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

Account : XXXX XXXX XXXX Account # XXXX This account was charged off on the following date XXXXXXXX XXXX  Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MN, XXXX XXXX XX/XX/year> Good morning to whom this may concern. I was taking a look at my most recent credit report and noticed that an account UPGRADE ACCOUNT XXXX is still reporting inaccurately. I have asked many times for this account to be PROPERLY Investigated but yet you have FAILED your legal obligations. 
You have REPORTED A HIGH CREDIT : XXXX this is INACCURATE how can it be XXXX? When my statement shows XXXX? 
I was NEVER LATE ON THIS ACCOUNT : PROVIDE DOCUMENTATION TO ADDRESS LISTED ABOVE OR UPDATE TO PAID AS AGREED NEVER LATE OR REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. 

High Credit : {$7700.00} I never received a loan of XXXX from UPGRADE ACCOUNT XXXX therefore you are manipulating my credit report and creditworthiness with inaccurate and erroneous information. I am in the process of BUYING A HOUSE for my family and your violation of my consumer rights is keeping me from XXXX HOUSE. 


You have REPORTED a HIGH CREDIT : XXXX this is INACCURATE I was NEVER LATE ON THIS ACCOUNT : UPDATE TO PAID AS AGREED NEVER LATE OR REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. 

I have attached a copy of my credit report and Identifying information below. 

I HOPE THIS GETS RESOLVED IN A TIMELY MANNER THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account 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 602 A. Section 2 : It states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late ( XX/XX/XXXX ) since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. 
GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$10000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, credit repair services, or other personal consumer reports

XXXX and Equifax has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Product: Credit card or prepaid card

After requesting a balance transfer in the amount of {$12000.00} on XX/XX/2019 I was told that the transfer would be complete within two weeks. I logged on to the two accounts involved and both showed a balance for the amount of the balance transfer ( {$12000.00} of my XXXX XXXX XXXX account and {$12000.00} on my Union Bank account ). On XX/XX/2019, I made a phone call to XXXX XXXX XXXX which is the creditor that was supposed to be credited for the {$12000.00} balance and was told that there are no pending payments on my account. Then I called Union Bank which is the creditor that I requested the balance transfer from and was told that my request was stopped on XX/XX/2019. The representative tried to get a hold of an individual named XXXX XXXX to resolve the situation but was unable to reach her. She provided the direct phone number to XXXX for me to try and call her myself. I asked if anyone else was available to help me and her answer was " XXXX is the only individual that can resolve this matter. '' On this day, I made numerous attempts to reach XXXX and left voicemails for her to call me. I tried to contact customer services again to ask for anyone else that can assist me. All of the representatives, including the shift supervisor were not able to find any other contact. They all attempted to reach XXXX and yet no one was able to connect with her. Union Bank  has caused me extreme stress, and kept me away from my job dealing with this matter. They have neglected to reach out to me promptly to resolve what seems to be a simple issue with their system flagging my transaction. There has been no mail, phone calls, emails, text messages or notifications of any kind. The only way I became aware of this situation is by calling them myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter that showed my response to their so called " investigation '' into disputed inaccurate items on my credit report. Today is XX/XX/XXXX, over 40 days later, and I have not received a response. Im not sure if my letters were thrown away, or if they simply ignored my disputes, but I have not received any reply to my challenge of their method of verification that clearly shows various inaccuracies on my report. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days, so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health due to the loss of jobs, housing, and funding opportunities. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX XXXX formerly known as XXXX XXXX ) and I presently have a mortgage for my home through the mortgage providers known as XXXX  '' formally known as XXXX ''. To make regular payments on my mortgage, I Set up an online direct deposit on XX/XX/XXXX. This payment system ensures that not the 6th of each month, {$800.00} is to be distributed to XXXX. 

On XX/XX/XXXX, my mortgage was sold from XXXX to Specialized Loan Servicing ( SLS ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from SLS regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). Originally, it had appeared that the months of XXXX, XXXX, XXXX have not been transferred from XXXX  to SLS. All together, it totals an amount of {$2400.00}. I showed a copy of my bank history query which indicates each direct mortgage payment sent successfully to XXXX and was never retuned. 

After that, XXXX sent proof that they had successfully transferred the funds to Specialized Loan Servicing ( SLS ) I will include that letter to this message. 

Ive called SLS numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from SLS that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For affirm which is the company that Im talking about. I had finished paying them in full and close the countdown XX/XX/year>. However, I was up-to-date a month ago and theyre still saying that I owed them money theyre not updating anything. they are just a horrible company so if you guys can please Assist me and knocking them down..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Mortgage

I have an escrow account that I put money aside for tax and insurance payments for XXXX XXXX  with this lender. The lender should have been paid the property tax in XX/XX/XXXX but it appear they did not. When I realized they did not pay my tax to XXXX XXXX XXXX XXXX I contacted the lender. After several meaningless communications with the customer service department, they realized that they had a wrong parcel number on the file. It ended with they have paid to the wrong parcel number with wrong amount. 

I have been asking them to correct the issue immediately since XXXX but their response is " your request has been made '' and 'investigation will take some time ''. What they have told me was that they need to investigate if the county office has changed the parcel number or someone in the lender side entered a wrong parcel number on my file. They said that once they resolved the issue they would pay the tax and penalty fee. 
I have been asking the status of the investigation but they never have given me any details about it. 
When I had a luck to talk to a person on the phone, he said the target date to complete investigation was XX/XX/XXXX. But the problem did not get resolved so I contacted again. This time different person answered me by email saying " there is no target date to complete ''. I felt they are not serious about my issue and did not feel they were willing to resolve this. 

On XX/XX/XXXX, I received another tax document from the county treasurer office saying that I have not payed the property tax and now the penalty has added to the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple request to delete unverified hard credit inquiries on my XXXX and trans union credit files these credit reporting agencies do not comply and XXXX  has sent me letters stating that they can not find my credit file. XXXX   request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX XXXX )
Product: Vehicle loan or lease

XXXX    XXXX   XXXX  purchased brand new with financing total came to {$29000.00}. I paid over  25  payments at {$670.00} and I had  3  deferred payments totaling  6  payments transferred to end of loan. Last year my car was hit and considered total loss, I had GAP insurance that paid {$5500.00} and my insurance made 2 payments of {$2300.00} + {$8200.00}. The finance company is saying I have a balance of {$9400.00} and it 's actually showing more than that because they are adding interest to it due to me not being able to financially make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have tried to resolve this problem with Chex systems for a while now, and this company still refuses to remove this information from there reporting systems. I have consistently sent certified letters asking this company to send me information that validates that this is a debt that I owe. They have sent me bank account information, a bank printout, and no real validation that I owe this company any money and that thus is my debt. I have repeatedly asked these people to remove this information from my record, and that these charges were not made by me and this is not a debt that I owe. The company on numerous occasions failed to provide this information and continue to state that hey are waiting on XXXX  XXXX XXXX to send more validation, and etc. This again is not acceptable. I have been fighting to regain my identity that of which was stolen from me, and this company could care less, and there intent is to continue to provide false information in the chex system report under my name. The company that they are reporting as account abuse is with XXXX  XXXX XXXX in the amount of {$4600.00} they are reporting this information under my name and SSN and thus is inaccurate. I am a victim of identity theft and the report is attached. I want this company to delete this inaccurate information from my chex systems report immediately. My account number with the FTC- Federal Trade Commission is # XXXX and my Police Report Case number is XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I purchased some car floor covers on XXXX using my CitiCard, I was billed {$310.00}. I returned these items, and XXXX confirmed receipt of the return and claimed they were giving me a full refund. This refund never occurred. I disputed the charge and CitiCard has not resolved the matter although they were given evidence of the items being returned via UPS tracking number and the email confirmation from XXXX. It has been over six months no resolution and they ignored by evidence. I sent it back with UPS trackingXXXX. Oddly, this was confirmed by XXXX but they then only refunded {$21.00} of the order, not the full {$310.00}. This partial refund confused CitiCard and they claimed I was full refunded. I attach the original invoice, and the proof of only partial credt.
Product: Debt collection

This account was settled and paid with XXXX XXXX on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
Product: Checking or savings account

I was deposting into my checkings account and was waiting for my check to be available and they told me that i have wait, som im waiting next you know my account was on hold and they said someone from the branch locked my account and it hasnt be unblocked since
Product: Debt collection

CFPB FTC Letter Submitted on XX/XX/2020 Pursuant to my rights under federal debt collection laws, I requested that Merchants Credit Association cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts they claim that I owe. 

I also notified them that if they do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Washington Attorney Generals office. Also, I told them civil and criminal claims will be pursued. 

After sending this letter, postmarked XX/XX/2020. Merchants Credit Association continued to harass me by contacting me via my cellular phone and leaving a voicemail on XX/XX/2020 at XXXX PST. Please find the evidence attached to this complaint. 

Please help me stop Merchants Credit Association, who clearly defies federal and state laws and continues to abuse its states residents. 

According to a simple XXXX search of the company, it has a poor rating with the XXXX, has been sued numerous times, and received multiple federal complaints. 

Please, CFPB and FTC, how can a business like this be allowed to continue to operate in our great nation? 

At your disposal, XXXX XXXX XXXX
Product: Debt collection

I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.
Product: Vehicle loan or lease

ally was paid XXXX and cashed check incorrectly for the amount of XXXX and i called and was to ; XXXX  they made a mistake so i asked for the correct payoff amount and was told XXXX and to avoid additional interest i sent them a check and after i did they submitted the original check and was paid XXXX and when i noticed it i call and told them not to cash check but they did This all started on XXXX 2022 and that is when the first check was cashed wrong they they redid check and was paid on XX/XX/XXXX and cashed second check on XX/XX/2022 i have been trying to get this corected sinc XX/XX/XXXX so now they say it will take 55 to 60 days from XX/XX/XXXX for me to get my money back so i want my money returned
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in granted a goodwill faith to show on time regarding my circumstances. The consumer reporting agencies have need to report all information complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Im now requesting you investigate and provide verifiable proof with recording showing that I had late payments or the company wasn't notified that they had a received payments. Also show proof that didn't agree or update my report current then change to not current. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.