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

I paid my balance off onXX/XX/XXXXof {$22.00}, which is what I owed. I also moved into my new address and updated my address on Kohls.com. They show a balance of {$4.00} for what? The representative in the XXXX didn't know what i was talking about and his manager couldn't come on the line. This happened three time without any help. 
This negative derogatory action has affected my credit score, they inputted my address incorrectly by their office in the XXXX due to a language barrier.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/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 mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 1
51.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting

These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Experian numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Eperian did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Experian have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX in the form of a Notice for Execution Against Wages. 

The original creditor is XXXX XXXX XXXX. The NJ Docket number is XXXX This was originally opened in XXXX and is well beyond the NJ statute of limitations for credit card debt. 

Furthermore, I don't work for the company noted in the letter. The company to whom they are attempting to go after wages. 

I searched the docket number on ACMS Public Access website and there is NO current activity on this docket number. Also, there is no official court representatives signature on this document either.
Product: Credit card or prepaid card

I was charged onXX/XX/XXXXI issued a dispute with my credit card company which is the Apple Card and the merchant. The merchant issued a refund and the credit card issued a credit. I asked for the credit card to remove the credit to avoid charges. I was told they removed it. And that I would not have to worry and it wouldnt be added to my account. However they charged me on XX/XX/XXXXfor the amount of the provisional credit and refuse to remove it even though I do not owe and was told I would not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently found out that XXXX  XXXX XXXX XXXX , XXXX had done a hard query on my Equifax credit on XX/XX/2018. 

I never used XXXX XXXX XXXX neither do I apply for any XXXX XXXX XXXX service. I'm wondering if this is a sign of identity theft. I'm wondering if somebody else used my SSN and apply for XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have received copies of my credit report and noticed several unauthorized accounts reporting. These accounts have been detrimental to my life and overall credit health.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have not received in any compacity an updated credit report. I have asked for a report to be sent to the address that is on file ( even when being told they have none of that information ), it's on my personal information when I go into my account on the Experian app. I have been doing what I can and know to rectify the situation. My attempts to get in contact with anyone who can resolve any issues have been met with multiple transfers and end up getting hung up on which is very unprofessional. I have a witness to my many frustrations with getting any and correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is inaccurately reporting information on my consumer report. Navient is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted Navient and they didnt correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 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 or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions. 
Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( Equifax ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported 30-day late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

NELNET - Using false dates to gain money- to say that I did n't re-apply for an income based repayment ( I have proof that I submitted 3 times all nearly a month prior ) Also using Gross Income ( not AGI ) to form their IBR repayments
Product: Mortgage

I was going over my tax returns and noticed Specialized Loan Servicing ( SLS ) which had my account for 3 month in 2019 charged me {$670.00} in interest for again only three months and my previous mortgage holder XXXX Bank charged me {$530.00} interest for 9 months. Those numbers just don't add up to me. I would like some more information on the you calculation of the interest on my mortgage I previous had with your company. I had to write a complaint with the CFPB because the last complaint I had with SLS I sent a Notice of Error Letter and SLS response to the Notice Of Error was the SLS never received it. I know for a fact that they SLS received the Notice Of Error because I took A picture of the letter with the correct address and I video taped men putting the letter in the mail box. Since I closed my account with SLS I no longer have access to my account that why I need SLS to sent me some documents with the calculation of my interest rates. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX  account # XXXX, Has violated My Rights 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 an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) Address-XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX XXXX ) ADDRESS- XXXX XXXX XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX  XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$20000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed by a XXXX XXXX XXXX XXXX stating I was going to have an amount deducted out of my account for renewal of a protection plan and if I did not want to renew I needed to call an 800 # to cancel in doing that the scammer convinced me that I needed to give him permission for the refund and needed to go on the website to do that so it looked just like a legitimate XXXX XXXX website and accepting the refund allowed him on my computer and he transferred money out of my savings into my checking to make it look like the wrong amount had been entered for the refund so he said the only way to get it back to him was by wire transfer so he sent email to send a wire transfer from my bank ( XXXX  ) to Wells Fargo. Upon research I realized it was a scam and called my bank however they said the wire had already been sent to Wells Fargo but they would put a freeze on it and all my accounts and for me to go to my bank 1st thing the next morning and explain and close all my accounts and re-open new ones, I did this and was htere for 3 hours then returned back to my office and spent another 4 hours filing a police report, reporting identity theft and reporting it to the credit bureau. On XX/XX/2022 XXXX  from Wells Fargo called me to confirm wire and specifically told him " DO NOT SEND THIS IS A FRAUD '' He said the money had not been sent and gave me a reference number but my bank had to request the funds back in writing. So I spoke with an XXXX at XXXX and she took the information and gave me a claim number and said it could take XXXX days to retrieve the funds. I let a few days go by and called Wells Fargo back and on XX/XX/2022 I spoke to a XXXX and he told me my bank had not sent the proper paperwork to retrieve the funds, they needed a letter of XXXX and a hold harmless agreement so I called my personal bank XXXX XXXX and got him involved and he said that paperwork had been sent on XXXX.On XX/XX/2022 I called Wells Fargo bank and spoke to a XXXX and he said the case had been closed and they sent a message on XX/XX/2022 that the funds could not be retrieved. I called my banker on XX/XX/2022 and as of that date they had not received anything from Wells Fargo and as far as they are concerned the case is still open. My complaint is with Wells Fargo!! Why did they send the money when I specifically told them not to it was a fraud!!!
Product: Credit reporting or other personal consumer reports

Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.
Product: Mortgage

I lost my job in XXXX. I applied for mortgage assistance from my lender at that time ( XXXX XXXX  ) they asked me to fill in a Mortgage assistance application and provide supporting documents, i did that. After a certain back and forth my loan was approved for XXXX XXXX XXXX on XX/XX/year>. ( Approval Attached ) But my loan was scheduled to be transferred to another servicing company XXXXRocket Mortgage ' on XXXX XX/XX/year>. 

Upon asking, XXXX confirmed me that all terms will also be transferred to the new company and they will honor my loan modification. After my loan was transferred, i called rocket mortgage to make the revised payment, one of their representative ( On a recorded line ) told me that such modifications have to go through underwriters and will take some time to reflect on your account, she suggested me that i should make the old payment ( XXXX ) instead of modified payment of ( XXXX ). I asked her that my loan modification approval comes with a deadline of XXXX XXXX, and i want to show my intent to accept this trial period. She acknowledged that it is accepted. After calling and speaking with multiple representative each ensure me that starting from next month ( XXXX of XXXX ) i will be able to schedule my modified payments. I got satisfied and stopped following up and made the full payment for the month of XXXX to keep my account current. ( All call screenshots are attached ). 

Comes XXXX, i called rocket mortgage to schedule my modified payment, and they're now telling me that loan modification is no longer available as my account is current. and they sent me a closeout document ( attached ) saying that i did not accept loan modification. This is not true, i spoke with their multiple reps and showed my intent to accept loan modification and the acknowledged. ( All that on recorded Lines ). 

Due to their false assurances, i lost my approved loan modification and they are now saying that i have to make full payment. I am still out of job, i can not make full payment. I need help in this matter. 

Important Information Related to Loan. 

Loan Number with XXXX - XXXX Loan Number with Rocket - XXXX Loan Modification Approval Date - XX/XX/year> Loan Transfer from XXXX to Rocket - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX