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

On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email notifying me of a change to my credit report. Upon investigation, I found that XXXX XXXX  XXXX and Consumer Adj Co had been added to my report with a derogatory amount of {$100.00}. I am disputing the validity of this claim and reporting these companies for illegally obtaining my Social Security number and misusing my credit report.
Product: Debt collection

Hi I have police report I sent over to credit company they closed the Acct and two days ago I recvied calls and notice in The mail
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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
Product: Debt collection

There are 2 items on my credit report that not mine I have never open these accounts I have wrote a letter to credit company and files a Dispute with credit bureau and these items remain on my credit report also it not showing on my credit repair as disputed items
Product: Consumer Loan

I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. 
The account number in question is XXXX Thank you for your intervention. 
XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit card or prepaid card

I have been a victim of identity theft so the application process is much intense than when someone without the same circumstances apply which is against my rights I should be treated the same as a regular consumer
Product: Debt collection

Self is a company whom they state is a company designed to help build your credit. You select the plan meaning how much you would like taken out of your personal account every month. Self than report the amount/payments deducted from your account to the creditors as on time payments.

I decided to end business with Self, meaning I no longer wanted Self having access to my personal bank account. From there they reported it on my credit as late payments.

Yes, I've tried to resolve the matter and even went deeper to asking how can you report something on someone's credit as late when they no longer want your business and like this is some sort of credit card. This is my money you're taking out of my account every month then reporting to the creditors as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : XXXX : 1. XXXX XXXX XXXX XXXX Account Number:XXXX 2XXXX Account Number : XXXX 3.XXXX XXXX Account Number:XXXX Transunion : 1.XXXXXXXX XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and XXXX so please prove to me how Transunion can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
Product: Vehicle loan or lease

Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Product: Debt collection

I asked the company for a 1099-C per the company is showing the amount as charged off but still show that amount currently due. The company has filed an insurance claim for the fill charged off amount.
Product: Credit card or prepaid card

I filed a dispute claim on XX/XX/2019 to Citi Bank Credit card for not getting the quality of services of goods i ordered from a store that is walking distance away from my home. I ordered windows for home to be energy star comply with the area and state where i live but i received a bow window with different design than i asked for and other windows were not energy star comply. the merchant didn't provide me with any paperwork or had me to sign for product description for non return policy. the credit card company denied my dispute while i provided what they asked for and attempt to return the product by talking to people in the store ; credit card asked for tracking number or any approve of attempt to return product, i tried to explain that the store is a walking distance away from my home and i tried to return the product be they didn't accept it and the merchant was very rude talking to me. I told the credit card investigator that the merchandises are available to be return anytime as i purchased what i was supposed to get from different supplier. I feel like i got ripped off and credit card company is standing with the merchant for no clear reason!
Product: Credit card

On XX/XX/XXXX, I bought a XXXX from XXXX XXXX and put roughly {$3500.00} dollars onto a Comenity bank credit card. I never received one statement in the mail or never saw anything of the guidelines in person. They say I signed up for paperless statements but I don't recall doing that. The card was a 2 year interest free " promotion ''. So on XX/XX/XXXX I had 1 payment of {$200.00} dollars remaining. The card wasn't paid off so they charged me the .29 APR interest from my original purchase price. I was charged an additional {$1300.00} onto my account. 

I take responsibility for not paying attention and realizing that that deadline was XX/XX/XXXX. However, since I never received 1 statement in person I was unaware of the situation. I obviously would have made that last {$200.00} dollar payment to avoid paying the {$1300.00} in interest. 

I have called their call center and they advised there is nothing they can do about it. However, I am not sure where they are getting the {$1300.00} interest charge from. Nobody can help me in their call center or tell me where that number is coming from. You can do the math .29 % interest on {$3500.00} is {$1000.00}. Not {$1300.00}. I am trying to get help so I at least get charged the right amount. 

I feel that I shouldn't have to pay any of it due to me making all my payments on time and planning on paying off the full balance ( 1 month off ). I didn't receive 1 statement in hand and that seems unfair to me. I also am being charged the wrong amount.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or prepaid card

I had a prepaid card with Kikoff. They are showing an alleged {$6.00} pending balance on the account that is not mine. They have also reported my account as delinquent to the credit bureaus repeatedly because of this and have charged off my account since 2022. This has damaged my credit standing. Kikoff needs update this information to show a XXXX balance on this account and delete the alleged late notations and any reference to a chargeoff from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am being denied for credit due to my credit scores appearing nearly XXXX points less on XXXX in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while XXXX is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. XXXX of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via XXXX is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate XXXX XXXX is being provided. This is damaging me financially, its crippling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Student loan

My student loans were forgiven and nelnet reports on their portal a XXXX balance with a last payment on XX/XX/year> of XXXX Credit report shows as open still.
Product: Mortgage

The servicing for my home loan was transferred from The Money Source to XXXX XXXX effective XX/XX/XXXX. I am trying to get a XXXX form for XXXX from The Money Source and they appear to have shut down and are not providing any tax documents. 

I called The Money Source at their number ( XXXX XXXX XXXX ) repeatedly to request the XXXX form. They do not answer the phone with a live person no matter how for you go into their menus. 

I used to be able to log in to their website XXXX XXXX ) but the website doesn't appear to be inexistence anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 / XX/XX/2020 Contacted Equifax to have credit repot unlocked. Calling the company XXXX number I spoke to an agent that has limited grasp of the english language. The agent asked written questions and after 20 minutes said he was unable to unlock my account. He said that a letter and answer sheet with documentation be sent to Equifax. A letter was sent via Fax to Equifax per his instructions on the XXXX XXXX, 2020. On XXXX XXXX, 2020 I received a letter form Equifax stating that the information sent was not sufficient to verify my identity. Calling Equifax XXXX number to inquire what other documentation would be required took me thru the same routing and questions that were asked in my previous conversation only to be told to send a letter to Equifax with the same instruction as before. When asked if I could get a number to contact someone in the USA he said they could not provide me with a number. No email address are provided for Equifax so contacting someone to resolve the problem makes it impossible. XXXX XXXX, 2020, another letter has been sent to Equifax requesting my account be unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank and trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX
Product: Checking or savings account

I just want to bring up some important information regarding the situation I had with America first credit union first off last year in the summer of XXXX between XXXX and XXXX I had an issue with an employee I do not know the name but I recently had my father pass away in XXXX and was just trying to get some information because I thought my father had a loan through America first credit union so I asked them if my dad has an account here his names XXXX XXXX they refused to help me I am his father and I was trying to track down a loan and such and they told me to leave and get out of the bank because I was being disrespectful I felt like that was really wrong but whatever Im XXXX but also I asked if I could open up an account and they said we dont want your business so that was crazy i then walked off all XXXX XXXX  and said take those masks off so I can actually talk to you and take those shields off so I can actually speak to you your being absolutely rude as can be totally uncalled for hat they did but its ok I wont be doing business with this bank ever again or ask questions its really childish how u acted towards me I wont tolerate that kind of behavior at all very selfish of your company
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was alarmed to find an inquiry that I do not recognize and never authorized. I have never applied for credit with this company, nor have I given permission for them to access my report. This unauthorized inquiry is causing me significant stress and concern, as I have no idea how or why it was made.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past  due  X/2016 ,  X/2016 , 60 days  X/2016  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.     Also, you are reporting this account twice on  XXXX  which the second account needs to be removed.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX 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

I was reviewing my credit report and noticed hard inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since XXXX XXXX XXXX asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted