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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any Items which are 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. If you feel there is a possibility these Items belong to me will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the Items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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
Product: Mortgage

I applied to New Day USA to refinance my VA mortgage. It seemed all was going well until I received a call from Mr. XXXX XXXX XXXX saying he had to cancel our loan application because he had found out it was a manufactured home. 
I told him OK but every time I see XXXX XXXX advertising what they do for veterans I get mad again. 
My home tax value is XXXX and my loan balance as of XX/XX/2020 was {$96000.00}. I was not requesting any cash, only trying to reduce my monthly payment. My credit score as of today at XXXX is XXXX vs the US average of XXXX for my age group. 
I charge NewDay USA with discrimination because of the type home I choose to live in. I have never missed a mortgage in my XXXX  years on this earth and I dont like being told I am not as good as other XXXX XXXX veterans and am not entitled to the same benefits. 
At the very least they should be forced to treat all veterans the same.
Product: Student loan

The university I am with, XXXX XXXX, was previously named XXXX XXXX. My issue is with the student loan provider Mohela. I have had several student loans through Mohela during my schooling. I have paid off all loans with this company, and have documentation to prove it, but due to an accounting system error, they are not able to correct my final loan to show a XXXX balance. My Mohela account continues to show an unpaid balance and accrue interest. This information is being incorrectly reported to the credit bureaus. I have contacted Mohela regularly since first finding out about this issue, but they can not provide any resolution. I have gone through the XXXX  with no resolution. I have now reported them to the XXXX credit bureaus. I need this loan settled in their system and with the credit bureaus before I graduate so as not to incur any false penalties.
Product: Debt collection

That is showing on my XXXX XXXX credit report I would like it removed as per theres no knowledge of this debt collector
Product: Debt collection

XXXX XXXX recently placed two ( 2 ) collection accounts on my credit reports claiming account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX '' ) and account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX ). 

I have sent four ( 4 ) certified letters asking XXXX XXXX to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

The information they are sending to me does not show any proof that these debts are mine. What they send has my name on it with purchases I have not made, and there is nothing with my signature or social security number on it. I also sent certified letters disputing these debts to the Credit Bureaus but they also state they are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my report.
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION 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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX
Product: Payday loan, title loan, or personal loan

usaa charged my personal loan and credit card debt off during the pandemic. around XXXX or XXXX of 2020 i fell behind all of my payments with them and due to my XXXX XXXX XXXX XXXX  from XXXX from being overseas in the XXXX i totally forgot to pay them. and plus i was unable to pay during the pandemic. come to find out, without my knowledge, everything was charged off and now it is hurting my credit. i am working out a payment plan with the debt collectors about this but i want USAA to remove my accounts from charge off or collections so that i can resume my regular payments again and get back on track. i am willing to work with them
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX  and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$1500.00} sent letter asking for proof and to verify my signature. 
XXXX XXXX XX/XX/XXXX {$2000.00} " " XXXX XXXX XX/XX/XXXX {$12000.00} sent letter asking for proof and to verify my signature XXXX XXXX XX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature XXXX XXXX XX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature
Product: Debt collection

I received a phone call this morning regarding a debt collection. After explaining to the caller that the debt was not mine, he referred me to the original company, XXXX. When I called XXXX, they informed me that the debt had been sold to Reel Time Collection. 

After reaching out to Reel Time Collection, the representative I spoke with said she couldnt provide me with a Debt validation letter. She mentioned that she would email her supervisor and then gave me another number to call. After calling that number, I found out that Reel Time Collection is indeed the company handling my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.
Product: Mortgage

We mortgaged our home with XXXX on XXXX/XXXX/XXXX. XXXX assigned the loan to XXXX Bank. XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX. XXXX escrowed {$26000.00} from XXXX XXXX to replace our XXXX. XXXX released {$8900.00} on XXXX/XXXX/XXXX. The XXXX replacement was completed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX transferred the loan servicing, including the insurance escrow funds, to Green Tree Servicing on XXXX/XXXX/XXXX. Green Tree did not advise us that they had the XXXX escrow funds and has refused to release the escrow funds to pay XXXX Roofing.
Product: Debt collection

Afni collections company promise me to send me a letter of my payment but they didnt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from XXXX  and XXXX  and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.
Product: Credit card or prepaid card

I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.
Product: Debt collection

I received 5 phone calls from an " unknown number '' first one I answered and hung up. They called right back and the lady said there was a complaint filed involving my car. I said I wasn't interested and hung up. She then called back again and i answered and I said I told her not to call back and she said she hoped it went to my voice mail. She started in saying I had to contact the lawfirm of XXXX XXXX XXXX and find out because she didn't have the information. She gave me a phone number XXXX and it rang and redirected. I left a message and called my insurance company who said they had no information on anything. I called the company back who stated that I owed Paypal {$1000.00} dollars and that I had to pay it or they would put a lien on my car. My car is financed so I called them and they said they couldn't. I got a phone call today from someone from XXXX XXXX XXXX  today who said they had papers to serve me today. They had a phone number to call at XXXX. I contacted my county clerk who said no judgement was out on me.  They continue to call and threaten me and their tone is harsh.
Product: Credit reporting or other personal consumer 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 None of the inquiries listed were authorized by me. I requested their removal in early XX/XX/XXXX but have not received any updates regarding their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is several items that are not my debts on the report and as I attempt to dispute them, all I get is error page as shown in attached.
Product: Credit card

I received a text message in late XXXX stating that I had purchased an item from Wayfair. I tried to dispute this charge as fraud. A claim was opened, and the fraud department interviewed me a month later. They claimed it was a valid purchase. They can not give information as to where this item was delivered or what was purchased.
Product: Debt collection

COMPANY XXXXORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX   DISPUTED THIS DEPT WITH EACH CREDIT AGENCY THIS DEBT WAS REMOVED FROM BOTH XXXX  AND XXXX  ANDREMAINS ON EQUIFAX, I REQUESTED FOR VERIFICATION AND VALIDATION OF THIS ACCOUNT AND THIS WAS NEVER RECEIVED AND i WAS NOT NOTIFIED THAT THIS ACCOUNT WAS PLACED BACK ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have been a member of Barclay 's XXXX credit card for at least ten or twelve years. I am fairly sure that some money was siphoned off about 10 years ago. Rather than fight with them over it, as I believe they went through an acquisition, I kept using the card to build up the 529 college savings  account. I wanted to at least give my granddaughter SOMETHING for books, at the very least! ( No thanks to this XXXX  scam of a credit card company ) I have gone online, called numerous times and done everything I can to get my XXXX   reward money earned put into my checking account, and get an email informing me of that transfer! Please look into this company. I think you will see that they are uncooperative at best and thieving reprobates, at worst.

Also, can you make them CALL ME, and get this straightened out? It seems they 'ca n't understand me ' when I call!
Product: Credit reporting or other personal consumer reports

I have had the same loan with Suntrust/Truist bank for 20 years. I have always submitted the payment via bank bill pay, on time and with additional principal payment. The payment was submitted to the same address for 20 years. XX/XX/2024 the bank received payment of {$1500.00} for XXXX mortgage payment. This included the regular monthly payment of {$1100.00} plus additional principal of {$390.00}. The bank instead of correctly applying these amounts, instead applied the full payment to the Escrow account. I did not receive any notice or call from the bank and by chance discovered the mortgage was past due. I immediately contacted the bank to find out what was going on. They discovered the error and correctly applied the payments. I was not given any explanation as to why this occurred. 

On XX/XX/2024 the bank received {$1500.00} payment and applied this payment to escrow account. Again, I was not notified of the late payment due status due to the misapplication of the funds. I contacted the bank in XXXX to again let them know of the incorrect application of funds to the escrow account. This was corrected but I was still not informed as to how/why this was occurring. 

Subsequently, I was traveling for a month or so. I received notification from credit monitoring agency that there was a change in my credit score. I immediately checked my report to discover that Truist had reported my loan as 2 months past due and my credit score went from mid XXXX 's to mid XXXX 's. I immediately pulled up the account and discovered the both {$1500.00} payments received by the bank on XX/XX/XXXX and XX/XX/XXXX were misapplied to the escrow accounts. I did not receive ANY notice written or phone call from Truist before the negative information was reported to the credit bureaus, a violation of the Fair credit Reporting act. I requested an explanation as to why I wasn't notified, why this error by the bank was repeatedly occurring and why they have not fixed the problem. I have been in the process of looking to purchase a new home and this has severely impacted my ability to purchase a new home due to the negative credit score information reported by Truist. 

I have requested a letter of explanation but have not received any written correspondence and they have not corrected the false negative information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, I asked my bank ( XXXX  XXXX  ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : Experian, XXXX, and XXXX. Both Experian and XXXX  referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX information was mostly correct. I contacted XXXX  to dispute the incorrect information. After two calls, a XXXX representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting Experian either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like Experian and XXXX   permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like Experian and XXXX. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like Experian and XXXX  places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?