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

XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX to rectify the late payment XX/XX/2021.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 those account 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 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: Checking or savings account

PNC has gotten in the practice of not posting transactions until late at night in order to charge you overdraft fees after their cutoff for transfers. My account did not appear negative until they charged their over draft fees ( 1 of which they're claiming for a {$1.00} transfer to a savings account XXXX Zero transparency in their online banking. spent 30 minutes on the phone being talked down to about keeping a check log book. I spent more money on their overdraft fees than on anything else and I'm done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Service Loan Providers for my Student loans. On XX/XX/2023, I received an email from U.S. Department of Education regarding " Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement ''. This letter indicated the discharge of my loans from XXXX XXXX, Refund of payments made, and delete credit report associated with loans. It also stated my loans with fall under a forbearance for the duration until discharge of loans were completed. 
I had contacted XXXX which they assured me they would handle everything else and there wasn't anything for me to do. XXXX had done a great job on honoring the request. 
I had contacted Aspire LLC and they were an entire opposite of the type of response and treatment. They had told me they could not honor my statement. I emailed them the letter received from Department of Education and still they could not honor that either. About a week later, I get a notification from my credit reports that I had gone down about 70 points. I had called Aspire to see my status and they put my account as 4 late payments on 2 accounts. I tried to explain that I had been talking to them for weeks and not one mention this was going to occur. I had thought my account was in some forbearance but it wasn't. After speaking with another representative, they had finally put my accounts on a 90 day hold until entire Borrower 's case goes through. I don't understand why this wasn't done in the first place. I am now 70+ points lower on my credit report. I have worked very on getting where my score/points had been and this just sets me back even further. I am in the process of moving and trying to find another place. This low score definitely is affecting my ability to get a decent place with lower cost. This also puts my job at risk because I work with the U.S. government and having a low credit score can be deem a risk. 
I understand these loan and credit score will eventually be wiped out and disappear but as of today when I need whatever score I can get for my credit, the help I need isn't there. 
I believe the company Aspire LLC decided to report my account on the basis of retaliation. It wasn't until I reported about the Borrower 's case that my status drastically changed. Please help resolve this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Chase Bank USA Na Credit Bureau : XXXX  XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Chase Bank XX/XX/XXXX ) I contacted Chase Bank Usa on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Chase Bank Usa or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my name as XXXX XXXX and that I live in Tennessee, I've never lived outside of ARIZONA and MY NAME HAS NEVER CHANGED. THEY ARE THE ONLY CREDIT AGENCY THAT IS KEEPING FALSE INFORMATION ON MY CREDIT AND I'VE PROVIDED THEM MULTIPLE TIMES COPIES OF MY BIRTH CERTIFICATE, DRIVER 'S LICENSE AND OTHER ITEMS JUST FOR THEM TO KEEP FALSE REPORTING AND TELL ME ON THE PHONE AND EMAIL THAT I CAN'T DISPUTE THE INFORMATION AND ITS ACCURATE. I NEVER LIVED AT XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX AND MY NAME IS NOT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding XXXX tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with Equifax and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX  has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Product: Vehicle loan or lease

Lobel Financial Corporation, located in California, is currently financing my car loan. A few months back, I was a victim of Identity Theft, due to my doctor 's office computer server was breached, and a lot of client 's information was compromised. That was the reason I was late a month on this loan. 

After that, they instructed to make payments using XXXX XXXX or XXXX XXXX, and I am not longer qualify to make payments using the company website until further notice. I spoke with one of the agents, and he told me this was a temporary situation, and I will be able to make payments online, the same way I was doing before my identity was compromised. 

I was trying to make a payment using the website, and once again, the system is not allowing me to do this. I called Lobel Financial Customer Service, and they told me that I am not longer able to make payments, probably for the rest of the life of the loan. The agent also told me that to make payment using the company website is a privilege and not a right. 

The primary situation is that I live in Texas, and the near office of Lobel is in XXXX, XXXX, or XXXX XXXX, and those offices are two to three hours away from my primary residence. 

I believe that Lobel is incurring an unfair practice and cause me a double penalty by forcing me to pay an extra fee to send the payment electronically. They not even a chance to reconsider or also appeal to any other authority in the loan department. Please advise me on what I can do.
Product: Prepaid card

My amex gift card keeps giving me a " system error '' message when I put the number in. I have no idea what the balance is. This is a {$200.00} gift card given to me at work and I can't use it at all. I have called a couple of times with long wait times and was only told that on XXXX date the system will correct. It has been several months and it hasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 chapter XXXX bankruptcies on my report that do not belong to me
Product: Credit card or prepaid card

Cash app closed my card and denied my claim for refund I purchased from XXXX and XXXX curez was paid under cash app name not the company and then they said it was shipped and link in that email said Everly shipped it and Everly company sent me an email that they never received any orders from me. And this they sent me after it was already supposedly according to track 17 had delivered the package. It was rediculas and when trying to send cash app all the info I had they said no and said I was canceled so I have my work checks {$1300.00} every two weeks going to a cash app account with no bank card to pay my bills with or get cash out of and atm with ..because I was ripped off. So of course I wanted a refund there is a visa logo on my card it make purchases protected for me. But cash app will not even look at the evidence.
Product: Debt collection

I have received harassing phone calls from collectors 2-3x a WEEK regarding this debt.I have about 32 different phone XXXX phone numbers blocked within my phone.Last XXXX I received a very harassing and abusive phone call from a male collector regarding this account and I did give my time to him as well as explain I had XXXX XXXX and from XXXX to present underwent XXXX and had many complications with XXXX  XXXX as well.Since I was XXXX XXXX, I could not receive any benefits from state or federal help.I applied for XXXX twice and was denied.Given the lengthy process, I gave up. I am also a single mother who does not receive child support. 
I was not looking for a hand out or free ride I was just trying to explain my situation. 
He said my health conditions and employment status held no prospect of relief from this debt and I need to pay it regardless.He threatened to contact my bank and said he would be sending it to an attorney if I did not pay it within 2 weeks from that date. 
He was rude and threatening.He started asking me to give him my bank information and he could take a payment now to avoid further calls/ interest. 
I was not home, I did not have my banks routing number or even my checkbook. 
I remember exactly where I was during that call, at the beach with my son. 
So when I offered to call within 24 hours to try and come up with a solution he said well good luck with that, this was your final warning and it will be sent to a collection attorney, get a lawyer. 
I was beside myself and consulted with a family member and they told me not to call and wait it out. 
I did.From that time in XXXX of XXXX and present, I have received multiple calls weekly, and up until XXXX, daily. 
I am now receiving letters from an attorney.The first was in XXXX, dated XX/XX/XXXX and most recently yesterday dated,XX/XX/XXXX.Please advise as I want to improve my credit score and pay the debt if necessary.I live in RI. 
I am able to pay some of my debt due to my stimulus check and to stop all these harassing letters/calls. 
Thank you for your time.
Product: Debt collection

Repeated phone calls from citi bank and I already told them I'm not able to pay and they still call harassining me day and night they just called at XXXX XXXX  they been calling none stop everyday I just want to be left alone nothing I can do about the debt and I will be filing bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Transunions This company to include Transunion has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # XXXX. XXXX XXXX is a credit card builder company. they do not have auto loans. # 2 I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # 3 this has determented my life!!! I can not get a LOAN i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW
Product: Checking or savings account

The teller at the XXXX XXXX branch failed too properly place money in the appropriate account. I have a personal checking account and a business account that I deal at 5/3 -- -the money set in my account since XX/XX/year> in XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

This company is in violation of the Fcra 15 usc 1681 I have noticed so misprinted things on my credit report under public records Date XXXX Ref # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. One more thing 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.
Product: Mortgage

I recently discovered that a, MORTGAGE had been created in my name without my knowledge and consent. That The Veterans Administration is aware of this, as my Veterans Pension that I never received was being used to pay the, MORTGAGE.I went in person to address my findings with the, Veterans Administration XXXX XXXX XXXX, North Carolina, formally XXXX XXXX, North Carolina. The following statement was made, WE WILL FIX IT. The Veterans Administration are very aware that, MORTGAGE LOANS are being made in our names, and that Surviving Spouses VA Benefits are being STOLEN this way. I am a Surviving Spouse of VETERAN.
Product: Credit card or prepaid card

I recently noticed that my credit card was used to pay for a large purchase. I immediately contacted the credit card company and reported the incident by filing out a form and faxing it per the instructions at their website. 

I waited a couple of weeks and did not hear back so I called to make an inquiry. The service representative I spoke with took my claim after I explained what happened. 

The issue was that I lost my laptop and believe it was taken by a roommate I used to live with. Since my XXXX store credit card is stored in my account. It was used to make a purchase. I have possession of the card It seems the transaction has been reversed and I am being held responsible for something I did not purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested, on line, for my free credit report and Trans union kept redirecting me to a page that requested my credit card number. I eventually reasoned that they needed this information as part of the I.D . info they needed to verify my identity and was signed up for credit protection service. I canceled the service within an hour and they charged me for a month of service, no cancellation offered or refund. They offer no way to correct this on line, and I could not find a phone number for Trans Union on their web sight. I XXXX the phone number and called them. I spoke to a customer service representative and she told me that I would have to call another phone number. I repeated the phone number and she verified that it was correct. When I called the number it is for the sales of a emergency medical device and nothing else. The person would not stop taking and I hung up on them and called back. This time I responded no to the question " are you or someone in your family XXXX or older '' When I responded " no '' the I was disconnected. I tried to call back again and received a recording that the phone number could not be made from my service area. Trans Union at best is a fraud company themselves using unethical business practices.
Product: Debt collection

XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XXXX Todays Date : XX/XX/XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX  : ( ALLEGED ACC XXXX XXXXXXXX ( DATE ALLEGED OPENED XXXX XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX ( ALLEGED ACC XXXX XXXX XXXX ) ( DATE ALLEGED OPEN : XX/XX/XXXX ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE : XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX  ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

problem started started with XXXX XXXX in XX/XX/XXXX.refinanced my home and was told my new payment would be XXXX a month.They were suppose to include my taxes and insurance.I was then contacted and told they forgot to include my taxes and insurance and jacked my payment up to XXXX.I told them from the beginning I was XXXX and .They said they were sorry but they could not help me. addressXXXX XXXX XXXX nj XXXX phone XXXX.just found out my loan was sold to chase loan XX/XX/XXXX phone XXXX ext XXXX loan officer .Address jp morgan chase XXXX XXXX XXXX, XXXX ohio XXXX.I called them and asked them if they could give me a cheaper rate and was told no, even though I am XXXX.I just received a letter and said they would refinance now and want to charge me XXXX in closing cost and XXXX in cash to close.I am suppose to have a XXXX  XXXX   loan.I am trying to find someone to help me I am a widow on XXXX.If I cant find help I will have to move.I have been in my home for 33 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the stress and XXXX this is causing me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.