23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, 60 days past due as of XX/XX/XXXX, 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on all XXXX and Equifax my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Product: Credit reporting or other personal consumer reports

Mariner Finance fraudulently reported a high balance on XX/XX/24 after receiving a large payment on XX/XX/24. They reported to XXXX and XXXX that I has a balance of {$4200.00} as of XX/XX/24, but did not reflect they had a check clear from me for {$3800.00} on XX/XX/24. They also fraudulently reported this to the XXXX XXXX County District Court to manipulate the judge make it seem as though I am uncooperative and irresponsible. I have complained about this type of fraudulent reporting in the past to the credit reporting agencies and the courts for years now to no avail. See attached documents - bank statement showing check cleared, copy of cancelled check, courts online record of case XX/XX/24.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Report Act Affirm has violated my rights. Allowing a late payment reporting on XX/XX/22 on two accounts. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 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: Debt collection

Elan Financial is reporting and making attempts to collect on a debt not owed as this was discharged in bankruptcy
Product: Credit reporting or other personal consumer reports

I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXXXXXX XXXX XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help
Product: Debt collection

Medical data systems incorporated has put a collection on my credit report for a debt that I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 we financed a XXXX  XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XX/XX/2019 the XXXX dies out on I-70 practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XX/XX/2019 they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next  day XX/XX/2019 we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XX/XX/2019 the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XX/XX/2019 we go in to voluntarily surrender the XXXX due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then XXXX XXXX later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.
Product: Checking or savings account

On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS postal box XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named XXXX XXXX XXXX XXXX  rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted XXXX XXXX, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with Bank of America, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
XXXX has not given any indication of timing, and Bank of America ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Product: Vehicle loan or lease

In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX. 
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC. 
I went on to inquire about my settlement put in place by XXXX   XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.
Product: Credit card

I was late on a payment, under 30 days, tried to make the payment and my bank rejected the payment due to insufficient funds instead of charging the overdraft fee. I had no other way to pay, I talked to TD Bank and told them I would be able to pay the account in full on the XXXX of XXXX. They then called me 12 times within 7 calendar days, including 3 times the day before XXXX. The past due balance was {$29.00}. At this time I had noticed my credit limit which was originally {$2200.00} was {$380.00} as of XXXX, I was told by one of their customer service reps that I was considered " high risk '' although management denies this, and therefore my credit line was decreased. I told TD Bank that I would pay the amount in full on XX/XX/XXXX and would be closing my account and never doing business with them again. I received a credit score notification, due to the credit line decrease and they reported my late payment as delinquent, my credit score which was XXXX crashed down to the XXXX. I called the company after I had paid in full to try and resolve the credit issue and they told me there was nothing that they could do. They told me I would have to dispute it with the credit agencies, which I have now done. I asked if they would fight me on the matter as I was a good customer who always paid on time and always paid more than the minimum but have recently run into some financial difficulty, the manager told me that they could not say and that it was best for me to just try. I'm a XXXX veteran on a fixed income and have not been receiving my normal pay from schooling due to XXXX. I always pay my bills on time and 1 discrepancy should not destroy my credit. I feel like I have been wronged, between the harassing phone calls the day before a holiday to the retaliatory strike against my credit, this seems unfair and unusual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX student loan ( later transferred to Mohela ) in XXXX after deploying to XXXX and saving funds towards this significant bill. However, in XXXX, the company reported 9 months of late payments on my credit report. For years, I've asked for Mohela to remove this negative mark. However, they only mark the account as paid have yet to remove the late payment marks which are inaccurate since the loan was paid off XXXX prior per Mohela 's congratulatory Pay Off letter.
Product: Student loan

I cosigned a loan for a student at XXXX University in XXXX, MA, issued by Sallie Mae. The borrower cut all communication from me right after the loan was transferred to the school, and refused to have my name taken off as the cosigner. Now the borrower is delaying payments, and is forcing me to pay off the payments assigned to the loan or have my credit score diminish. Right after this happened, I contacted Sallie Mae and asked for an application to have my case heard and considered for a cosigner release. They told me that only the borrower can have the account considered for cosigner release, which is something I was not told about or agreed to when cosigning the loan. I was told that I have equal responsibility over the loan, yet when it comes to any action towards the loan - whether it 's actually have my cosign released or having my cosigner release form even considered - is something only the borrower can forgo. This has put my financial situation at high risk, and at the whim of the borrower - and something that Sallie Mae would n't even consider for cosigner release since only the borrower can do that. I was then advised by the escalation team that since I do have equal responsibility of the loan, I can request XXXX University to return the loan in full and then my cosign would be terminated. The escalation team told me that this is a practice they have done before and are willing to do for me since this is a relevantly new loan. When I contacted XXXX, I was told they would do this for me and that I should send an official demand letter stating my case and they would talk to Sallie Mae to make sure this was acceptable, and if it was, then they would exercise my right to have the loan returned. After a long delay, they responded to me after two weeks - at this point I have already been asked to pay off interest payments on the loan - and told me that they do not have any obligations to the cosigner and that they would not return the loan. Now my credit score or my financial account is in jeopardy and at the whim of the borrower, even though I was only following the advice Sallie Mae had given me, and only had given to me when I made it clear that unequal treatment over actions taken on the loan is not something I agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher XXXX as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( XXXX  ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( XXXX  ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


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

XX/XX/year> Current results XXXX Removed XXXX Remain Dispute sent XX/XX/year> In review XX/XX/year> Current results : XXXX remain Updated on : XX/XX/year> Remaining items XXXX be removed on your next credit report. It can take up to XXXX days to get items removed from your report. 
XXXX items in dispute COLLECTIONS 1 CHARGE-OFFS XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX Place XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX XXXX XXXX XXXXXXXX I have enrolled in debt relief program to handle this debt, but I had a medical emergency, lost my job and now have a lot of medical debt. I have a full time job now and will be able to make payments again soon. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX | Kikoff My original dispute wasn't correct because I didn't know how to properly dispute the items.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to ensure the maximum possible accuracy of information concerning the individual to whom the report relates. These accounts { Upstart Network Inc }.

{ Upstart Network Inc } The balance is not reporting correctly, the open date is not correct, and the closed date is not correct. This account is not accurate.
Product: Debt collection

Saw this on my account and I never done anything with Diversified Consultant and do no owe {$600.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXXXXXX Balance Owed : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Product: Mortgage

Our mortgage application was brokered out to Carrington Mortgage located in XXXX, CA. File was submitted clean, underwriting provide underwritten approval in XXXX. All conditions were submitted numerous of times to underwriting to be signed off. Lender never provided clear to close. Final closing disclosure was signed by us on XX/XX/XXXX. No loan docs at title within the 3 days. Lender requested more conditions that was not necessary. Lender didn't close our file on time after 3 extensions. Close of Escrow was schedule for XX/XX/XXXX. Lender had our file for 3 months. We even went with a different lender because of this. The new lender has provided a new loan approval ina week. We lost our XXXX earnest money because of them. Seller walked away from sale because she didnt want to reinitiate our contract. 

Our realtor and our loan officer have emails documenting everything from the Account Executive from Carrington Morthage. They failed us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to XXXX since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX XXXX, To whom this may concern, I am writing this letter to XXXX XXXX XXXX and all three credit bureaus XXXX, XXXX and XXXX. 
To inform XXXX XXXX associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who XXXX XXXX associates is. I have never received nor sort of mail or any sort of communication from XXXX XXXX associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included best buy my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. 
Overly paid off. 
I was reaching out to best buy a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. 
Each time I will make a payment to my best buy account the following month I will owe more money. 
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with XXXX XXXX XXXX up until today. 
I have disputed XXXX XXXX XXXX And I will sue XXXX XXXX XXXX/best buy citi for fraudulent activity. 
I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. 

I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my best buy account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. 
I do not see how any of this is possible? Without validation. Authorization orauthentication?
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!