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

I have inquiries on my transunion report that are not mine, I need them removed ASAP
Product: Vehicle loan or lease

I checked my credit and it dropped by XXXX points because carmax over ran my credit to a bunch of companies. I never gave them authorization to do so and im very upset because yes i planned to get a car. But not through carmax. I never gave them any of my information nor permission to do so. Everything that says XX/XX/year> i did not authorize.
Product: Payday loan, title loan, or personal loan

I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. 
I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX  and XXXX
Product: Debt collection

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 - XX/XX/XXXX - {$540.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I received a credit card application from XXXX, XXXX, XXXX, XXXX and XXXX XXXX in the mail dated XX/XX/XXXX and XX/XX/XXXX. They have all been declined. They alll have the same name and my address on them. 

XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX : Application ID XXXX XXXX : Application ID XXXX XXXX : Application ID XXXX XXXX  : Reference Number : XXXXXXXX XXXX  : Application ID XXXX Application ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove old deragotory information from my credit report. It is m ore than ten years old. The statute of limitations has expired.
Product: Debt collection

My wife and I had identity theft in both our names. We tried to resolve with HSBC. We received a letter that the issue was resolved but still receive statements trying to collect on debt. We have reached out to XXXX XXXX but have not received a response.
Product: Credit card

Fraudster open a credit account through XXXX and charged over {$800.00} to that account without my consent. The charge was immediately notified to XXXX. The charge was then disputed and the related account was closed. I received a phone call from the following at the same time. The charge occurred, which makes me suspect that the person was associated with these scam accounts. Multiple phone calls were made which increased the likelihood that this is the person behind the fraud. 

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

on XX/XX/, i applyed for a XXXX XXXX credit card to pay for my transmission, i was aproved. Equifax, XXXX, XXXX, doct me 62 points. 
i have no other credit cards. 
XXXX, the credit card sent me my first payment, the credit ajency, doct me 90points!!!!!!!!. i was already penalized for the card already. 
i have paid on time, all personal banks loans on time. i have one payment left on a loan in XXXX. i have not over exstendted my credit and have a 3 year clean excellent payment record. i am tired of them messing with my credit and my person. XXXX the credit brueu, doct me 43 points for a hard pull from XXXX. the person who did this, did the pull without my permission. 
i sent names dates, and proof. certfied receipt, filed a dispute, they never answered my dipute, nore salved the problem. its been on my credit. its supose to come off XXXX, i have indured there ilegal non regulated actions aginst me long ENOUGH i want them to stop hurting my credit efforts and hard work. they have unfairly removed un reasonable points from me, and twice for the same thing. 
THIS IS A FORMAL COMPLAINT, AND I WANT THEM HELD ACCOUNTABLE NOW.
Product: Credit reporting or other personal consumer reports

I was hospitalized and was unable to make payment. I called XXXX and asked if they could push payment to back of loan. They agreed as I am always on time with payment. However on my credit report it shows I was 60 days late. My score dropped over XXXX points. I wrote two letters, I disputed multiple times on line to credit agencies and got verification letters from XXXX. XXXX said it was computer generated and there was nothing they could do for me and to go through credit agencies. I just dont know what to do at this point. I am always on time with payments and have worked so hard on my credit.
Product: Credit card or prepaid card

I have a credit card with Chase. I also have  XXXX  & am in school full time, so my wife agreed to pay our bills. This is the second time she has been late making this payment in 4 months, which is rare. We mailed a postmarked payment on the  XXXX  of  XXXX   XXXX , the payment was due on the  XXXX , but the company did not receive it until the  XXXX . They charged a late fee. I called the company to get the late fee dismissed but they told me they only give  one  of those every 6 months & I already had one in  XXXX   XXXX . I was informed that federal law protected consumers in the   XXXX   XXXX     Postmark Payment Protection Act    XXXX . I called the company back with this information & was told that bill was only introduced by Congress but never ratified into law. My family is striving to meet our demands on a fixed limited budget to get through school. This late fee has come as an unexpected surprise to our finances. We strived to make our payment on time, but we had no idea that the mail takes so long or that these protections are not actually in place. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX, XXXX and Transunion 's failure to honor my credit report update request, despite my numerous attempts to rectify incorrect information on my credit report. 

On XX/XX/XXXX, at XXXX XXXX  XXXX, XXXX received my certified mail in XXXX, TX, XXXX, containing my dispute request. Despite this, XXXX has not made any changes or adjustments to my credit report. I have sent multiple follow-up mail attempts, but they have continuously failed to respond appropriately. 

On XX/XX/XXXX, I submitted a dispute to challenge the accuracy of specific information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i ( a ) ( 6 ) & 15 U.S. Code 1681i ( a ) ( 7 ), Experian is required to investigate and respond promptly. Instead, I received a generic stall letter, which did not address my concerns or show any real progress in investigating the disputed items. 

I have conducted research and discovered a CFPB report indicating that XXXX uses automated methods to send stall letters, likely in an attempt to push consumers towards using their online dispute systems. However, there is no law prohibiting me from utilizing today 's technology to analyze, create, and send disputes via mail. 

Despite my numerous attempts and the clear evidence provided, XXXX has not updated my credit report or addressed the specific disputes I raised. The inquiries I requested to be removed from my credit report include : XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX XXXX 's refusal to address my dispute and their continued use of stall tactics are unacceptable. I demand that XXXX immediately removes the aforementioned inquiries from my credit report and provides a detailed explanation for their failure to comply with the FCRA requirements. 

I have submitted my letters and stall letters sent with dates received. I am not getting any support from the credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not provide supporting documentation, other than verification of the name and last four digits of the account number. They failed to verify the debt with proof beyond just stating my name on the application. Under FCRA 611, if they can not verify with real documentation, the account must be deleted. Secondly, the account states it is charged off. If it is charged off why is there still a balance showing. Reports a charge-off with {$960.00} remaining. If this account has been transferred, the original creditor must update their balance to zero.
Product: Debt collection

I paid XXXX on XX/XX/2021 for {$160.00} and turn in all my equipment on XX/XX/2021 but on my credit report with XXXX  it still say I still owe for {$280.00} to CBE group which is the collection company that XXXX  sent my account. I contact the CBE group to make them aware that account has been paid off and to remove off credit but it is still showing and also contact Spectrum to make them aware also.
Product: Credit card or prepaid card

I have set up my Costco Citi Visa to take from a checking account, an auto payment of the minimum payment due if I have not paid the minimum payment by the due date. This agreement between Citi and I was made on XX/XX/XXXX after I had not received a bill in time to pay it without incurring late fees. 

Today, XX/XX/XXXX, I discovered that Citi is taking a " minimum payment due '' even though there is no minimum payment due. They told me it was what their system does when I have current charges on my account. In other words, they are taking a " minimum payment due '' from charges that are not yet due. They are taking my money when they have no right to it! 

On XX/XX/XXXX I made a payment of {$290.00} ( due XX/XX/XXXX ) leaving a balance of {$0.00}. On XX/XX/XXXX I charged {$79.00} ( due XX/XX/XXXX ) leaving a balance of {$79.00}. On XX/XX/XXXX Citi took a automatic " minimum payment due '' of {$35.00} when there was no minimum paymet due. There is no payment due until XX/XX/XXXX. 

I believe their taking {$35.00} on XX/XX/XXXX is illegal and most definitely not what I agreed to.
Product: Student loan

I am filing this complaint regarding Granite Edvance Corporation 's failure to validate alleged debts linked to accounts ending in XXXX and XXXX and their non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Privacy Act of 1974, and 15 USC 6801-6802. Despite requesting original wet-ink promissory notes or legally authenticated copies, I have not received them, and the creditor has not provided evidence of permissible purposes under 15 U.S. Code 1681b for procuring or reporting my consumer information. Furthermore, they continue reporting transaction history without my explicit consent, violating privacy safeguards. I have formally opted out of any authorization permitting the sharing of my personal data, yet they persist in these actions. I demand proper documentation, immediate cessation of reporting, compliance with opt-out provisions, and assurance of privacy protection. Failure to comply will lead to regulatory escalation and potential legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payment

s may also constitute a violation of the FDCPA. Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. 

XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. 
XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )
Product: Credit reporting or other personal consumer reports

My account with 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 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 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: Mortgage

NEW DAY USA ... ..Multiple avoidable delays, lies and outright fabrications on the part of my representative. He also refused to have his supervisor contact me. I had to initiate contact and was often ignored for days. Multiple interactions have been needed to get through this horribly flawed process. Every single step has been fraught with mistakes that I have recorded in text conversations with the lender 's representative. Abysmal treatment of a terminally ill veteran. They did not fund on the date stated in the contract. ZERO accountability.
Product: Debt collection

In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.
Product: Mortgage

XXXX XXXX and XXXX XXXX have sent Carrington Mortgage multiple different mortgage modification packets. They continue to claim they don't receive the right information. XXXX has kept thorough records of everything that has been sent numerous times. 

The latest letter is dated XX/XX/19 and is asking for more documentation to be sent by XX/XX/19. This is humanly impossible. 

The sherriff 's sales is set for XX/XX/19 and they can not trust that Carrington Mortgage is going to try to work with them due to the multiple times of sending informaiton, not having a single point of contact, and no options. 

XXXX and XXXX 's original mortgage was with XXXX XXXX XXXX which was later sold to Carrington Mortgage. 

XXXX and XXXX can now afford the mortgage payment if Carrington will agree to a special modification of putting the past due on the back of the loan and setting up a new payment arrangement. 

The approx. value of the house is {$160000.00} and they owe approx. {$120000.00} due to the very large down payment they made originally. It is a FHA loan. 

Please help us to get Carrington Mortgage to provide a fair and equitable service. 

Thank you in advance for helping us.
Product: Debt collection

In XXXX of XXXX I switched phone companies because I was continuing to have issues w the billing. I closed the account but found out 2 months later that the employee there was issuing phones on closed accounts and before you know it you have a XXXX bill for a phone you dont have. Then 6 months later I find out that there is a loan out for a mower that a business a city away leased allegedly to me. I go to the business and speak w the owner who says someone who looks like me but def not me came in with a man that was not my fianc this person was over XXXX '' taller and long hair they proceeded to issue this loan with out the physical ID present they " used a copy ''. I never once received a call to clear the fraud alert on my credit as there has been an extended freeze added in XXXX as this has unfortunately has happened in the past. I requested 3 times in writing for Truist bank to turn over any and all documents related to this debt so that I may continue to pursue legal action which they failed to do so. They reported this account for months causing me to loose the funding for my home and now my children and I are displaced. The company failed to send any of the documentation requested and violated my right to even attempt to resolve the debt. This company should be held accountable for not following guidelines to resolve debt and issuing lines of credit/loans without completing Due diligence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. TD BANK CONSUMER ID NUMBER XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I wanted these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX