23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX   representative named in the reponse letter, have failed.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Honda Financial, regarding an issue that has significantly impacted my credit report and financial standing. My customer account number with Honda Financial is XXXX. 

I initiated my relationship with Honda Financial on XX/XX/2023, when I leased a vehicle and was assured by the dealership that automatic payments were arranged on my behalf. I provided all necessary banking information for this purpose. In the months that followed, I did not receive any communication from Honda Financialno emails or letters regarding my account status. This lack of correspondence led me to believe my account was in good standing, and payments were being processed as expected. 

The issue came to light when I was in the process of applying for a mortgage. My broker conducted a credit check and informed me that there were several late payments reported by Honda Financial. This revelation was both shocking and distressing, given that I had received no prior notice of payment issues. Upon learning of this, I immediately contacted Honda Financial to address the late payments and was informed that any resolution would require a formal letter to be sent to them. 

It's important to note that my attempts to resolve this issue directly with Honda Financial have not been successful. I requested the removal of the late payment records from my credit report, as I believe this situation has resulted from a failure in communication on their part. Moreover, I have not been provided with any confirmation of my contact details by Honda Financial, which might have prevented this oversight.

This experience has not only affected my credit score but has also caused significant personal stress and may jeopardize my mortgage application. I believe Honda Financial has failed in their duty to provide adequate notice of payment issues and to maintain accurate records of customer communications. 

I am seeking the CFPB 's assistance in resolving this matter, including the removal of the inaccurate late payment records from my credit report. Your attention to this issue and guidance on how to proceed would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

1. XXXX refused to update my current address to my valid address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I even sent them a copy of my drivers license with my correct address. 
2. Im sent 3-4 letters asking for proof of validation of such debt to XXXX and they falsely state they validated the debt but, failed to provide any documentation of such debt as I requested! I do not owe such debt to LVNV FUNDING nor XXXX XXXX. Please remove/delete immediately. 
I pasted the information from report and letter sent.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$410.00} Current Balance {$410.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$12000.00} Current Balance {$12000.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$23000.00} Current Balance {$23000.00} Responsibility Individual Status Collection account Comments Account information disputed b
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.
Product: Mortgage

In XXXX I separated from my husband, which, caused a loss of income to my household. Following the separation, I became XXXX  and was having to take several days of from work. In XX/XX/XXXX I had to have emergency XXXX and was receiving XXXX XXXX ; therefore, I was not able to work, which caused my debt to increase. I returned to work in XX/XX/XXXX. In XXXX I applied for a XXXX XXXX bankruptcy and was making the monthly payments until in I got XXXX in my foot and had to be on XXXX for 6 months. Since I had a XXXX line placed, I had to go part time and was not able to make the bankruptcy payments. However, in XXXX XXXX XXXX, in better health I decided to change my career path. I have attempted to do a loan modification in XXXX XXXX, but was told there was not enough time to review the paperwork. In XXXX, I enlisted the help of a company, XXXX XXXX, for help and was again denied a loan modification, because I make to much money. At this point, even though I am able to make the monthly payments, I do not wish to retain the home. I am willing to make a short sale, and therefore, is working with a company to do so ; however, Servicing Loan will not review the short sale paperwork. I only want enough time to be able to relocate my family. I would like to be given the opportunity, to complete the short sale process and relocate. 

Thanking you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XX/XX/XXXX XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XX/XX/XXXXXXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XX/XX/XXXX # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry with XXXX XXXX XXXX and TransUnion but they refused to removed it. the inquiry took place on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on all three of my credit reports all the information on this account is wrong they have never had the account right on my credit reports at on time the reported I Had 158 bad checks there is no way I Had 158 bad check they won't accept a check after 3 bad checks fair credit 609 says they must verify and send me all the information on this account including address amount dates phone number remarks history if can't be verified this needs to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XXXX XXXX 2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Bank account or service

I signed up for a CitiGold checking account with Citibank using the promo code : XXXX. The promo was for XXXX XXXX XXXX miles if you submitted 2 bill pay transactions and complete a purchase of {$1000.00} or more with your Citigold Debit card. I got confirmation that I meant all of the criteria for my promotion from Citibank customer service multiple times but have been denied the points.
Product: Credit reporting or other personal consumer reports

I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus Experian, XXXX, and XXXX. The inquiries in question are as follows : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX 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
Product: Student loan

From XX/XX/2023 to XX/XX/2023 I have had to make multiple inquiries in regards to unusual activity ranging from random payments and drastic balance changes increasing amounts owed. My loan servicer has letters from the department of education stating my loans from two universities which are the only universities I have been to are being discharged and refunds issued. Anytime I have had to call I always check on the status as well. It never fails that I get different information every single time. I get referred to the department of education who then tell me no what Nelnet said is incorrect. I was told in XXXX and XXXX several times including via only chat by at least two representatives it would be complete in 15 to 45 business days and not only isnt it done but now they are claiming it wont be done till the end of the year. They refuse to provide transcripts of those conversations. I have told me they will do some research and get back to me but never do. Ive been sent letters on two different occasions saying my discharge is complete when its not. When I ask if its done why have I not gotten my refund and no one can tell me. I also do not remember requesting consolidation of my loans. When I ask for documentation showing when I requested consolidation they refuse to provide it. When I tell them I see on the dept of ed site it was electronically signed but I want documentation showing I requested that because I do not remember electronically signing anything. Ive submitted other documents that go missing. My loans were supposed to have been in Administrative Forbearance since XX/XX/XXXX yet Nelnet never put them in that correctly. So now Im getting emails and letters saying Im required to start making payments XX/XX/XXXX. The level of incompetence is unbelievable. As a veteran who was already taken advantage and who suffers severe XXXX  due to my service this has aggravated it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Delivered in the presence of : XXXX XXXX
Product: Credit card

I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.
Product: Debt collection

Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$20000.00} -This is not my account. 

3. XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I disputed unauthorized inquiries on my credit report with Equifax and XXXX. These inquiries were not authorized by me, and I requested that the credit reporting agencies investigate and provide proof of authorization, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ). 

However, both Equifax and XXXX refused to initiate an investigation, stating that I needed to contact the creditors directly, which is incorrect according to the FCRA. Under the FCRA, it is their responsibility to verify the accuracy of the disputed information or remove it if it can not be verified. 

I am requesting that the CFPB ensure these companies fulfill their legal obligation to investigate and remove any unverifiable or unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

My Bank of America checking account was hacked on XXXX and {$41000.00} was stolen from my account via wire transfer. I filed fraud claim XXXX with Bank of America on XXXX. This claim was denied by Bank of America via a letter sent to me dated on XXXX. I closed this checking account and opened a new checking account on XXXX. On XXXX, new checking account opened on XXXX got hacked, {$50000.00} Debit withdraw from Bank of America in XXXX  XXXX and {$12000.00} via wire. {$62000.00} was stolen from my XXXX checking account this time. I filed fraud claim number XXXX on XXXX. This claim status is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.