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

XXXX XXXX XXXX XXXX XXXX XXXX I was never late on the PAID off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, delete this alleged late payment from my credit report immediately. FCRA allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Complaints, Disputes and Reference numbers dating over 15 months of trying to resolve. 

Here 's proof EQUIFAX MALICIOUSLY REFUSES TO REPORT ALL INFORMATION AS REPORTED BY THE CREDITORS. AND KNOWINGLY ( because they have been informed over 8 times ) THEY REPORT HARMFULLY- KNOWING IT HURTS THE PERSONS CREDIT FILE. 

SEE ATTACHED FOR EVIDENCE. 

This is one of many accounts on my credit file with EQUIFAX, that continues to report with empty information/ghost placeholder values/incomplete information. Please see the attached photo, which shows a snapshot of XXXX of my accounts, notice that EQUIFAX has no 2-year reporting history for this account, despite XXXX payments being reported to all XXXX major credit bureaus. 
XXXX XXXX Equifax are reporting accurately, EQUIFAX OMITS IMPORTANT INFORMATION TO PUNISH CONSUMERS WHO COMPLAIN. 

THIS SHOULD BE CRIMINAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with XXXX the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " LOAN CARE '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with XXXX directly as to ensure that Loan Care would be held accountable. I was notified this morning however that Loan Care " validated the 30 days late '' and XXXX denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to Loan Care support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX XXXX
Product: Vehicle loan or lease

I bought a used car which started out being {$12000.00} with {$3500.00} down payment so wouldn't that mean that the financing price would be XXXX but that wasn't the case I've had it XXXX year starting balance for finance is {$23000.00} and owe {$16000.00} thats not right and know one seem to understand me but if they come get it ill owe them the remaining balance so either way I'm still n debt and the sell price is like {$5600.00}. Blue book price
Product: Credit card or prepaid card

Two purchases made on XX/XX/XXXX for {$650.00} and XX/XX/XXXX for {$61.00} both with the same company, XXXX XXXX XXXX and paid for with my Gold MasterCard from Citibank group . 

Delivery was promised in XX/XX/XXXX. Then came a series of " oh, we're working on it '' and " we're a little behing '' from XXXX XXXX. Then their web page went dark, their phone stopped answering and emails were no longer answered. 

I filed a dispute with Citibank for the two disputed charges which totaled {$710.00} in late XX/XX/XXXX or early XX/XX/XXXX which was immediately reversed and credited to my account by Citibank. 

I considered the issue closed. 

Imagine my surprise when I open my XX/XX/XXXX bill from Citibank to find that the " merchant '' filed a blank answer to my complaint and the full amount was again credited to XXXX XXXX ( who was no longer communicating in any way to customers ). 

I responded in writing to the issue objecting to Citibank 's lack of diligence and failure to support my position, as their long time customer and in fact, I had NEVER received any merchandise, website closed, multiple, multiple XXXX  complaints on the " merchant '', phone lines dead. XXXX XXXX is a fraud, no longer in business and guilty of bilking unsuspecting customers out of money for products never delivered. 

The dispute is still open as of today ( XX/XX/XXXX ) but of course Citibank will not discuss the matter with me. 

I expect them ( Citibank ) to do the right thing and refund my charges but as time goes along, I am losing faith in the process.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  and navy federal cu is reporting inaccurate information on my credit report and it has pass the statue of limitation and the account need to be deleted.
Product: Credit reporting or other personal consumer reports

Equifax is continuously reporting FRAUDELENT AND INACCURATE information after being notified orally, via mail and electronically that Consumer 's Credit file has these discrepancies. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors ; A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Equifax is reporting an inaccurate name, an inaccurate address and several inquires including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Consumer has suspicion their information has been compromised by EQUIFAX, therefore therefore Consumer has filed an Identity Theft Report with the FTC. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. Once the consumer has provided the needed documentation to the credit bureau, the bureau first must block the information within four business days of the consumers initial report and submission of proof of identity theft. Then, the credit bureau must notify the furnisher of the information that it has been blocked due to identity theft. Once the information has been blocked and the furnisher has been made aware of the situation, the credit bureau must follow up with the consumer and provide final confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with autopay and 5/3rd agreed to remove it but never did. It was payments for the month of XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Mortgage

The closing date for our mortgage was XX/XX/XXXX. On XX/XX/XXXX at XXXX we received a phone call from XXXX XXXX at USAA stating that she forgot to submit the closing disclosure form and that we were not able to close until Tuesday XX/XX/XXXX. This not only displaced us but also held up the closing of three other homes as the sellers of our new home needed the funds from the sale to buy their new home. The communication with USAA was deplorable. I had to call USAA Friday morning spent hours on the phone and was told at XXXX that the CD still had not been submitted. Our closing was ultimately delayed due to what USAA called a human error.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan currently is serviced by Freedom Mortgage. I have a 60 day locked rate for a steam line IRRRL refinance that expires XX/XX/2020 with Freedom Mortgage. I've had closing dates scheduled and cancled by Freedom on XX/XX/XXXX and XX/XX/XXXX without notice and cancelation was not do to my own negligence. I have reached out several time for the past 3 weeks to the Loan Officer Mr. XXXX, escalation department, my assigned advocate/loan processor XXXX XXXX and customer service without receiving a call back after agent sent inter-office messages in which I was told someone would definitely contact me back. I've left messages on XXXX XXXX a escalation rep at XXXX XXXX several days without response. It appears that freedom is purposely eluding my attempt to close on my refi rate for reasons i am unaware of. Perhaps agents are working from home and not doing their XXXX.
Product: Mortgage

BANK OF AMERICA 's Refusal to handle/disclose of information account # XXXX : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XX/XX/XXXX to XX/XX/XXXX, during its servicing. 
2. Date and copy the Bank Endorsement issued by XXXX XXXX to the new Trust o Note Holder. 

I will apreciate your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Online Information Services according to XXXX XXXX XXXX made a claim that I owe a bill of {$140.00} to them. XXXX XXXX XXXX is permanently closed. This debt do not belong to me this is Fraud and I am requesting to have this move off of my credit report immediately because this has damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX  on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ( XXXX XXXX  ) ( XXXXXXXX XXXX ) ( XXXX XXXX XXXX  ), ( ALLY FINANCIAL ), ( XXXX ) ( XXXX XXXX ) for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Student loan

In the past, I was always able to make my full monthly payment and apply it to my student loan group with the highest interest rates and would not incur a " past due '' on other loan groups. Now, with Nelnet, their system will not allow me to do that. I have called multiple times and had to wait on hold for 3+ hours each time. I was finally able to talk to someone who told me to just go ahead and pay my full monthly payment last month on the loan group with the highest interest rate and ignore warnings about late payments. So I did as they instructed last month and made a {$3000.00} payment applied to highest interest loan group. Now, when trying to pay this month, it says I am past due on all other loan groups, will not allow me to make a payment without paying on these loan groups, and says I now own over {$7000.00} for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Product: Credit card or prepaid card

On XX/XX/22 I was sent an email solicitation for application for a XXXX AmEx and I would receive XXXX bonus points. 
I needed to spend {$6000.00} within 6 months which I met and exceeded. 

I then received XXXX points and when I questioned the shortfall I was told thats all Im entitled to! 
I provided the email and it has been under investigation until this morning when I was told that my bonus would only be XXXX! 

This is a bait and switch practice which seems to be a corporate strategy. 

I have the email offer sent XX/XX/22 and would be happy to provide. 
I have attached the relevant part since I cant figure out how to send the email
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Credit card

I received an email from Barclays offering a promotional rate of 0 % through XX/XX/year> on a credit card balance transfer or for a transfer to personal checking account. Logged into account. Only offer available was a credit card balance transfer. 
I contacted the customer service. They talked to their manager. Bank refused to honor request. Further, they had no interest in receiving information on the offer I did receive. It was very frustrating and was belittled by the employee.
Product: Mortgage

RE : Selene Finance LLP Account # XXXX For over a year, I have had issues with my mortgage company showing that I have missed two ( 2 ) payments and despite sending them proof to the contrary, they refuse to correct their records. Prior to this complaint, I filed a complaint ( Exhibit A ) with the New Jersey Division of Banking and Insurance ( DOBI ) and it claims not to have jurisdiction. Selene sent a letter to Mr. XXXX at DOBI ( Exhibit B ) which contained information that was inaccurate and on which it had not acted. See my response dated XX/XX/XXXX ( Exhibit C ) which was sent via Certified Mail. Selene responded on XX/XX/XXXX ( Exhibit D ) with what amounted to lip service. 
Summary : Late XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX ) transferred the mortgage servicing to XXXX XXXX XXXX ( Account Number XXXX ). Effective XX/XX/XXXX XXXX XXXX XXXX transferred the loan to Selene Finance ( Account # XXXX ). 
XX/XX/XXXX, since I had a reduction in income and XXXX would not modify my loan, in order to prevent homelessness, I filed for Chapter XXXX with the first payment due the Trustee XX/XX/XXXX, and mortgage payments sent directly to Mortgage Servicer ( XXXX  at the time of filing ), also as of XX/XX/XXXX. 
Beginning in XX/XX/XXXX, and continuing through the current time, I have sent every monthly payment to XXXX  ( XXXX ) then to Selene Finance ( XXXX ) ( Exhibits 1 and 2 ). For unknown reason ( s ), and without authorization or instructions, Selene changed the name and address on the account to the attorney who filed my CHXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Accordingly, I was not receiving statements and Attorney XXXX could find no record of having received statements either. When I contacted Selene Finance, they refused to discuss MY account with me and told me that I would have to have my attorney contact Selene as they could not give ME any information. I then contacted my attorney ( Exhibit # 3 ) and Mr. XXXX XXXX sent Selene two letters, ( XX/XX/XXXX and XX/XX/XXXX ) Exhibits 4 & 5, advising it that it should communicate directly with me and that statements should be sent to me. Each payment that I made through XX/XX/XXXX utilizing a check was accompanied by a letter stating that no statement had been received for XXXX, XXXX, and XX/XX/XXXX. 
Resolution Sought : Selene has missed supplying monthly statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Further, I did not receive a statement for the payment that was due XX/XX/XXXX, although the payment was made. That statement should be dated XX/XX/XXXX. 
Selenes records still reflect that I have not made two ( 2 ) payments, even though it has been provided proof said payments were made and Selene deposited said checks which were presented to and honored by my bank. It is possible that due to the various transfers between Loan Servicers, something went awry but it is Selenes responsibility to research and resolve these discrepancies. 
I would appreciate resolution of these issues in a prompter fashion than Selene has been willing. 
Sincerely,
Product: Credit card or prepaid card

XX/XX/2022 Oportun Credit Card/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX / ( XXXX ) XXXX To whom it may concern ; Hello. My name is XXXX XXXX. I am writing to lodge a formal complaint against the Oportun Credit Card issued by XXXX XXXX. 
I have been an approved member of the Oportun Credit Card for a number of months ; however, I still have yet to receive a Credit Card via the United States Postal Service mail. 

I have spoken with the outsourced Oportun Credit Card customer service center many times and have been told each time that a new card would be issued. 
I still do not have a credit card to use. 
I have filed numerous XXXX XXXX XXXX complaints as well, to no avail or response from Oportun. 
Since the opening of the credit account, Oportun has charged me {$29.00}, labeled as an annual fee. I believe this is a case of credit card issuer fraud. 

I am hoping that this complaint to XXXX XXXX  will be able to resolve my plight. 

I am a member of other XXXX XXXX  credit products- in good standing. So, it is very troublesome when I think of the piss-poor service that I have received from Oportun. 
I would recommend that XXXX XXXX  rethink their relationship with this card issuer, if they do not have the skillset to professionally operate their business to high consumer standards. 

I am demanding a fee-free expedited delivery of a credit card to my home address, to be delivered via XXXX or XXXX at once! 

I expect to hear from XXXX XXXX or Oportun via telephone call immediately upon receipt of this complaint. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whom in concern, I have received late payments from Navient for XX/XX/XXXX, and I am devastated. I never received any notifications or anything indicating that I was responsible for a payment due to the nationwide deferment of student loans. According to Navient 's website, " Federal student loan flexibilities for the COVID-19 emergency have been extended at least through XX/XX/XXXX ''. So how was I 90 days late for a payment that was not even due? It has destroyed my credit score. Im currently in an income based payment plan as of XXXX. It wasn't brought into my attention that I was late until XXXX. I do not understand. My payment were held off due to the pandemic, yet I have received penalties. How could I be punished at such a time like it is with everything going on with this horrible virus, and this pandemic that has effected millions. Again, I am completely shattered. Please fix this situation! 

Thank you for your time on this matter.
Product: Debt collection

NCB knows this debt is fraudulent. They were told this multiple times. I was a victim of identity theft. My wallet and passport were stolen at the time. Not only do I not owe them a simgle dollar. I will also seek damages for all the derogatory remarks they'e been adding to my report in harrassment. I attached below a copy of my stolen passport report confirmation.
Product: Credit card

Ensuring timely payments on this account has always been important to me, and I've never let them be overdue. I'm not sure why there are late payment remarks reported on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

These late payment entries are factually incorrect, unverifiable, and causing undue harm to my financial reputation. I am not requesting the deletion of these accounts from my credit report.