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

My account with FRD MOTOR CR was never late! I have had exceptional payment history witH FRD MOTOR CR 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 XX/XX/XXXX and XX/XX/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. 


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: Money transfer, virtual currency, or money service

I was sent money and the person was with me that sent the money and when I went to check if it was there it had already been transfered somewhere else to someone I didn't know and then shortly after my account got closed and banned from cashapp then and future accts won't be approved either.
Product: Debt collection

My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc
Product: Mortgage

I applied for a home loan through OneTrust Home Loans on XX/XX/2024. After XXXX weeks had passed and hadn't heard anything from them in response to my application so I called the listed loan XXXX assigned to my application on my portal login. 
XXXX XXXX XXXX ID # XXXX Phone number : ( XXXX ) XXXX Email address : XXXX Website XXXX XXXX  I left XXXX voicemails, an email and sent a text ( to which they bounced back as this was just a land line ). After no response again, I then called the corporate office to get help and they simply forwarded me to him to leave a XXXX and said they would let him know. It wasn't until XX/XX/2024 that my phone call was returned on a Saturday where I was told that for some reason they were not notified that I had uploaded documents and he went over different loan options and reassured me I could definitely get a loan with them I just needed to submit XXXX more documents. I submitted those documents that same day after being told he would call me the next day and XXXX after that as I was shopping for a home. I have not heard from XXXX since XXXX XXXX our one and only conversation. Today, XX/XX/2024 I called XXXX and left a voicemail to please call me as well as called the listed corporate office phone number AND the " speak with a mortgage XXXX '' phone number to no avail. Couldn't even leave a message. Just a dead-end voice menu. Not only did they run my credit report they also have very personal and sensitive information. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On  XX/XX/XXXX , I received a letter from   XXXX   XXXX  . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have   XXXX   to find out how I can get a better resolution.
Hope this will be the best result.
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX-XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me at risk of identity theft and fraud due to negligence in handling sensitive consumer information.
Product: Mortgage

My loan was in forbearance with XXXX XXXX and was sold to Gregory Funding. Once Gregory Funding took over my loan, they did not honor my forbearance and they are requiring payment of all of the amount that was put into forbearance. So they are saying that I am behind on payments and the entire {$25000.00} is due immediately. Even though I am making my monthly payments they are charging me a monthly late fee.
Product: Debt collection

This WAKEFIELD & ASSOCIATES account number XXXX that has a balance of {$160.00}, opened on XXXX XXXX is not belong to me. I don't have an idea why I got this collection. This is FRAUD someone used my identity for their own benefits. I'm done filing an FTC affidavit. Please see attachment.
Product: Credit card

We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long?
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inquiries on my credit report that I didn't Authorize. I need to get them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has 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 or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my XXXX  Loans they show I have 7 Loans but I only have 5 loans which I verfied on FSA. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the XXXX Loans are 12 years old and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over XXXX points since XXXX due to none payments on my XXXX  Loans. Yet all XXXX loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX Ive been trying to fight this for months but my account was closed due to a fraud check that was sent to my name capital one says I can not reopen my account due to that. And I owe - {$99.00} to my checking and also been fighting to pay my credit card but have no way to access to pay it and I keep getting emails that my fees gone past + {$300.00} on my card and only had a limit of {$200.00} I need help to figure out what I need to do to fix this problem I need to have access and my credit has dropped way low and I need my checking account
Product: Debt collection

I received a demand letter from XXXX XXXX XXXX XXXX dated XX/XX/2022. I called the company on XX/XX/2022 and spoke with XXXX XXXX. I asked for a settlement amount and was advised she did not have one. I asked if I could email one and was given a generic email that does not provide responses ( XXXX ). XXXX stated the attorney assigned to this account. Was XXXX XXXX. Was advised when I called back on XX/XX/2022 to speak with the Atty XXXX XXXX regarding a potential settlement I was advised she is not in the office, she is in court all day and you can not speak with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Product: Debt collection

I Consumer XXXX XXXX entered into a consumer credit transaction with Bridgecrest, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Bridgecrest took cash. The finance charge is supposed to include insurance, but Bridgecrest made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized hard inquiries on my Experian credit report despite having a history of identity theft. The following companies made unauthorized inquiries : XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ), and XXXX Card ( XX/XX/year> ). Additionally, my personal information on my credit reports is incorrectmy full name is XXXX XXXX XXXX, and my correct home address is XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX I have frozen my credit file, but Experian does not allow me to dispute inquiries online. I have attempted to correct this information and dispute the inquiries, but Experian has not addressed the issue. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these unauthorized inquiries and the correction of my personal information.
Product: Credit reporting or other personal consumer reports

I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXX XXXX # XXXX, XXXX  Accounts # XXXX, # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I received a letter addressed to my ex husband and I regarding a loan he got for a used car that I was never a part of.i never cosigned on his used car loan or have any thing to do with that vehicle he bought back 20 years ago around XXXX. It was repossessed shortly after he got the vehicle on valentine 's day uf I remember correctly. I have been divorced since XXXX and am very concerned as to why my name is on this letter. They should be no reason for my name on any thing with his unless my name was fraudulently included on his loan with wellsfargo for that vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are XXXX XXXX and Mercantile adjustment bureau. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
Product: Credit reporting or other personal consumer reports

Once again after months of battling this fraud, I'm addressing Equifax is reporting fraud accounts on my credit report. Equifax continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Equifax investigated with the companies reporting fraud & say it's verified but show no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Equifax refuses to provide support. Equifax is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Equifax doesn't stop breaking the law. These accounts are FRAUDULENT!! XXXX XXXX acct # XXXX {$2200.00} & XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Equifax nor these companies have supplied me physical lawful proof in the 30 day time frame & now XXXX has passed & this is way passed the legal time, therefore Equifax must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to the CEO & CFO of Equifax. & I HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Equifax has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, XXXX, Experian ). 

Experian ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXXXXXX/ XXXX, XXXX XXXXXXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY 'XXXX XXXX XXXX XXXXXXXX XXXX ' ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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 ' According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, Experian, XXXX ). 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation.
Product: Payday loan, title loan, or personal loan

I bought a used car in XX/XX/2021 and the loan was funded through US Bank, beginning in XX/XX/2021. In XX/XX/2021, I received a letter from US Bank telling me that I was late on my loan payment. I logged in to my account and the statement showed the loan amount paid from my Bank ( XXXX  XXXX XXXX ) to US Bank and the loan amount and then the very next line of the statement said, " amount reversed. '' I called US Bank on XX/XX/XXXX ( the first of 12 phone calls ) and spoke with a customer service representative who said that he would try to submit my payment again which he did and said that the money was transferred. 
A few weeks later, I received another letter from US Bank, telling me that I was late on my payment again. This continued to happen so US Bank asked me to get a letter from my bank XXXX XXXX  XXXX XXXX ) stating my account number and routing number to make sure that it was correct. In the mean time, I spoke with supervisors at US Bank, who, with my permission, " took over control '' of my laptop screen to check my account and routing numbers, which were found to be correct. 
I was able to make an in person appointment to talk with a customer service representative at US Bank and he suggested I download the US Bank app on my phone and try making a payment using the app, which I did and it was successful, but it was too late. US Bank had already reported my supposed delinquency to all three credit bureaus. 
I called US Bank a total of 12 times ( and talked to 12 different people, having to eplain everything over and over and over ) over the past three months, to no avail. I mailed them approximately 25 pieces of paper as they requested to prove I was making payments and that their US Bank online system was rejecting my payments. All of my phone calls to US Bank were recorded. 
I am ( was ) in the middle of getting pre-qualified for a home loan and my credit score dropped XXXX points because of US Bank 's mistake and my lender will not move forward with me because of my credit score.

I would like US Bank to reverse the damage that they have done to my credit score with all three credit bureaus.