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

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 bXXXX I have been current so I don't want that to continue to affect my scores. 

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

My account with 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Complaint Against Equifax for Violating 15 U.S. Code 1681 ( FCRA ) Dear CFPB and FTC, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. I have gathered evidence that Equifax has misreported my rental payment history, which has had a detrimental impact on my ability to obtain credit and loans.

I have obtained three different credit reports from various sources : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Upon reviewing these reports, it is evident that Equifax has destroyed my rental payment history on XXXX, inaccurately reflecting that I have not made any rental payments for the year 2024. This misrepresentation is not only misleading but has also resulted in the denial of credit applications and loans that I have sought. 

In contrast, the credit report from XXXX XXXX accurately reflects my rental payment history. The discrepancies between these reports indicate that Equifax has failed to adhere to the standards required by the FCRA and has caused significant harm to my financial standing. 

I request your agencies to investigate this matter thoroughly and take appropriate action against Equifax for their violations. I am prepared to provide any additional information or documentation you may require to assist in your investigation. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card or prepaid card

I received a SoFi credit card and SoFi debit card in the mail that I did not open. As soon as I received it I contacted SoFi on XX/XX/XXXX to explain I did not open that credit card and debit card and it looks like I have been a victim of identify theft. I was told they would note the account and have the accounts closed. On XX/XX/XXXX I received an email from SoFi that there was a balance of {$1600.00} on the credit card and it is due on XX/XX/XXXX. I contacted SoFi again on XX/XX/XXXX and was told that I would need to contact SoFi 's Credit Card Fraud Department and that is done by email or leaving a message at XXXX and to send multiple emails until they respond. I have emailed SoFi 's credit card department three times ( XX/XX/XXXX, XXXX, XXXX ) and have not received a response back. I called and left a message on XX/XX/XXXX and have not received a call back. It seems like no one at SoFi can assist me in getting the account closed out and the balance removed since I did not open the card.
Product: Credit card or prepaid card

I paid first progress on XX/XX/23. They sent me a confirmation code saying they received my payment. I noticed my score went down almost XXXX points. I called them and they 1st said my bank declined it. There are no declines on my account and on that day I had more than enough money to cover it. Then they told me that they weren't authorized to take it. I asked how did I receive a message saying that my payment was received and a confirmation number if it wasn't paid. They told me that they couldn't see that and I would have to send a letter to a XXXX XXXX XXXX Then I was told they have the confirmation but they can't wave the extra late fee and that I can only send a letter to the company and they might do it. I have screenshots showing that I made the payment to them and that they are showing that I'm current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, placed frau alert. Have contacted XXXX XXXX XXXX in the past when this happened and no there was no reason for a report to have been issued. I do not have an account with XXXX XXXX XXXX, have not applied for a credit card or loan or for any other service with this company. 
This is the second time this has happened. Shortly after the last time, I received a letter from a sham XXXX address. I reported this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma told me I could refinance my car with my credit score through XXXX XXXX through the credit karma 's app even the XXXX XXXX sponsors told me everything looks good I've really good percentage of chance of being approved they then told me to unlock my credit file and proceeded to get copies of my credit report to refinance my car but also send it to a mortgage lender which I did not approve and then in the end I was told I wasn't approved because the lender said my car 's value wasn't close to what I owed on the car and that was never mentioned before as a factor in me getting approved or denied they just based it off my credit which I should have been approved for but if I wasn't told that I'd never would have tried to refinance my car and put negative points on my credit score
Product: Credit card or prepaid card

I have two long-standing credit cards that were taken over by XXXX XXXX  a couple of years ago ( JC Penney and WalMart ). I moved recently and as I worked my way through all my credit cards, I found that the only contact number for these two cards was my old home phone number, which has been cut off because I moved. As stated, I have had these two cards for years. XXXX XXXX insists on sending a text message to my phone before it will allow me to change my profile, but they won't accept my cell phone or my new home phone, neither of which I had years ago when these accounts were opened. I talked to customer service about the Walmart card and they told me to make copies of my driver 's license and a utility bill for the new house and send it by mail, which I did ( copies attached ). I have also given pertinent security information over the phone ( last 4 of SSN and mother 's maiden name ). I called to follow-up about a week later and they apparently had no idea what i was talking about. Then about the same time, I got the attached letter from them asking for this same information! This is ridiculous! They say they are trying to prevent fraud, but they are inviting fraud by not allowing me to change the address and email! Today I got to my JC Penney card and the exact same thing happened and they are going to try to make me jump through hoops to fix that one too. My JC Penney card has a XXXX  balance, and I am going to pay off my WalMart card this week. I doubt a fraudster would pay off my credit card for me. And incidentally, when I do, they will start lowering my credit limit because I am not using the cards, which should be against the law. Please see if you can persuade these people to allow me to change my profile for these credit cards. I would close them both but both have a high credit limit and it will hurt my credit to close them. This whole thing is ridiculous! I have attached all the pertinent correspondence. Thank you.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed. 

I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities. 

The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected. 

Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes
Product: Debt collection

They never provided a full accounting of hours billed against the large amount of money paid to them. They were over paid and I refuse to pay them what they claim when they most likely owe me a refund. Without an hourly accounting they can not demand money.
Product: Credit card

Hi there. I have read my credit score and something is not right. I haven't opened a new product and either have done over 12 months a late payment. My past historial credit report with missing or payment was due to a particular reason explained to my creditors not being this my intention, after of that not good experience I have kept a behavioral exceptional so I encourage to you to investigate because all my payments are on time and not asking for new products of credit to get a drop of XXXX or XXXX points, so I don't trust this credit report and not coming true. It looks like pull on to accept a higher membership such I am not interested. I would prefer not having an open membership with you because is not trusty or not responding to the true. I could assign a financial attorney for this and resolve this issue. 

For contact, I am searchable I'm XXXX XXXX, if it is necessary. But the true it demands a deep investigation from my side or your side, of if is other person using my credit, such I don't share with nobody else. 

Sincerely, XXXX XXXX
Product: Student loan

I have several issues with my student loans that I have requested help for multiple times and have not had any correction to my account. 

First I consolidated my FFEL loans as instructed in the PSLF waiver. My qualifying payments are all now matching but my leftover not eligible payments were not shifted over to my consolidation loans. My origional loans have 24 not eligible payments and my consolidation loans show 0. This is a HUGE problem because I expect these 24 payments to count when the IDR waiver is applied to my loans this Fall - Fall starts next month -and my loans will have over 120 payment. If those 24 payments do not go onto my consolidation loans I will end up with " hanging loans '' and I have friends who had this happen during the beginning of the PSLF waiver, they complained and just this week received letters that the issue can not be corrected! I DO NOT want to have some of my loans forgiven and be left with my consolidation loans for another 2 years because of an administrative error. I have contacted FedLoan, Federal Student Aid, several ombudsmen and CFPB about this issue that should be simple to fix but it is not fixed and I am running out of time since the IDR waiver is starting next month and Fedloan accounts will be transferred to XXXX soon. 
Second during one of the times when I received random information instead of having my issue corrected I was told that 6 months of my 24 not eligible payments is from a " unenployment forbearance '' but my income is certified for this period of time so that does not make any sense- it seems that those 6 months should have been automatically corrected.

Please help me, I am not sure what else to do.
Product: Mortgage

Specializes Loan Servicing is reporting that I am over 120 days late on payments to XXXX and XXXX. When i access Specialized Loan Services it shows all my payments through XXXX XXXX yet it keeps posting my next payment due is XXXX XXXX, XXXX. If I make a request in writing to SLS to provide backup documentation to support this error they suspend sending me a monthly statement with billing invoice. When i sent an email asking for XXXX XXXX and XXXX XXXX statements i was told they are not available since i sent in an inquiry about my account and they suspend sending out statements during an " Investigation ''. They have posted over {$3000.00} in late fees since XX/XX/XXXX yet when i print out my payoff request letter, these fees are not listed. I have repeatedly asked for a breakdown of these fees but no one is responsive and then i do n't get a monthly statement. I have noticed on other consumer websites that i am not alone in my frustration and confusion with dealing with Specialized loan Servicing. How many complaints about the same business practices need to be logged before action is taken to correct the practices of this unethical mortgage processing company?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX/XXXX I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX/XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : I C System Account # XXXX date opened XX/XX/XXXX bal. {$950.00}, eastern account System Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that are not of me and Im trying to buy a home
Product: Credit reporting or other personal consumer reports

I FOUND FRADULENT ACTIVITY ON MY CREDIT REPORT I FOUND 2 HARD INQUIRES THAT IS NOT MINES AND I DIDN'T AUTHORIZE THIS HARD INQUIRES COMPANY NAME : XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card was used fraudulently without my permission and without my consent, My card was lost or stolen at airport and used All over the XXXX, I 'm XXXX XXXX  protected from fraud If I i file in a timely matter and send a affidavit of fraud as I did, THis has been done and they took charges off my account and put them on new account then they closed new account and now they are not even sending out a working card.. I filed the fraun report Months ago and they have had more then the time allowed to investigate and resolve this and have not down so!
Product: Vehicle loan or lease

I have contacted ally auto to update my information. They say theyve updated my phone number to give me access to my online profile. Despite numerous phone calls, most calls being sent overseas, the issues with logins continue. Even after 5 different calls. 

Instead, Im sent to make my vehicle payment through a vendor that charges me {$5.00} in addition to my payment. 

This is absolutely ridiculous and unacceptable. They give massive interest rates and make making a payment almost impossible.
Product: Credit card or prepaid card

Macys sent my bill to a closed XXXX XXXX and had my physical address, but did not bother to get a hold of me for five months. I finally received the bill from the person working at the XXXX XXXX and I called them and paid the late fees. In the meantime they informed credit and my credit went from XXXX score to XXXX score. Not knowing that I had this bill I purchased clothes at Macys and opened another account because I thought they closed the old one because I rarely used it. I paid the balance and closed. my account when I found out about the credit report. I see my new credit report because I disputed and I see I had now a {$2.00} balance. I called and they said it was interest. I would never have known about this balance if not for disputing my credit report. It seems to me they were looking to charge me late fees instead of trying to find me when they had my physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send numerous letters to XXXX, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
Product: Checking or savings account

On date XX/XX/31 my credentials were lost on a night out and I was unaware. Per 15 USC 1693f ( a ) ( 2 ) I notified the financial institution ( Chase Bank ) regarding an error on my account from an unauthorized transaction. Under 15 USC 1693f ( e ) ( 1 ) ( a ) the financial institution did not make a good faith investigation of the alleged error, due to the fact of me having this same issue prior with my debit PIN number being written on the card for health reasons, Ive informed Chase Bank numerous times of this in which it should be notated. As well as the Digital Wallet feature not connecting my debit card to my apple wallet which would prevented this entire situation, I conveyed this information to the CSRs & the local branches, to no avail. My prior dispute/claim had the same incident and it was granted in my favor which Im also seeking an answer for as to why they encountered a problem this time. Ive been violated of my rights and would like a fair and proper investigation into my claim as I did not complete nor authorize it and Im seeking the funds and damages Ive lost within this claim per 15 USC 1693m