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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 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 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: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report.

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable laws.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX  XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.
Product: Credit reporting

I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.
Product: Vehicle loan or lease

Back in XX/XX/ 2018, I called XXXX that I wanted to surrender the vehicle but they said it has to be 72 days delinquent for them to reposes the vehicle. It has been four months now that it has been delinquent. I can't pay for the car and I just ask that it be picked up but they just keep offering me deals to lower the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

On XX/XX/2020 I decided to go another Mortgage lendering after Acre Mortgage missed my mortgage commitment date of XX/XX/2020. Fearing loosing my house I signed a written request to cancel my loan and transfer my appraisal. XXXX XXXX the owner immediately contacted me and told me that if I left XXXX that he would charge me all types of fees. I contacted my XXXX XXXX XXXX and she told me it was illegal for him to threaten and intimidate me like that. She also told me that I did not sign anything stated I would be charged a fee for canceling my loan. This felt like predatory lending! Acre Mortgage has now cause me to miss my settlment date of XX/XX/2020. I am praying not loose out on my home purchase. Please help!
Product: Bank account or service

A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to Equifax today XXXX XXXX/XXXX/XXXX XXXX to request a copy of my credit report. For over a year now I have been unable to request my Equifax credit report using the Equifax website. The problem is with the challenge questions that are presented that must be answered correctly. The 4 questions do not represent information on my credit report, nor do they represent any accounts in my credit history. When I asked the Equifax customer service representative about this he stated that the questions are pulled from a central system, not the credit report. There is no way to successfully answer the questions since they do not apply to the requester.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Removal of Account Dear Consumer Financial protection Bureau I am writing to formally dispute inaccurate information being reported on my credit report. After reviewing my credit reports from both Equifax and XXXX, I noticed a discrepancy regarding an account with XXXX XXXX. 


The account details differ between the reports : XXXX. Equifax states that the account was closed on XX/XX/XXXX, with a reported balance of {$9600.00}. 

XXXX. XXXX states that the account was closed on XX/XX/XXXX, with the same reported balance of {$9600.00}. 


This inconsistency is an error, as the dates and account statuses can not align. Additionally, given this discrepancy and the conflicting payment history, I am requesting that this account be fully removed from my credit report. The inaccurate information is negatively impacting my credit score and does not reflect the correct status of the account. 


To support my claim, I have attached the following : Screenshots of the account details as reported by XXXX and Equifax. 


Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I respectfully request that your office investigate this matter, correct the error, and remove the account from my credit report. 


Please provide a written response confirming the results of your investigation. You can contact me at XXXX or your XXXX if further information or documentation is required. 


Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

My auto loan is serviced through Chase, which I have had for a little of XXXX years for a XXXX XXXX XXXX. I have never been late, I actually pay my payments XXXX months in advance. 

I was in a car wreck in XXXX which I incurred some unforeseen expenses with the insurance car wreck, medical out of pocket expenses and currently going through XXXX XXXX. 

I spoke with a Chase representative and manager on XX/XX/XXXX explaining my situation and requested for a XXXX month extension on my loan. The agent went through a series of questions to identify the issue. Once completed she informed me that I didn't qualify for the extension due to my loan being current and I was still attending doctors visits. I explained that this was a short term situation and I was still working and if allowed the XXXX month extension it wouldn't be such a financial burden to continue paying on my existing bills. I have never gotten an extension on this loan, so this seemed extremely wrong being that fact I'm trying to be proactive to keep my affairs in tack. I was informed I can contact them back ( Chase ) once I'm past due to possibly discuss a payment plan. This simply falls under a UDAP experience that I'm not being allow the same opportunities as someone that's late on their loan to be approved for an extension, or having the opportunity take advantage of an extension offer as I'm current and they're late. 
Being current doesn't mean I should be penalized for paying my loan on time, I should and all consumers should have the same opportunity when I'm experiencing an hardship as a consumer that's past due does. This just seems unfair that Chase only extends help at the benefit and interest to help their portfolio preying on the weak to help minimize losses and forgo those that actual help their portfolio during forecasting and profit-sharing time. 

So basically what Chase is implying, I have to impact my credit and gain more interest from me to even possible be helped in regard to my hardship. I won't stop there as being past due base on what the agent stated qualifies for a payment arrangement so this may require you to go over 30 days before willing to help... Which then will impact my credit just to get some help!!! This matter needs to be addressed as unfair practices and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX 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 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, Please remove these inquries from my credit file.
Product: Mortgage

I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. 
HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Another name is listed on my credit report. There is also a chase account that states it is overdue, but it belongs to this other person on my credit report.
Product: Debt collection

im trying to work on this when i moved alot mine and my daughters stuff was stolen shes only XXXX yrs and are unware of this debt and how could be here shes under age im very worried about this now
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.
Product: Credit reporting or other personal consumer reports

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, Amex/ Citi , N.A closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax to find out why no information is being reported for me while both XXXX and XXXX have no problem issuing a report. I was referred to the XXXX XXXX XXXX to investigate this matter. I then sent updated ID information ( see attached ). Every month since then, I get the same non-reporting which is hurting my chances of getting a new home loan. Equifax has never sent me any correspondence explaining why a report can not be generated.
Product: Credit reporting or other personal consumer reports

HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE XXXX AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH XXXX XXXX, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY XXXX REPORT XXXX WEEKS AGO XXXX TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO XXXX, AND XXXX, AND EQUAFAX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... XXXX TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, XXXX HAS TAKEN XXXX POINTS AGAIN FROM MY CREDIT SCORE, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO XXXX AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..
Product: Checking or savings account

I have had a Capital One 360 savings account for over a decade. I just found out they started basically an identical 360 performance account the pays a much higher interest rate but they didn't inform me. I am not sure why i wasn't included when they started this new account. I called today and they easily switched me into the new account with the higher interest rate but not sure why I wasn't included when they started the new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.