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

I had noticed on my XXXX  credit report that on two of my Capital One, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with XXXX  0n XX/XX/XXXX, and they processed the complaint to Capital One. 
Capital One response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, Capital One and XXXX  refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.
Product: Mortgage

Since my mortgages origination with  XXXX  I have never had an escrow account. The loan was transferred to  Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in  XXXX   2017 . Sure enough it happened again for the next quarter. I paid the taxes on  XXXX   XXXX  in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today (   XXXX / XXXX / 2017  ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days.  I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in  XXXX  and then being refunded in  XXXX  and then again dispersed  XXXX   XXXX .     I also have another complaint to make about them. I paid my mortgage on  XXXX   XXXX , which was a Saturday and they said that because the last business day of the month was the  XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the  XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance law with the Fair Credit Reporting act 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 XXXXXXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly denied me access to their personal credit monitoring services by refusing to allow me to create a myEquifax account. The attached is a sequence of events in which I was repeatedly transferred, asked to submit additional identity verification, and given incorrect phone and fax numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my XXXX XXXX digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at XXXX XXXX, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, XXXX XXXX then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Why is it that this above account is still being reported if it is a collection account? Status is at derogatory and you have not listed a date of last payment, which should then have a date of first delinquency. 

You are allowing multiple errors allowed on this trade line that are very damaging. 

Provide me with the written documents that show when I came delinquent of 30 days, that would be the day/month/year I become 30 days late and never again did get current on this account. 

I personally feel this account has been aged out for a very long time now.
Product: Credit reporting or other personal consumer reports

I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XX/XX/XXXX
Product: Mortgage

On Friday XX/XX/XXXX Hurricane Harvey made landfall at XXXX, Texas. Our home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX was severely damaged. On XX/XX/XXXX, XXXX issued a second check for the repairs. All funds from that insurance company are held in an escrow account at Shellpoint Mortgage Servicing to be disbursed by their XXXX XXXX department. That money, from our point of view, is reserved for our contractor, XXXX XXXX XXXX XXXX to pay subcontractors etc. for the work being done. On the contractor requested a disbursement from Shellpoint of {$50000.00} in part to pay drywall installers ( approximately {$20000.00} ) as well as for the demolition and rebuild of our family room, totally destroyed by the hurricane. Shellpoint refused saying only {$11000.00} would be disbursed ... at first. Two weeks later, no funds were forthcoming. XXXX called and was told by XXXX XXXX they are not the contractor of record ... a total fabrication as they sent all required documentation a month earlier. We've been out of our home for over a year. Shellpoint 's unprofessional behavior will keep us out until early XXXX unless they are forced to release those funds immediately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of the o rganizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization   XXXX   XXXX   XXXX   has been highly uncoorperative. They have been contacted over 6 times since   XXXX   /17  when the report was run. I can not speak to anyone higher in the corporation than a flo or manager, who te lls me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX /17   ,  two more times  with dates I did not document.On   XXXX /17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   XXXX /17    I spoke to   XXXX    who opened a case, took down my information and told me someone will call me . Noone called.  On  X/XX/  17  I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60 day late ch arge and reported to  XXXX ,  XXXX , Equifax lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.   XXXX   XXXX   will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Product: Debt collection

This company is contacting relatives and disclosing personal information to them about a debt from a school from a semester I never even attended. They have contacted at least 2 people that do not have permission to speak on my behalf and who the company had to use illegal tactics to get the information.

They called two people on XX/XX/2019. And they disclosed personal details to one and got rude. They contacted one of the same people on XX/XX/2019. The callers name was XXXX XXXX. He told them that I owed {$1100.00} for XXXX ( which I do not ). And threatened to keep calling the person until they got in contact with me. 
I will be contacting a lawyer this week and pursuing legal action for the credit rules they have violated. I will also be contacting XXXX for the false charges from a semester I never attended. 
I have screenshots of the calls and recordings to prove my case.
Product: Bank account or service

An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found that I have fraudulent activity on the account listed below. I do not recognize this account, my personal information was in a data breach, in addition I have filed identity theft. Attached are supporting documents. XXXX XXXX XXXX has flagged your account as Collections. Please remove this account immediately, and send me an updated report. Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is EQUIFAX 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that EQUIFAX only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

EQUIFAX is reporting 5 late payments on the XXXX XXXX XXXXXXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. These items shall also be REMOVED as any DELINQUENCY or DEROGATORY event on my consumer report. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, 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 less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, EQUIFAX is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided EQUIFAX with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$890.00}
Product: Mortgage

We were informed on XX/XX/XXXX XXXX XXXX ( XXXX # XXXX loan originator ) that our loan increased from 3.5 % to 7 % due to XXXX XXXX stating that we fell through the cracks, he dropped the ball because he was very busy at that time. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) is the preferred lender of XXXX XXXX XXXX. Their solution was to give credits to reduced mortgage to 4.5 % because 3.5 % isnt available anymore. XXXX XXXX was contacted repeatedly before interest rates began to rise for counseling and advise. He ignored every call and did not answer emails regarding interest rates and this is the result. 
On XX/XX/XXXX XXXX contacted me to do a long term rate cap with free float down. At that time our interest rate was 3.5 % and we were looking to go down to around 3 %. We were okay with that. On XX/XX/XXXX XXXX sent out loan papers and the rate was not fixed though his calculations were based on 3.5 %. I emailed XXXX asking questions about the discrepancy and asked for advice and counseling. He nor his office ever contacted us. Just as they never contacted us regarding any communication about fixing the interest rate before the interest rateincrease started in XX/XX/XXXX. He just left us high and dry. 
Now XXXX who is a preferred lender of XXXX XXXX XXXX expects us to pay {$2100.00} at closing for credits ( we originally had a {$3800.00} refund ) and over $ XXXX year on a 30-year mortgage fixed at 4.5 % due to their lenders negligence.
Product: Student loan

I have been given three different monthly payment amounts for when payments restart. Between the dates of XX/XX/XXXX and XX/XX/2023 I received communication for the following amounts, one for {$340.00}, one for {$190.00}, and one for {$400.00}. When I called to check the status of my IDR plan, they said they did not have that information and to call back the next week. When I called back they still didnt have any answers for me and I said to apply for the XXXX IDR for a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a collection on my credit report and it is not mine. It doesn't even let me know who to contact. I contacted the credit bureau who is reporting this to let them know that I don't recognize what this is. They are supposed to respond me in 30 days and they have not done so.
Product: Credit card or prepaid card

Had XXXX XXXX  do work to my teeth comenity capital gave me the loan i was behind on payments so i went to XXXX XXXX for loan they sent check to comenity capital for XXXX on XX/XX/2020 three days later they sent me a letter saying they sold my account. They cashed the check and said they have no idea where the money is. This is still on my credit
Product: Credit reporting

I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.
Product: Debt collection

Midland credit management Date opened : XX/XX/2021 Past due amount shown : XXXX $ I have called multiple times to request a validation later and have not received anything in the mail besides my options to pay. The last time i called the representative said she will try to send it out. I have also mailed letters requesting a validation letter and have received no type of validation. I have also disputed it with the 3 credit bureaus. I would like to have this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

it's my right to have accurate items reporting on your credit report and XXXX and Transunion have not done that in two months
Product: Credit reporting or other personal consumer reports

I paid this account off and then closed it. They report the account closed but show a balance of {$980.00}. I disputed this with Experian on XX/XX/XXXX, and on XX/XX/XXXX I receive an email that they investigated and found the account to be accurate.
Product: Payday loan, title loan, or personal loan

in 2017 i did a payday loan with ace cash express and due to becoming XXXX i have been unsuccessful paying the loan back but every day the company calls my phone harassing me with scar tactics sating they are the XXXX XXXX County and charges are being brought against me it has caused a great deal if stress upon me and im currently facing stressful things in my life today the way this company harasses me everyday is adding the pain of stress that im already dealing with it, i really wish they would not call my phone this way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX# XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or " excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.