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

I made my monthly auto loan payment to Ally Financial for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from XXXX credit bureau that my auto ally financial was 30 days late. Dropping my score XXXX points. I have proof of payment that was made before the XXXX. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from XXXX due to ally financials error! 


Ally Reference number : XXXX
Product: Debt collection

RESURGENT/LVNV FUNDING i have settled this accosunt in court for less than full balance but the amount shown on the credit report is inaccurate. Also this account is over 7 years old and needs to be removed. This account needs to reflect the correct status
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an entry listed on my credit report which I have tried numerous times to have removed. Apparently someone with a similar name to mine filed a bankruptcy in XXXX, KS and it appeared on my credit report. I filed several disputes with Transunion. Unfortunately it came back verified and is still listed on my credit report. Frustrated I contacted the Bankruptcy court and they informed me that they do not provide credit bureaus or 3rd parties with any Bankruptcy information. As you well know it is a violation of the Fair Credit Reporting act to report erroneous information on a credit report. I ask that it is removed immediately.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with Experian several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted XXXX XXXX and XXXX XXXX XXXX who represents XXXX XXXX!
Product: Vehicle loan or lease

This account has been closed since XXXX. But for some reason the Repo guys keeps showing up to steal my car. I have a video from XX/XX/ at XXXX XXXX  where The repo guy was stealing my car and when he was approached he sped away and my car fell off his hitch and flew into my neighbor 's front yard hitting a tree and injurying me
Product: Credit reporting

I do not remember but in the past i put in a dispute about my old XXXX XXXX account to XXXX. XXXX i 'm not sure did not give my dispute to the other credit agency 's. XXXX XXXX caused my delquiency they charged my card that had a XXXX balance with a {$1.00} cents fee when i refused to pay it they charge me XXXX late fee. I thought it was a mistake and they will see it and correct it.I did n't understand how they can charge me a {$30.00} late fee when I had a XXXX balance. Another month past and they charged me {$30.00} again making my amount {$60.00} dollars on a XXXX balance and a {$1.00} fee. XXXX XXXX never sent me a letter saying they was going to charge me a card Fee if I knew this I would have close the account or never got a XXXX card in the first place.I feel The credit companies Equifax , XXXX, XXXX never investigated this matter.XXXX have the records demand them to release it to your. XXXX XXXX is doing unfair practices to get money and make people credit bad.I feel this information should not be on my credit since i did not cause the delinquency. Also many companies get my information from Equifax which have wrong information about me on it. Number one they have I worked from XXXX for the XXXX. I worked for XXXX since XXXX to now. Second They have multi same accounts on me. First XXXX/XXXX/XXXX is the same company so that is XXXX card. They have accounts that was open in XXXX still on my credit. I understand the XXXX years on the account, but it is not clear to me, is it from the year the account was open or when the account was close. Also there is a car load request on my account. I have never requested a car loan, I went to a dealership who requested my credit score. But I never signed off on requesting a car loan. Also Equifax have a lot of charge accounts on my report and I do n't. I do n't know what XXXX XXXX XXXX is and XXXX XXXX is a card to pay for reading glasses and other health expensive if I can get rid of the card I would but I need it for health issue if my insurance do n't pay for health issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.
Product: Credit card

I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.
Product: Debt collection

XXXX XXXX XXXX XXXX 2 Credit Cards in Debt Consolidation 1 XXXX account that charged me for equipment I returned 1 XXXX XXXX that withheld information on the contract It became a law that medical would no longer effect your credit score and it shouldn't, since these are not debts we chose to create! Most people can't pay the high prices of going to the hospital these days and all the businesses are getting highest deductible possible so they can afford to offer employees insurance. Most never meet that deductible, therefore never use the insurance we paid for all year. I see they have came up with a way to get around this law and that is messed up. Turn it over to collection agency and then put it on people 's credit report with additional cost. If it clearly states on the collection it's " Medical '' then it should not be allowed on our credit reports. I know I'm  speaking for a lot of people here that thing this is very wrong. I've been working really hard to rebuild my credit and was doing good until I moved out of state for a better paying job only to get laid off 4 days later along with most of the other employees. I struggled to pay my bills still and got down to eating one meal a day, because I didn't want to ruin the credit I had built back up. XXXX XXXX and XXXX XXXX need to be sued for false advertisement and I may proceed with that if I can find someone to file a Civil lawsuit. I've been watching my score on these two every month and planned to buy a house again finally at age XXXX and stop renting and according to them, my credit was good enough to qualify. Then only few weeks later I go and do the application to get things going after getting a great job back in my home state near my family again and it comes back under 600 and now I can't get a house! This is so not fair, when things happen beyond our control. I have paid all my bills on time for past 3 years, none of my credit is maxed out, but because of the Collections on my reports, it dropped my score down on all 3 Credit Bureaus, but not on XXXX XXXX or XXXX   XXXX. I also have 2 credit cards that should have been up top as being paid because they are in the Debt Consolidation that I did in XX/XX/2016 after I couldn't manage to pay all my bills and live on unemployment. I think they are on there twice which I know can't be good. I have disputed them on each Credit Bureau and got nothing fixed and just a " Sorry, we can't help you ''! Something needs to be done, it's not fair these Credit Bureaus have the power to destroy people 's lives! I don't deserve this. I've been working 2 jobs for over 2 years to make sure I pay every bill on time! I have a XXXX XXXX XXXX XXXX for which I owe {$57000.00} for and it has done nothing to help me get any of the jobs I have gotten. Then I find out that college was overcharging students but can't figure out how to get in on the lawsuit and get this debt reduced. Can you please help me with my credit report? All I need is a 620 to 630 to get a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00}
Product: Debt collection

I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
Product: Checking or savings account

Marcus Bank by Goldman Sachs email me an offer to receive a {$100.00} cash bonus after 90 days if I enrolled my existing online savings in the offer and transferred {$10000.00} of funds to the account. I completed the terms of the offer and waited the appropriate amount of time. I never received a bonus when I called the bank to find out why, they claim I'm not eligible. I believe Marcus Bank by Goldman Sachs owns by {$100.00} per the terms of the offer I completed.
Product: Credit card or prepaid card

XX/XX/2016 I paid with a Care Credit card for dental services plus dentures at XXXX XXXX XXXX amounting to {$1000.00}. 

The denture amount is what I am disputing was {$400.00} of the balance. 

Fyi..I paid the balance off to {$0.00} a couple of years ago. 

I was hurt by this dentist after procedures ( which I reported to my dental insurance company ) and returned later the same week for excruciating pain that the dentist blew off stating to deal with it, it will go away & gave me narcotics. 

Thus, I did not want to return for any additional work but I DID request my dentures " several '' times to take home that they would not release, nor give to me unless I let them do it, which I was not comfortable doing. 

So they refused to give them to me and kept them, sold them, gave away, stolen, I dont know being XXXX XXXX would not give them to me when I requested them. 

So I disputed the charge with Carecredit, with the above info, who in turn sided with provider stating services were rendered REGARDLESS to whether I received them and it was NOT their problem I did not & take it back up with the provider. Wow!! 

I was informed Carecredit did not ask, request documents, nor receipts, or my signature to show from merchant that I ever received the dentures and was told they would not request them based on their agreement with you. So I am XXXX outta luck was pretty much said by their dispute rep. 

This is so wrong on many levels. I feel if you pay for merchandise whether they fit or not they were mine! And I should have receive what was agreed upon, that I paid for upfront, of which I still have not received, or a credit should be given back to me of {$400.00}.
Product: Credit reporting or other personal consumer reports

Name, place of residence and place of employment is wrong. 
I would also like it to somehow reflect that I have been renting from XXXX XXXX XXXX since XXXX and that I have been working for XXXXXXXX XXXX  since XXXX of XXXX. And that my legal name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To : Trustee and CFO  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your Brethren : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY XXXX XXXX XXXX
Product: Debt collection

I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

T

his company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

My wife tried to pay Comenity Bank on time on XX/XX/2019. Customer Service and the supervisor made it clear that she is not allowed to pay them in my behalf. They refused an extension of due date, since I am in the hospital and am forcing me another item on my credit report, late fee, to include the feel of harassment of trying every way possible to get them their money. A check as well as the attached letter is being ailed ot Comenity Bank, tonight. My wife is a XXXX  and a XXXX veteran. 

This is the second complaint to you in less tan two months. Comenity has been bashing our credit and reports. 

Let me know f the letter I sent to Comenity attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting collections on the XXXX XXXX XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or XXXX XXXX XXXX  obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I am having an issue with a retail account though XXXX and I cant reach someone in customer service. Basically, I had special terms that expired on XX/XX/20 ( yesterday ). I am personally going through a lot right now from this virus so my mind has been in a blur as I have buried a family member yesterday. 

Last night, after falling asleep from exhaustion, I freaked out and realized it was XX/XX/XXXX. I called the Automated Phone system and submitted a payment for remainder of the balance without the interest ( what I should have owed before the terms expired ). However, on XXXX, WF already added in the {$980.00} in interest to my account. The automation system said since I paid before XXXX XXXX  PCT it will post on XXXX. Please just know I am very responsible with my bills its just been a bad month. I am not accepting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX