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

Principal reason Im writing this complaint is to have the 30 day late removed from XXXX XXXX Equifax. 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXX I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies Experian, XXXX and XXXX is reporting a closed XXXX XXXXXXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. Below are the details of the disputed late payment : Creditor Name : XXXX XXXX Date of Late Payment : XX/XX/XXXXXXXX  Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. Thank you for your assistance in resolving this dispute promptly and accurately. Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.
Product: Credit card or prepaid card

Again yet another lie and theft from this company and yet they are allowed to do what they want. There was no credit posted to the account on XX/XX/2020 for them to take away, so they just took money that wasn't there.

" Today the provisional credit in the amount of {$1400.00} which was issued on XX/XX/2020 was reversed from your card. '' THERE WAS NO PROVISIONAL CREDIT ISSUED TO MY CARD ON XX/XX/2020!!! I uploaded the statement and the letter from them and took their advice finally, I contacted the police and filed a theft complaint, against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I called Transunion @ XXXX and verbally submitted an dispute with them about the inaccurate information ( bankruptcy ) on my credit file that they maintain under my XXXX #. On XX/XX/21 I called to check the status of the dispute and the lady said that it was verified as accurate. On XX/XX/21 I certified mail a letter to TransUnion requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XX/XX/21 I received a letter letter back from Transunion stating once again that the account was verified as accurate. XX/XX/21 I sent another letter requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XXXX received another letter from TransUnion stating that it was verified as accurate in which I than called and spoken to a lady by the name of XXXX about their METHOD OF VERIFICATION and she stated that she couldnt give me their METHOD OF VERIFICATION and hung up on me. I called right back to now be in touch with XXXX, I spoken to XXXX and inform him to that I was calling requesting an REINVESTIGATION AND METHOD OF VERIFICATION of the bankruptcy, XXXX than stated there is no such thing as a METHOD OF VERIFICATION and to not asked for one in writting or verbally because TransUnioin will not respond to any request for one, and if I do request for one it will come back verified as accurate only. I than proceeded to inform XXXX that I will be excercising my rights by certified mail again and now with him verbally under the FRCA Section 611 ( a ) ( 6 ) and ( 7 ) in which the credit bureau must give you the METHOD OF VERIVICATION within 15 days of your request and that any automated response or e-Oscar verification is unacceptable and if TransUnion doesn't respond they are in violation of nthe FRCA. XXXX said let him talk to his but instead he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and Prosper that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Capital One Credit Card Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Debt collection

Couple months ago I noticed a huge drop on my credit score, after checking my credit report I found out that I have a collection from my previous landlord ( XXXX XXXX ) where I moved out from in XXXX XXXX. They are charging me for repairs and those items are something I didn't recognize when I moved out. Such as repainting the whole walls, water leakage and molds. 

Before moving out, I have provided my new address, my phone number to the manager ( XXXX XXXX XXXX ) and they have my email in their system. I've also made an appointment with XXXX XXXX at the apartment for her to check the apartment condition right before moving out. She agreed that there was no issue regarding the repairment and we don't need to worry about it. Within 30 days after I moved out, I emailed XXXX XXXX to ask the status of my security deposit. No response. They also did not contact me about the repairment, so I thought there's no issue since we had the manager checked the apartment. I assumed if they think I am responsible for the repairment, they should have contacted me within 30 days after I moved out, instead of sending my info to collection agency after a year. 

After I discovered the collection, I contacted the collection agency and ask for more information. Also asked collection agency to provide proof such as pictures of the repairments to prove that this really belongs to me. Collection agency and XXXXXXXX XXXX  fail to provide the proof of debt. If this really belongs to me, I asked them to provide the photos of the repaired location/area before and after they repaired it. I have not yet recived the proof. 

Given that they did not care to contact me within 30 days after I moved out regarding the repairment, also they did not care to provide any further information/proof. I suspect this is a fraud collection. Because what they described does not match to what I saw and the manager said when I moved out. When I moved out, I did a full inspection and made sure I cleaned every spot. Hence, I believe I am not responsible for this collection. And this collection account should be closed. Any collection account on my credit report should be removed if they can not provide further proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX I have provided Experian with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed experian letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.
Product: Credit reporting or other personal consumer reports

I was looking at car dealerships online, multiple ones. XXXX XXXX ran my credit report without my authorization. I have spoke with XXXX the finance manager at XXXX XXXX and he was going to research what happened. He never followed up with me. I contacted Experian and they refuse to help me stating I gave permission for the hard inquiry when I did not given authorization to any company to check my credit report and I want the hard inquiry off my credit report. I feel like I am getting the run around from XXXX XXXX and experian.
Product: Credit reporting or other personal consumer reports

Old National Bank issued a {$50.00} invoice for a never used HELOC with {$0.00} balance on it. Despite being set up on auto-pay with Old National Bank and never having a late payment in my life, the bank failed to deduct the {$50.00} charge from my checking account and reported the payment as late on an untouched {$0.00} balance account. Because the account balance showed as {$0.00} online, there was no other way to pay this bill. I contacted the bank in XX/XX/ and they agreed to deduct from my linked checking account and they would contact the appropriate credit bureaus to correct their error. They have not done so and it is now negatively impacting my credit.
Product: Mortgage

Green Tree Servicing LLC recently acquired my mortgage. On the date of transfer, XXXX XXXX, I had not received a mortgage statement, or instructions on how to make a payment. After speaking with a representative, Green Tree insisted that I pay a {$12.00} fee for making a payment over the phone or through their website. My previous mortgage company XXXX Bank allowed automatic payments through their website for free. 

Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on 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 me 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.

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 card

Hello CFPB XXXX, I have been trying to reach this company since early XXXX regarding my balance. They have either ignored me or sent me to XXXX who is supposedly the collection agency who has NEVER contact me- even after I have asked them to myself. 

Most recently in XX/XX/XXXX, I asked for the same help- again. And have again been ignored.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Vehicle loan or lease

I entered into a predatory car loan with the subject of my complaint GLS Lending, XX/XX/2003. 

A sub-prime lender, Global Lending, knew that certain segments of its population were predicted to have a high likelihood of default. Global Lending exposed borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. 

Global Lending has yet to resolve allegations that they violated consumer protection laws by putting subprime borrowers, like myself into loans that carried a high probability of default- engaging in deceptive servicing practices and actively misled consumers about our rights, and risks of partial payments and loan extensions. 

It is my prayer for relief that restitution from Global Lending to its consumers be imposed after it made unfair, high-risk auto loans to car buyers across Maryland and many other states in addition to monetary relief, like the class action in the XXXX case- we also suggest Global Lending agree to factor future borrowers ability to repay loans into their underwriting as this has tremendously affected my life and credit. Surely more than it has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have made several attempts to have this accounts removed from my credit reporting and have disputed with all credit bureaus. They send letters stating I do not have an account with them, if that is the case it should not still be showing as so on my credit reports. These should be removed immediately. I have asked for validation of debt and for sales data files. These were not given to me. Immediately remove.
Product: Student loan

I am a former graduate ( times 2 ) of the now closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA campus. Admissions " counselors, '' financial aid " advisors, '' and other staff were very misleading about the ability to find a job with their programs. After graduating summa cum laude with a 3.96 GPA in XX/XX/XXXX, I realized that my degree was useless. Upon advice from " admissions counselors '' I could ABSOLUTELY go for the XXXX XXXX program to not only extend my deferment but to also " pad my resume. '' So, I did. They're admissions counselors right? They know what's best right? Sure. I graduated a second time with an XXXX XXXX XXXX in " XXXX XXXX '' to find out that it is also, worthless. I was working for a ( now defunct ) debt collection lawfirm as a XXXX  and upon notifying the head attorney of the firm that I graduated, he stated to me verbatim, " I'm not paying you more, I could have started you at {$10.00} an hour. '' I quit. Since then I've been working dead end jobs in fast food and retail just to get by, let alone pay for massive debt incurred from XXXX. Which brings me to the reason for my complaint. 


Navient never told me that I could qualify for an IBR or anything really until I was already in forbearance. I  explained to them on numerous occasions in XX/XX/XXXX-XX/XX/XXXX about this. They advised me that foreberance was the only option. So not only did I fall victim to a predatory school and believed their lies TWICE, but now, I'm stuck with a foreberance which could have been avoided. I have since contacted the XXXX the " escalated '' navient line, and I also filed a report with the ombudsman. 

Navient is predatory. XXXX, XXXX XXXX, and XXXX XXXX XXXX college are all predatory. This isn't right, and now we suffer.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Prestige on 2 different occasions ( once on XX/XX/XXXX another on XX/XX/XXXX ) requesting validation of the alleged debt per FCRA. This is not my debt. I 've gotten no reply to either letter sent. Prestige is reporting invalidated information to major credit bureaus and causing defamation of character and creating a hardship for me, while also refusing to respond to correspondance. On these grounds alone, I demand that this be deleted from the credit file immediately. I have given ample opportunity to allow Prestige time to validate this alleged account. Attached is letters sent to Prestige financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being XXXX from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was XXXX in XX/XX/2020.
Product: Credit card

This company needs to be shut down. Their practices are XXXX XXXX XXXX XXXX XXXX I am blessed in being able to pay a balance for most purchases immediately. Many millions can not say that .... Synchrony Bank charges almost XXXX percent interest! This is not right! You people know this. Most companies charge a late fee of around {$5.00} each billing cycle. Synchrony charges {$30.00}. Also their interest rate is XXXX percent. I know of no other bank in the entire country that charges such an outlandish rate. This is XXXX XXXX XXXXXXXX XXXX!!! Most people can not afford such exorbitant rates! It would bankrupt them! This company MUST be looked into for it's practices and hopefuly shut down. Their parent company MUST be forced to pay a HEAVY financial penalty...
Product: Credit reporting or other personal consumer reports

Get this fraud account block from my report. 
Get this account block from my report