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

My accounts 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 to be removed/updated.
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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

On XX/XX/20 we received a letter from our escrow company stating we had a shortage. Our payment would go up {$100.00} per month. We had just closed on a refinance. I called my mortgage company representative. He was not sure and questioned if we received notice of tax increases. On XX/XX/XXXX I had a hearing to lower property tax and it was. I looked into any increases and there where none. We call mortgage escrow and they stated to my wife that our taxes increased which we know not to be true. Our mortgage representative looked into also and stated to me escrow was expecting tax increases do the county tax cycle. With no cause or number they increase our escrow input to cover a shortage that does not exist yet.
Product: Debt collection

I discovered on my credit report Wells Fargo is reported a card opened XXXX XXXX, XXXX, this account closed/charged off on XXXX XXXX, XXXX, noting I made a payment XXXX XXXX,, XXXX, WHICH I DID NOT, and last reporting XXXX XXXX, XXXX. I have been on XXXX since XXXX. I do not even know what this is!! I called Wells Fargo, was transferred to collections, then recovery. NO ONE COULD FIND ME BY MY SOCIAL! I want this removed from my credit report. I do not even know what it is, let alone have made a payment in XXXX XXXX! Can you help me?
Product: Credit card or prepaid card

I made three purchases at XXXX and XXXX within the same week in XX/XX/XXXX. I used the XXXX and XXXX store card I have through TD bank. I was told my purchases in XXXX could be paid for over 6 months no interest. 

I already had one purchase on my card from over a year prior when I had an 18 month no interest purchase. 

I continued to make my payments as usual for XXXX and XXXX intending to satisfy the first deferred interest balance, then was going to adjust my payment amount to make sure I paid the remaining balance by the end of the new six month period for the new purchases. 

However, without my knowledge or consent, the company applied my payments for XXXX, XXXX and XXXX to EACH NEW DEFERRED PURCHASE instead of applying the payments I made in full to the promotional period ending first. 

I contactes customer service on XX/XX/XXXX to inquire as to why they did this. They then informed me, the the three new purchases each as their OWN MONTHLY MINIMUM PAYMENTS that were taken out of my payment before the amount was applied to the first promotional period balance. I informed them, that this was never communicated to me, and I never agreed to that. Had I known, I would have adjusted my payment amounts to reflect this.

The representative I spoke with, stated to me on that recorded line on XX/XX/XXXX that if I made a payment of {$160.00} that day, they would not charge me the deferred interest. I made that payment while still on the phone with them and thought it was settled. 

In XXXX, I get an email saying my balance is much higher than I expected. And I look, and of course, they charged me the deferred interest. 

I called and spoke with customer service, they said it was too late to do anything and I would have to dispute it. They gave me an email address and told me what to say. I sent them the information via email on XX/XX/XXXX. I heard nothing from them until I called last week to check the status because they still had not adjusted my balance. The person I spoke with on the phone said they had reviewed it and denied it and that it was a " final decision ''. They also stated via email to me today that they sent me a letter on XX/XX/XXXX ( I never got it ) explaining this. 

I called again today because this is unacceptable and all customer service does is tell me they don't have anyone else I can talk to. At every point in my attempt to communicate with this company beyond the front facing customer service I am told I'm not able to speak with anyone.

I resubmitted another dispute via email today, hoping that whoever reads it realizes they are in the wrong, however I have no confidence in this. I can not afford to pay the deferred interest and need them to correct this immediately.

Deceptive marketing practices, improper communication and access to appeals are a big issue here.
Product: Mortgage

I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on  Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX. 
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a forbearance program due to COVID, and at the conclusion on my forbearance period ( XX/XX/2021 ) I paid the full amount to bring my loan current. I looked at my credit and it shows the payment for XXXX of 2021 but still shows the previous months covered by the forbearance program as unpaid. 
I called PNC Bank and no one could give me any information about how long this would take to have updated. I asked to speak to a supervisor and was advised that I would have to take up the issue with XXXX.
Product: Credit card or prepaid card

Im asking if you guys can reopen my XXXX  or send me my new one my XXXX   money is in their its been more than 3 months thats been closed but still certify my benefits or can I transfer my money to my personal account
Product: Consumer Loan

You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice
Product: Credit card or prepaid card

Let me be very specific. Capital One is a company that charges their credit card customers a late fee of $ XXXX, even if payment is made ON THE DUE DATE. They are playing games with EST vs. PST and that there is a time cut off for payments made on the due date. 

This is an egregious, outrageous and in my opinion, disgusting tactic to try and turn late payment fees in to a profit center. When I called in to complain in XXXX to get my fee reversed ( I had forgotten that auto pay had been turned off ) I was met with a rude customer service manager who could have cared less. 

As for my XXXX payment, I tried to pay both online ( their site would not accept new payment options at that time, on the XX/XX/XXXX when I tried to pay ) and my perfectly valid payment method ( a XXXX debit card ) was rejected when I tried to pay via their automated phone tool. 

Their customer service was also not available ( no human available ) despite the fact that it clearly says 24 hour customer service on the back of the card. Are they referring to the automated system that does not work?
Product: Mortgage

I am currently one month behind and have been sending in extra on each payment to get myself caught up. Their loss mitigation department would only offer a 40 year loan modification raising my interest rate from 2.5 % to almost 8 %. I don't see where one month behind in payments constitutes the mortgage company making hundreds of thousands on a XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to you to let you that my credit report still contains account that I do not validate at all. This is already a multiple dispute and still it doesn't correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( 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 was a graduate student at the XXXX  XXXX XXXX XXXX. In XXXX the endowment of XXXX took a massive hit and they needed to cut costs. The decided a few years later to post pay graduate students rather than prepay them. For this they designed a " gap '' loan that would cover the month that they weren't paying students. I filled out the paperwork and took the loan in XXXX. I graduated that year and I was not paid by the institute for the remaining time which was supposed to cover this loan. I don't owe them anything and so I didn't pay it. In any case it was put on my credit report. Experian isn't supposed to keep bad items on your credit report after 7 years it has been 12. I have had this negative information on my credit report since them and I never owed any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

Transunion and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I submitted a claim to this company about the debts accrued not belonging to me. They continued to send me bills and did not investigate the case. I receive so many calls everyday from this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Despite previous disputes, Experian has failed to address these issues, including the presence of inaccurate personal information and unauthorized accounts. I demand resolution and removal of these inaccuracies within 4 days.

1. Personal Information in Dispute : The following names listed on my credit report are inaccurate and do not belong to me.These names are not associated with me and must be removed immediately. Continuing to report incorrect names is a violation of the Fair Credit Reporting Act ( FCRA ), as it fails to ensure accurate consumer information.

1. Account Details in Dispute : Absolute Resolutions Investments : This account, currently marked as a collection account, is ineligible for reporting. Absolute Resolutions Investments has been banned by the Federal Trade Commission ( FTC ) from participating in any debt collection business under a federal court order. Despite my dispute, Experian has failed to remove this account or provide valid verification of this debt. Continuing to report this banned entitys collection is unlawful and violates FCRA provisions. 
XXXX XXXX XXXX XXXX Despite my dispute, Experian marked this account as verified, but failed to provide documentation of the investigation or any substantive findings. 
XXXX XXXX. Similarly, this account remains inaccurately reported, and no valid proof has been shared to support its accuracy. 
XXXX XXXX XXXX XXXX : This account does not belong to me. I dispute its inclusion in my credit report and request immediate removal as it is inaccurate and unverifiable. 

2. Violations of FCRA and Experians Obligations : Under the FCRA, Experian is required to : Conduct a thorough and meaningful investigation of disputes ( 15 U.S. Code 1681i ).

Remove or correct inaccurate, incomplete, or unverifiable information promptly. 
Notify consumers of dispute resolutions with sufficient clarity. 

Experians continued reporting of these disputed accounts without proper verification, and its failure to correct or remove inaccurate entries, directly violates the FCRA. Additionally, continuing to report a banned debt collector like XXXX XXXX XXXX shows disregard for FTC enforcement and FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Equifax has failed to provide proper documentation and proof of why a XXXX XXXX  bankruptcy remains on my credit. This account is not valid, not mine and I have tried several times with Equifax. XXXX and XXXX have both removed this inaccurate account but yet Equifax keeps it. I have documentation from the XXXX Courthouse stating they do not report to the credit bureaus and also ; XXXX XXXX has removed the account as well. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The law also states ALL credit bureaus has to report accurate and the same information. 

If this is the case, then why is Equifax not removing this account # XXXX
Product: Vehicle loan or lease

The first problems I noticed were my billing discrepancies ; the sum of all charges did not provide a full insurance rate, my remaining balance being different on multiple mediums ; Timing of payments ; I have hot received mail on my next bill, and only receive calls from automated debt collectors, daily and frequently. The process was not explained well and I believe that was a deliberate attack of deception. Just for the company to add me to their collection of debtors. It wasnt even explained that I could leave the contract, if I hadnt learned anything in recent days I would be stuck. Ive already been put in a bad situation with doing business with the company, with how they withheld information. But for them to deceive me into believing I owe them a debt makes me XXXX  to think of how hard its been.
Product: Debt collection

Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX  XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active. 
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX. 
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}. 
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX  XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help! 
Sincerely yours XXXX XXXX
Product: Debt collection

a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.