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

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Numerous issues but what is very concerning is after months of submitting and resubmitting documentation I find out that the submitted documents were uploaded and labeled incorrectly which slowed the process down to an already ridiculous turn around time. Then I have to hear every time I call how their doing their job so well, really? Also I have been told of XXXX different possibilities of the outcome of this modification then the last person I spoke with tells me there is really only XXXX possibility and its not really going to help and it is unlikely the rate will get reduced at all then after I state others have told me of rate reduction the person stated well it could go down a little but not even a percent lower. The last issue I want to mention is that this loan was being serviced at XXXX and a week before transferring to Seterus the loan modification had been submitted for a final approval all documents were received in and accepted the broker price opinion was ordered and then the loan servicing transferred on XXXX/XXXX/2015. I was told the loan should at least transfer with that status, but it did not as I had to redo the loan modification package for Seterus and resend information numerous times because nobody is rarely on the same page and paperwork is labeled incorrectly. Should the status have stayed the same since the investors of the loan have not changed? I have sent everything in that is asked for and many times I have been told different or wrong information I once spent {$17.00} at XXXX to make sure the documents faxed were received. I have with the help of my wife done what has been asked and as of a week ago everything is in we now have a 30-45 day wait for the documents to get reviewed by a processor that is a long time to know if more documentation is needed, then in the meantime how much paperwork is set to expire??? At this rate it will never get done. After mislabeling our paperwork for weeks you really cant accelerate our documents for review. But your ready to accelerate the mortgage.
Product: Credit card

I have made payments on time which they still charge me interest fee, which I didn't even know they interest rate was that high, they even recommend opening a 360 account with I did big mistakes, and the platinum credit card is even worse. They close all my account and now all that's on my credit. Which prevents me from buy a house for my kids
Product: Debt collection

Portfolio Recovery XXXX. 
Reporting Opened XXXX. 

Account was charged off By XXXX XXXX  XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. 

I called Dispute department at Portfolio on recorded line. Told he the issue. 
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is Citibank. Creditor is reporting false information on my credit file with all 3 credit reporting agencies. Creditor is reporting " Credit line closed / not paying as agreed '' this is not true. I closed this account because of billing overcharges I was getting so I decided to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.
Product: Mortgage

I was under the impression that when my loan reach 78 % loan to value ratio based on actual payments the servicer would be legally obligated to remove the PMI. They are choosing to require a valuation and 2 years of payments first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX XXXX XXXX XXXX  XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX  Monthly Payments XXXX XXXX XXXX XXXX   XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX/XXXX  XX/XX/201XXXX XXXX XXXX  Monthly Payments
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX
Product: Credit card

I applied for a balance transfer credit card promotion because it said that it would have it was either 18 months or 24 months interest free and so I thought that was a great opportunity for promotion and I got an advertisement card from Navy Federal credit Union, and so I didnt realize I received two different promotion cards from the bank with different codes and so I use the one that was on the top assuming it was the balance transfer but no it was just a {$200.00} credit in a statement, which doesnt make sense if Im trying to transfer a large Balance and when I called the bank and asked if theyd be able to honor the balance transfer with no interest for the. that it was offered I believe it was 18 months. The lady was like no because you entered the wrong code and she pretty much just hung up on me. Simply asking to waive 18-24 months of interest on account and waive the transfer fee for that same amount of time please, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disobeying the laws. I have showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can keep go onif you need me to all I'm trying to do is provide a better life for my family. 

The credit bureaus have no respect for the laws.
Product: Credit card

There was a promotional offer with this bank issued the store credit card to pay the full amount within one year to avoid getting interest charges. This offer ends on XX/XX/23 I was traveling overseas and as soon I got back I gave the bank a call on the XXXX to process the payment and waive the interest charges in the amount of {$500.00} XXXX which the bank represented agreed to do if the payment is received in full before the charged interests. I could not process the payment on my end since I did not get the correct amount balance prior the charges so I called the bank on Tuesday however the department responsible for processing the payments was closed for the day. Called again today XX/XX/XXXX to process the payment before the interest charges have which I did pay {$730.00} however the bank representative did not honor the interest charges waive agreement and did not even accept to calculate the days I was late to make a payment after the offer expires so I can get only charged for those days not the entire month. Please review and your feedback is highly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, equifax, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' Equifax has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( XXXX of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccurate and incomplete information currently listed on my credit profile. The data in question is not in compliance with XXXX XXXX guidelines, and it is adversely affecting my creditworthiness, resulting in higher interest rates and missed opportunities for promotions at my current job. 

Below are the specific accounts that require immediate attention and correction : XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. Affirm XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX XXXX  XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please update to never late/pays as agreed XXXX. XXXX XXXX XXXX Please update to never late/pays as agreed I request that these accounts be removed and my credit profile updated accordingly, whether these accounts are currently reporting or not. The erroneous reporting on these accounts is causing significant harm to my credit profile and, consequently, to my financial well-being and professional life.
Product: Debt collection

Ive sent XXXX letters to this company asking for the original agreement and my signature stating it was my account and didnt receive any information back any letters anything?
Product: Money transfer, virtual currency, or money service

XXXX XXXX XX/XX/XXXX a total of seven unauthorized transactions took place on my Chime Account for the amount of {$1300.00} XXXX filed a dispute because I suspected suspicious activity on my account and Chime denied my claim I reopened my claim three times and chime denied my claim all three times and I submitted supporting evidence I submitted my time sheet showing I was at work when these transactions took place and I submitted a police report I filed. It says the transactions was sent to somebody in Arkansas I dont stay or know anybody in Arkansas . My paycheck was basically stolen out of my account and left my account in the negative.
Product: Credit reporting or other personal consumer reports

The account says closed and then after months of it being closed now its late payments added
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX Mortgage payment was incorrectly reported as 30 days late in XXXX of 2023. I disputed this with XXXX XXXX Equifax. I provided multiple forms of confirmation showing that my payment was on time. This included payment confirmation from XXXX. 

After closing the dispute, XXXX determined that the late payment was reported correctly and chose to keep it on the report. I have escalated this with XXXX, providing once again the proof of payment. 


Equifax has not updated m report after closing the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$520.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00}
Product: Vehicle loan or lease

Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX ( Auto Loan ), opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud. I request that TransUnion block these fraudulent items immediately, as required under the FCRA, and confirm their removal from my consumer credit report.
Product: Mortgage

We were first presented with an opportunity to ease the financial burden of paying our mortgage by researching the CARES act. XXXX XXXX, our mortgagor at the time, had a loan forbearance program that helped us pause payments on our mortgage temporarily. 
This provided great financial relief to our family since my wife was unemployed during most of the pandemic. 
We continued our forbearance until XX/XX/XXXX, thats when we contacted XXXX XXXX and they had us complete a Mortgage Assistance Application. We completed the application as instructed, because we were under the impression that the amount owed from the forbearance would be added to the backend of our mortgage, so that our payments didnt go up or we wouldnt have to pay back {$40000.00} all at once. We continued calling and following up with XXXX XXXX, but we never got an answer of where we were in the process. It got to the point where our credit score was affected negatively. In XXXX, XXXX, and XXXX of XXXX we started to make our regular payments so as not to have any more bad remarks added to our credit scores. At the end of XX/XX/XXXX, we were contacted by XXXX XXXX and after explaining our situation they suggested we complete a loan modification. During the modification we were instructed to make partial payments until it was completed. We kept making the partial payments until XX/XX/XXXX, which is also when our mortgage was sold to Midland Mortgage. We contacted Midland who said that they had no idea we were in the middle of a modification, so they offered to start the loan modification process all over again for us. It wasnt until XX/XX/XXXX that the modification process was completed, and we would resume making regular payments. We are currently making are monthly mortgage payments without issue. It wasn't until we had a financial advisor look into our modification terms that he stated we may have been taken advantage of. We had a junior lien backed by HUD placed on our home for over {$100000.00}. On top of that our interest rate was raised to 7.25 from 5.135 %, the term of our loan went from XXXX years to XXXX years! and our payment was only reduced by around {$40.00}. We were taken advantage of as we were made to feel like this was the only solution opposed to selling our home. The other issue is that even though we agreed to the covid-19 forbearance terms, and made low payments as instructed during our loan modification we still received negative remarks for missed payments on me and my wife 's credit reports. We tried several times to dispute the remarks, but we keep getting the same answer that the reporting is correct, and we could dispute again. We literally feel like we are getting no help.