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

I reviewed my consumer reports and noticed that I had a two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside of this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried 12 times to get my credit report from the XXXX website, or directly from Equifax and it has never worked. I was easily able to get my report from the other two companies. I've called Equifax multiple times and no one was able to get my report. For all intents and purposes, Equifax is not complying with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.
Product: Credit reporting or other personal consumer reports

While reviewing my credit history I see that there is a hard inquiry by Freedom Mortgage. We did not request any products from this company and did not authorize any credit inquiries.
Product: Credit card or prepaid card

On XX/XX/2022 XXXX XXXX sent out 11 payoffs to credit cards. All were posted within a week or two. Oportun credit card is the only one that refuses to post my payment. I have called many times and am conveniently disconnected. I have reached out by chat and have also been disconnected and shut down. A technical problem seems to always occur. I have screen savers verifying that. They always ask for a payment which I'm sure I'll never see. I'm sure they want me to be late then get involved in that vicious circle with late payments and extra charges etc. My best advice to everyone and every state is to stay away from this company!
Product: Student loan

I submitted my first monthly federal student loan payment to EdFinancial on XX/XX/2023 - a payment of {$430.00}. This was before the due date of XX/XX/2023. Without any notification, my payment was reversed on XX/XX/2023. I was not aware, nor was I made aware. All of my banking information was also correct. Now, my payment is " late '', despite my timely loan payment, and I am being charged a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

these two accounts appear on my credit report, they are hurting me, they don't belong to me Identity Theft WF/XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Capital One Credit Card : XX/XX/2017 XXXX XXXX : {$44.00} XXXX XXXX : {$37.00} XXXX XXXX : {$170.00} XXXX XXXX : {$100.00} XXXX : {$1.00} 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 I lost my Capital One credit card then I report a list of fraudulent charges then they sent new credit card then place back all the charges back to my account. I called in the fraud department for help but the issues were not resolved then they closed the case. I was requesting to speak to the manager of the fraud investigator but they told me to write a letter. They did n't resolve the issues and closed the case and they want me to pay everything. The employees in the fraud department are very rude and lacking of customer service skill. They hung up the phone on me and refused to let me speak to the manager of the fraud investigator for my case. This is not fair because I did n't make those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-
compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please remove all inquiries from credit report which are not belong to me.
Product: Credit reporting or other personal consumer reports

I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW XXXX, Transunion and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights
Product: Checking or savings account

I have been at Citibank For over Several Years and During Pandemic Crisis in 2019 I had Submit to a financial Institution to Prove My addrees and was rejected Because they blocked my account online. I went to their branch in XXXX XXXX at XXXX and inform the teller that my intention is to close the account and Draw My {$600.00} Balance. The teller requested to call XXXX and I was on the phone for over XXXX hours with the Fraud prevention dept they denied me to close the account and withdraw the {$600.00} and refused even to mail me a check to the address on record which I do receive my monthly statement. Account # XXXX. I had even offered to transfer it to my saving account with them because that account is not blocked unless they will block it later.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX XXXX XXXX : Closed and last updated XX/XX/XXXX, account age 9 years, statute of limitations is 7 years. Experian and XXXX XXXX have refused to DELETE this account from my credit report even though by law they should have done so 2 years ago. 

2 ) XXXX : Closed and last updated XX/XX/XXXX, Account age 9 years, statute of limitations 7 years.Experian and XXXX have refused to DELETE this account from my credit report even though by law they should have done so 2 years ago. 

XXXX ) XXXX XXXX XXXX : Closed and last updated XX/XX/XXXX, Account age 7 years, statute of limitations 7 years.This account was just DELETED by XXXX upon my request for this very reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This hard pull was NOT done by me for Roadloans on XXXX.
Product: Student loan

Sallie Mae calls the XXXX cosigner more than 10x per day. The calls begin at XXXX XXXX  and continue every 30 minutes- 1 hour. They are harassing the cosigner. 

STOP CONTACTING COSIGNER!!!
Product: Credit reporting or other personal consumer reports

These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX {$21000.00} not my account diamond resorts XXXX {$12000.00} not my account XXXX XXXX account was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; XXXX ; EQUIFAX ; AND XXXX ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with. 
According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Bank account or service

I did a mobile deposit as I have done for 10 months, they are holding all funds for 2 days. I have always had {$200.00} available immediately.
Product: Student loan

Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX. Account # : XXXX XXXX  - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2023 Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Dispute of Negative Information Capital XXXX Account # XXXX Dear Experian Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that Experian conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

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

I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship.

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting

Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 maile
d or delivered to the consumer not later than 21 days before the payment due date.

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!

Update the late payments from my consumer reports
Product: Mortgage

On XXXX XXXX 2017 a Short sale Offer and application was submitted to Chase Home Mortgage for the property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX through the Equator system and it was received in that system. The Borrower for this property, XXXX XXXX, and I have continued to work with Chase Home Mortgage on the Short Sale offer since then. I have included the Equator pages showing the messages and requests back and forth between the file processor, XXXX XXXX, and me. All Purchase Agreement documents were submitted and received by Chase Home Mortgage by XXXX XXXX 2017. The completed application had been submitted previously and was accepted as complete by Chase Home Mortgage prior to XX/XX/2017. As a result of having received a completed application for the Foreclosure Avoidance option selected by the Borrower, a short sale, any foreclosure process should have been halted per Dodd Frank regulations regarding the process known as " dual tracking ''. This process is also not permitted under State of Oregon regulations as well and a complaint has been filed by me with the State of Oregon Department of Justice. The Borrower received, on XX/XX/2017, by legal process server, a notification of a pending foreclosure sale date. That notice is included in the documents I am providing to accompany this complaint. The sale date is now set for XX/XX/2017.
It is apparent from the document trail and messaging trail I have provided that Chase Home Mortgage is guilty of " dual tracking '' and is in violation of the Dodd Frank Wall Street Reform and Consumer Protection Act.
Product: Credit card or prepaid card

An account was opened with Care Credit in 2021 by a XXXX XXXX in my name during XX/XX/2021. Since the existence of this account, Care Credit has reduced the credit limit from {$2000.00} ( estimate ) to {$440.00} as I continued to pay the balance down. I have paid this balance down since the existence of this account to {$290.00}. This month Care Credit stated that the Deferred Interest/No Interest If Paid In Full period has expired and placed a charge of {$310.00}. Because they continued to reduce the Credit Limit to {$440.00} and then charge the account {$310.00}, they have now placed the account over the credit limit by {$170.00}. They have also reported my account to the Credit Bureaus which have reduced my credit score by 42 points. When contacting Care Credit they have stated that they will waive the additional fees of {$310.00}, after I pay the balance of {$290.00}. Their statement still does not reverse the negative impact of my credit score. I also requested that Care Credit please furnish me the Credit Agreement regarding these terms, but they have not done so. This practice of gradually reducing the credit limit, and then imposing the deferred interest is not fair. Had the Credit limit remained the Original Limit, there wouldn't have been an over the limit negative impact to my credit score. Also, I question there reasoning for reducing my credit, because I have been continuing to improve my score.
Product: Debt collection

i have sent complaints to these debt collectors on XX/XX/2020 and they haven't respond or marked it as disputed, so they have violated the law and i will turn this over to my attorney.I requesting that these accounts be deleted from my report.i have attach copies of the letters below
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Homebrige transferred account to XXXX XXXX. Homebridge is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX XXXX XXXX XXXX This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.