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

My name is XXXX XXXX, I had an issue paying such a small balance on my Discover credit card. I have an excellent long standing history with all my credit cards. In XXXX I was not able to make my payment, which caused my to go late for more than 30 days, thus my account was reported to the credit bureau for a negative impact on my credit report. I XXXX from XXXX when it was beginning here in the USA at that time. I was at the XXXX and I recovered after a months time. I was not able to make the payment. I called Discover and they were no help at that time, there was no deferment back then or any sort of help or understanding to my situation. Discover refused to help and instead reported me to the credit bureau negatively impacting my credit report when I had perfect standing! I want a resolution in good faith as this was an emergency and one time occurrence to resolve this in removing this negative report from my credit report as it has impacted my credit score and information to all potential lenders/banks. Now with the hardship of how COVID is now, I would really appreciate the help and resolution with Discover to put my account back in good standing. Thank you.
Product: Vehicle loan or lease

I obtained a car loan in XX/XX/XXXX for a XXXX XXXX with Wells Fargo XXXX XXXX. In the time since, I believe I missed 2 ( maybe 3 but I doubt it ) payments : once due to my bank account being frozen as someone fraudently withdrew several thousand dollars from my account. I always make a payment of $ XXXX {$270.00} every month but yet the balance on my loan never decreases. According to me, I should owe approximately {$2000.00}, if even that much. My credit report shows a continual balance of {$4400.00}!! I'd like to know what the actual balance is as I'll either pay the car off soon or refi with a much lower rate - my loan is at 11 % and my scores are now XXXX and XXXX so I could qualify for a much lower rate. I would appreciate any help that you can provide. I know this seems to be a common complaint regarding Wells Fargo 's loans. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Credit reporting or other personal consumer reports

I EMAIL A DISUTE TO EXPERIAN ABOUT WRONG PERSONAL INFORMATION SUCH AS WRONG NAMES AND WRONG ADDRESSES AND EMPLOYEYMENT INFORMATION.
Product: Debt collection

I filed a dispute with credit bureau since this account is showing -- for XXXX, XXXX closed with a charge off, then XXXX   open with 120 days late? They sent via mail what they consider validation of debt dated XX/XX/XXXX. I called on XX/XX/XXXX attempting to settle for {$160.00}, since I am not currently working and have been off work since XX/XX/XXXX for XXXX XXXX XXXX. I explained to the rep I spoke with over the phone once she asked me about the dispute, and I told her that they are not reporting to my credit bureaus accurately and consistent so it is hurting my credit, I'd rather settle and close the account. I am willing and able to settle and close the account for {$160.00}, so it can just be taken off all my credit bureau accounts so they can all finally report accurately.
Product: Credit reporting or other personal consumer reports

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX TransUnion XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion
Product: Debt collection

I am writing to file a formal complaint against Monterey Collection Services, also known as Monterey Financial Services, regarding their failure to send proper notice of debt and unauthorized debt reporting on my credit report. 

On XX/XX/XXXX, I sent a debt verification letter via certified mail requesting proof of the debt in question. XXXX responded via mail on XX/XX/XXXX, and XX/XX/XXXX, providing the following documents : State Licensing ( XXXX  XXXX  ) Consumer Consent form Sales Agreement XXXX XXXX Account Summary and History IT Distributing ( original creditor ) Account Summary and History with Payment History. 
On XX/XX/XXXX, I sent a follow-up letter indicating that they failed to notify me of this debt and raising concerns about balance discrepancies. Specifically : XX/XX/XXXX balance : {$XXXX} XX/XX/XXXX balance : {$XXXX} XX/XX/XXXX balance : {$XXXX} XXXX replied on XX/XX/XXXX, with the following information : Principal : {$XXXX} Late Fee : {$XXXX} Decline Payment Fee : {$XXXX} Interest to Date : {$XXXX} Total Amount Due : {$XXXX} They also stated that interest continues to accrue until the debt is paid in full and claimed to have contacted me multiple times by phone and email. However, they did not provide proof of these contacts. 

On XX/XX/XXXX, I called XXXX to discuss a settlement agreement. During the phone call, the representative asked for unnecessary personal information, including my employer 's name, which seemed inappropriate and raised concerns about the legitimacy of the call. The representative indicated they would get back to me about a potential settlement, but I never received a follow-up. 

On XX/XX/XXXX, I sent a second follow-up letter requesting the following documentation : Proof of their attempts to contact me, including phone call logs, email correspondence, and certified mail tracking information ( if applicable ). 
Copies of any written notices they claim to have sent me regarding the debt being sent to collections, including the date of mailing and any delivery confirmation receipts. 
As of XX/XX/XXXX, I have not received a response from Monterey Collection Services. 

I am requesting that the CFPB investigate this matter and help ensure that Monterey Collection Services complies with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing the required documentation, addressing the discrepancies in the reported debt, and ceasing any unauthorized debt reporting to credit bureaus until proper verification and documentation are provided.
Product: Credit card or prepaid card

Two years ago when my husband was alive one of his credit cards was bought out by PenFed at that time he had a XXXX balance, they sent him a credit of XXXX dollars for being a new customer and then started charging XXXX per month for a statement fee he tried cancelling many times. He ended up paying them. 

Now more than a year after his death Pen Fed sent another credit of a XXXX  and a statement fee of XXXX dollars at this point he owes them XXXX dollars Is there any way I can get this account closed and stop having to pay statement fees on credits they keep adding I have called serval times and sent them a copy of his death cert.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is willing reporting false information to my credit report on XXXX and XXXX. They Updating the bureau with the wrong information even those I have proof from Honda of the correct information. It is past the 7 years and should be off my reports but Honda is reporting different inaccurate date knowing they are wrong.
Product: Debt collection

A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known XXXX XXXX? 

I received a letter from Synchrony Bank XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX  to my XXXX. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Product: Mortgage

Loan was sold to Rushmore Loan Management Services. During the change of loan management I received a letter from the original loan service company telling me the loan would be changed to Rushmore Loan Management Services and they gave me a new account number and address to send the payments to. I use bill pay on XXXX and did just that. Got an automated call today XXXX from Rushmore Loan Management Services telling me to contact them. I did. The person asked if I planned to keep the home and then asked for the payment information. I provided the info I was given and was told the account number had been changed. Rushmore Loan Management Services rep said my check would be mailed back to me and I would have to submit a new payment with the correct account info. I have no issue with that except that they said I would be charged late and other fees since the loan would be considered late after the XXXX. There is no way I will get the check, bill pay another one and have it posted by the XXXX, that is only 5 days. I asked them why I would have to pay fees on a new loan and asked if they could not be charged or waived since this is a new loan in transition. They were unwilling to discuss or work with me on it. What options do I have, if any to deal with this.
Product: Checking or savings account

Robinhood has restricted my account, preventing me from opening new positions or adding/withdrawing funds. They initially said they would provide an update, but have not in almost XXXX days. Ive reached out to customer service, but theyve offered no clear information. Ive read concerning reports from other users whove had their accounts closed, with funds withheld, and Im worried that this could happen to me as well. I need transparency and access to my funds as soon as possible.
Product: Mortgage

Credit Union Mortgage Association ( CUMA ) has been posting my monthly mortgage payments to my account. However, starting XX/XX/year>, bank started claiming that it never received payment. Bank also stated that it never received XX/XX/year> payment. Monthly payments were sent by either Priority Air with tracking, or via certified mail. Despite this, bank still claims it never received payment. Bank received payment on XX/XX/year> according to U.S. Postal Service certified mail. It's now XX/XX/year>, and CUMA still hasn't posted XXXX payment to my account.
Product: Credit card

i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have reported : National Credit System : Account number XXXX
Product: Debt collection

this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. 

It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. 

How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. 

This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. 

Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. 

I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX/XXXX  XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX  reported to Experian that I applied for credit in which I never appled for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and name corrected on my report as this is a violation of my consumer protection right.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXXXXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get this deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have notice if I return and item back to the store, it does not take the charge off, it still charge me for items I have retuned Several items I have returned but it does not show it has removed the items off the account I called Target twice and they could not really could not have not help me I needed to go back to the store to remove several charges. 
I tried to go over the information but they did not want to work with me They spoke very limited English
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX 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 XXXX 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