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

I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through XXXX XXXX. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered XXXX XXXX system. XXXX XXXX sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You
Product: Debt collection

I was a customer of XXXX from XX/XX/XXXX-XX/XX/XXXX. I had a single line, with no data plan. At that time they did not give away phones or let you buy them on payment plans. There is no way that they would allow someone to be over {$600.00} past due without shutting off their service! I have also never recevied any type of correspondence from XXXX stating that I owed any money, I also have never been contacted by a collector about owing XXXX money.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Experian and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian and XXXX my written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Says medical services were rendered in XX/XX/XXXX, however they were rendered in XX/XX/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00}
Product: Debt collection

XXXX and XXXX bought an old debt from Capital One and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX XXXXaw, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX XXXX Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX XXXX  courts.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

I made a purchase on XX/XX/XXXX to XXXX XXXX, I paid for a authentication service and encasing for a collectable, received my item back from XXXX ONLY to find out that it was not encased and was not given a grade, I disputed the charge on XX/XX/XXXX and submitted photos to my bank
Product: Credit reporting, credit repair services, 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 XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Reporting Company : XXXX BANK - Account XXXX XXXX XXXX - Balance : {$4200.00} Reporting Company : XXXX XXXX - Account XXXX XXXX XXXX - Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 

XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE WITH ALL XXXX AGENCIES address, emails, bank statement, XXXX FTC reports ( two separate needed for all accounts ) police report and ID attached for full verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Consumer Loan

I received a letter addressed from Ally financial services regarding an " inquiry '' based on information Ally Financial provided to credit reporting agencies. The letter also provides me with an account number and vehicle information for a XXXX Honda Accord including the VIN number. 
I have not purchased a car since XXXX and when I called Ally Financial information and attempted to get information from a representative named " XXXX, '' he acted very cagey on the phone with me and did not provide me any information. When I asked to speak to a manager/supervisor, someone then came on the line and I could not hear anything but static during the whole conversation. 
I am saking the CFPB to investigate this situation and please provide me with complete details regarding 1 ) to whom Ally Financial provided information ; 2 ) what type of information was provided ; 3 ) what inquiry are they claiming was made by me or someone on my behalf that resulted in any release of information ; 4 ) copy of car payment history in my name as referenced in the letter from Ally Financial 5 ) all information pertaining to how Ally Financial has my name and address on record in association with a XXXX Honda Accord with VIN # XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you to inform you that XXXX and XXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and natural person, Experian violated my right to privacy my furnishing alleged communication about alleged transactions to third parties. Pursuant to 15 U.S. Code 1681a, Experian has in fact included and communicated authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device by publishing the inquires below on my consumer report. In accordance with 15 U.S. Code 6802, I am exercising my right to OPT OUT of the disclosure of my nonpublic personal information to nonaffiliated third parties. 


XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. 
Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX card on
Product: Credit reporting or other personal consumer reports

I have reported several times identity theft of my social security card and identification card. Someone has been using my identity. 
15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 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: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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 XXXXXXXX XXXX XXXX XXXX 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 informatio
n 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 XXXX
Product: Debt collection

This company XXXX XXXX  sold my debt to lvnv collection agency XXXX of my debts. 
These debts are being paid by a third Party Agency XXXX XXXX, I had given to pay XXXX years earlier and were scheduled to pay that are part of XXXX XXXX XXXX have paid XXXX large accounts and XXXX  was next to pay.I have XXXX XXXX  accounts and XXXX is being paid monthly which leaves XXXX XXXX  accounts agreed at a lesser amount. 
This collection agency LVNV have negative effect on credit score after 2 years of repairing score with XXXX XXXX and should not have accounts in the first place XXXX ( XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX XXXX XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, Chase Bank, XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX Citi bank reported 1 late payment to the credit bureaus while I was battling XXXX XXXX illness with XXXX that my county ordered me quarantine notice and the rest of my family and XXXX year old son as well. While facing the corona virus, on XX/XX/XXXX I tested positive and an clear explanation by me to the Citi management team to make accommodations to reverse the negative report that has affected my score and in a pandemic and truthfully sick they replied to me and said were sorry we can not do anything about it, I figured if they were in my shoes maybe they would of had some sympathy. Although a payment due on XX/XX/XXXX for XXXX that includes XXXX and XXXX amount and I processed electronically and Citi bank received XXXX $ to satisfy the total amount of due and the date of the statement and the date I submitted a payment is within fair credit for the consumer, in XXXX I had absolutely no way of leaving home while I was a high risk due to my illness of XXXX I have official documents from XXXX county health department with an order.
Product: Mortgage

To Whom It May Concern : Recently my mortgage servicing was transferred to Selene Finance LP effective XXXX XX/XX/year>. Under the original terms of my loan, I understood that this was a possibility because this is not the first time my mortgage has been transferred to a new servicer. However, I only found out that my mortgage had been transferred when I logged in to the old company 's website to make my XXXX payment. On the old company 's website, I was notified of the transfer and that the new company would be sending instructions on how what to do in the form of a welcome packet. Understanding that I should have gotten something from the new company within 15 days, I attempted to contact the new company Selene Finance LP approximately XXXX XX/XX/year> for further instructions on setting up a new payment account. Under prompt # XXXX designated for " New Customers and Recent Transfers '', it states that we should be patient, and it may take some time for the company to register our accounts and that I would receive further instructions in the welcome packet via mail. On XXXX XX/XX/year> I received a statement and a letter from Selene stating that my loan was currently in default and that this was a serious matter. When I was able to finally make contact with a representative, XXXX Customer Service # XXXX, informed me that she would make a note in the account and if my loan reported delinquent that I could file a dispute, and they would go from there but that was all she could do at the moment. This is deeply concerning and feels all sorts of illegal.
Product: Consumer Loan

On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.
Product: Checking or savings account

My Chime Bank Account routing XXXX, account XXXX reflected 3 charges for {$95.00} to XXXX XXXX XXXX. I contacted XXXX XXXX, only got to speak to a answering machine and have left 3 messages. Filed disputes with Chime. I don't have a XXXX XXXXXXXX XXXX  card, nor have I applied for one. This is literally tying up {$280.00} of my money that I need to buy a car right now. I have had no response from the credit card company nor the bank.