loan that started on XXXX. 

My belief is that it should NEVER require a customer to point out a failed XXXX transfer. Customers do not have the information necessary to investigate failures. ( In particular, originating institution information and XXXX transaction IDs. ) Instead, SoFi should have the technology and processes in place to validate the successful transmissions and either re-transmit or work with the customer ( me in this case ) to correct any issues found. In this particular case, the apathy of the SoFi customer support team is benefiting SoFi ( they still have the funds ) and harming the consumer ( the consumer is now paying two interest accruals ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer rights. Also I noticed that there were incomplete and inaccurate information being reported on my consumer report. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy and information concerning the individual about whom the report relates. XXXXXXXX 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: Checking or savings account

On or about XX/XX/year> my Retirment CD  was changed to an XXXX plan. I was not advised via mail or via a telephone call that it was renewed for five years at a very low rate, without my permission. Should I withdrawn my funds from the annuity I was advised by the bank that I would incurr more than {$7000.00} in penalties. 

When I was transferred to the Manager who was involved in charging this penalty he was rude and his explanation literally made no sense. When I told him I did not receive notice that the annuity would be renewed, his response was that they did provide me with notice of renewal. 

It must be stated that I never received noitce of the renewal. No one contacted me about what occurred. I know one employee at the bank is aware that it waw not fair to me, aned that I did not receive notice. If she speaks out in my favor they will terminate her. 

Please help me. kINDLY REVIEW THE DOWNLOAD OF DOCUMENTS
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my TransUnion credit report. Upon reviewing my credit report, I noticed that there is an inquiry that I do not recognize and did not authorize. This inquiry is listed as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per my records, I did not authorize or initiate a request that would result in a hard inquiry from the above-mentioned company. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unauthorized inquiries from my credit report. 

Therefore, I respectfully request that you investigate this inquiry and, if found to be unauthorized or erroneous, remove it from my credit report. Please provide me with written confirmation once the inquiry has been removed, or let me know if any further documentation is needed for your review. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX  transunion and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with transunion. 
the account number is different that all the rest. it is reporting as {$3200.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating XX/XX/XXXX, XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumerXXXX XXXX XXXX XXXX Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency XXXX XXXX but on XXXX it says {$3200.00} XXXX XXXXXXXX XXXX  Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX, then on XXXX it has a totally different name. 
It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. 
this is not correct. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have more then 15 years that i dont have a credit card, or bank loan, i triyed to get an apartment and they told me i cant get cause my credit is bad, i used to have credit card in 2001 an i paid them all i want to know whats is the problem that i have
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - contacted Experian regarding my XXXX Experian Credit Works Premium membership. I noticed the amount increased from {$12.00} to {$15.00}, but I was not notified in advance about the changes. A representative was trying to help me regain access to my account since I went ahead and submitted the payment today. Instead, she ended up changing my services over to Basic and advised she was not able to switch it back to my XXXX discounted rate.
Product: Debt collection

Lift Credit filed a garnishment with my employer with no prior notice or legal documents given to me. When I contacted Lift Credit they told me that is was in regards to a loan given almost 3 years prior. I advised them that I had no knowledge of the loan and I needed proof of debit and the agent refused to send that to me and said that she would have to talk to her manager. I tried calling back the company the next day for the info, and they advised me that the agent I needed to talk to was n't there and that they would have them call me back and I never heard from them again. <P/>- They have refused to provide me proof of debit - They have never emailed me or mailed me any details - The information on the loan that they were willing to share with me was out of date and invalid. Over 10 years out of date! - No legal notice was provided to me that they were planning on taking me to court so I could represent or protect myself. - They company on the phone has refused to provide me any assistance. They told me the only way they would help me is if I take legal action back against them. - The were very unfair not giving me a chance to get this corrected or reviewed. - They were very deceptive on what info that would provide and what things they considered valid reasons for taking action against me. They would present things one way and then do another. - Not to mention, I do n't know how it is legal for any company to charge 300 % APR
Product: Debt collection

It all started back in XXXX of XXXX, I had to relocate to another location for business. I used XXXX XXXX however I think they registered it as a different name, XXXX XXXX. My name is XXXX XXXX. On XX/XX/XXXX at XXXX XXXX  ( Arizona Time ) I received a call from XXXX, which rang once than hung up. I called back the number which the lady that answered represented herself as Convergent Collections asking for XXXX XXXX and that she couldn't explain herself until I advised that I was XXXX XXXX. XXXX XXXX is the alternative name I use for my wife 's account with XXXX since I prefer that name, not my legal name. She wanted me to verify the address which I provided my current address but she said it was wrong. Then proceeded to give me hints as far as the name and spelling of the address. After that was confirmed she mentioned that the bill was from XXXX XXXX and was for a total of {$21.00}??. (? is in place because I do not remember the change amount. ) I advised that XXXX XXXX does not exist and is not a valid person and asked for more information on the debt, as far as date of birth or social used. While looking for this information, she specifically stated the following : " It is only {$21.00}, I would hate for this to be used against you. '' At this time I again stated that I dispute the vidaility of the debt and told her that the company has a time limit on when they need to respond. She advised that the company is quick and I will have an answer in the mail. 

The fact that she did not verify date of birth to confirm who she was speaking to is in fact the debtor and threating that this will be used against me if I do not pay is outrageous. I can only imagine how many times people give in and play along because they do not understand that debt collectors are limited on what they can do and say. I bet there are hundreds if not thousands of people being treated the same way.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

One Saturday XX/XX/2021 I send XXXX us for my XXXX grandma to my aunt using the system where the money would be available on her debit card to get supplies for my grandma, day past she I was told the money didnt get delivered, waited to see if would get an email stating an issue or call nothing today is XXXX the XXXX called money gram days up and days all Im being told is being held and they dont know why, putting me out of XXXX dollars more because my grandma needed supplies shes on her death bed, money gram couldnt even tell me when the money would be delivered the most info I got it could take up to 90 days no email confirmation on the fact my money is stolen by money gram
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I first disputed XXXX XXXX XXXX Acc number XXXX on XX/XX/year> sending it Experian and XXXX XXXX XXXX. In accordance of 15 USC 1681a ( permissible purposes ) Intend to use the information in connection with a credit consumer on whom the information is to be furnished and involving the extension of credit. In 15 USC 1681I dispute complete accuracy of my report. On XX/XX/year>, I sent another debt validation to XXXX XXXX XXXX Certified mail and it was sent back. Im now questioning how did XXXX and Experian verify and validate debt, with me the consumer not getting any document from debt collector in 60 days. I will sent a pre-arb demand letter to XXXX and Experian with evidence of each violation which is XXXX dollars each.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I apply for a diamond card account with Comenity capital bank application number XXXX was denied because according to XXXX XXXX my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for XXXX XXXX to have my information I got denied credit base on their incorrect information
Product: Money transfer, virtual currency, or money service

Bought a money order XX/XX/year>2023 and made it out to " XXXX XXXX XXXX XXXXXXXX '' for the fee for a passport which I didn't use but could not use or cash it. Tried many times to request a refund but never got one. Please Help!!!!
Product: Mortgage

Between XX/XX/XXXX ( after the issuance of the XXXX for XXXX installment statement ) and XX/XX/XXXX, Bank of America bought down the principal balance associated with this account. According to the information and representations provided to me on XX/XX/XXXX during a telephone call starting at XXXX to customer service at XXXX by XXXX, a Bank of America employee, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed during this call the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX. 

On XX/XX/XXXX during a telephone call starting at XXXX to XXXX, Bank of America represented to me there is currently no written determination on appeal addressed to me issued by an Appeals Specialist of the Appeals Department as far back as XX/XX/XXXX. Also during this call, Bank of America confirmed there are a total of XXXX ( XXXX ) open and pending escalated cases, reference numbers XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and the timely requested appeal of XX/XX/XXXX ( as no Appeals Department determination on appeal has been issued ). 

As a matter of law, all Case Escalations are required to be resolved prior to initiation, continuance, or completion of any foreclosure process and evidenced by a written response to the customer. To date, no written response has been provided to me indicating any of the above referenced case escalations are resolved. 

I did not default on Bank of America ; Bank of America defaulted on me. 

28 ) State Tax Evasion - Intentional 29 ) Federal Tax Evasion - Intentional 30 ) Withholding of accurate or complete Federal tax related documents. 

36 ) Withholding of accurate or complete State tax related documents. 

37 ) Negligent Tax Evasion - State 38 ) Fraudulent Tax Evasion - State 39 ) Negligent Tax Evasion - Federal 40 ) Fraudulent Tax Evasion - Federal 41 ) Defauding the citizens of the United States of America. 

42 ) Defauding the citizens of the State of California. 

43 ) Misuse and abuse of State government provided funds. 

44 ) Misuse and abuse of Federal government provided funds. 

45 ) Negligent Loss Mitigation Processes, Practices, and Procedures. 

46 ) Fraudulent Loss Mitigation Processes, Practices, and Procedures. 

47 ) Failure to acknowledge an openly nortorious adverse possession claim to real property. 

48 ) Negligent recoding of real estate related documents. 

49 ) Fraudulent recoding of real estate related documents. 

50 ) Negligent transfer of ownership of real property. 

51 ) Fraudulent transfer of ownership of real property. 

52 ) Withholding of accurate or complete mortgage related documents. 

Bank of America must stop themselves before the Trustee Sale at auction of XX/XX/XXXX. 

All other previously mentioned resolutions are desired desired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.