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

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN Remarks : Dispute and Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following dates : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>. Since then these accounts have repeatedly been reported as Charge Off every month. This is an update of the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. One two occasions youve failed to investigate these accounts thoroughly & your gross neglect has violated my rights. Im demanding deletions of the accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.
Product: Debt collection

1.I have never had an account with this company LVNV FUNDING LLC , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received and email from Experian on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018.

I have never lived in XXXX  nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated phone calls
Product: Mortgage

I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.
Product: Student loan

In XX/XX/XXXX - I contacted Navient regarding the status of my account. The representative informed me that it was past due and suggested I applied for an income driven repayment plan. I did as he suggested, over the phone with him, and we didn't disconnect until it was successfully submitted. He stated he would take care of the past due and bring my account back to good standing. At this point, nothing negatively had been reported to the credit bureau.

XX/XX/XXXX, I called in because my credit score dropped XXXX points. This was reported to the bureau on XX/XX/XXXX. The status of my account had been changed, according to the credit bureau, and my Navient balance had gone up nearly {$10000.00} over a 2 month period. I've been out of school for almost 5 years, this has never happened before! Neither was this explained that this was going to happen or that's in depth, what he was doing that day ( XX/XX/XXXX).

The representative stated that no later than XX/XX/XXXX my account would be updated and it'll return to as it was. I was furious because I informed him that I should've been on an income repayment plan by that point. I logged into Navient.com while on the phone with him and sent the proof that I'd successfully completed the documents while on the phone with the representative in XX/XX/XXXX. That means that in XX/XX/XXXX, my account status should've changed from " forbearance '' ( although I had no knowledge thats what it was under ) to " Income Driven Repayment '' ... They had not processed the application. 2 months, and they had not processed the application!

So XX/XX/XXXX, after speaking with him and he reassured me everything was fine, I got an email XX/XX/XXXX that my " Income Driven Repayment '' plan had been approved and in full effect. This was my second time doing so.

I called in today, XX/XX/XXXX, and was told that upon them fixing the error, the status of my account would go into past due. How can my account leave " IDR '' plan, to a past due status all because of them?! I'd be forced to make the payment. This is totally unfair, their error, their scamming, and no one to aid me. Please help me with this!
Product: Credit card or prepaid card

On XX/XX/2023, a bank check from XXXX XXXX in the amount {$15000.00} was sent by XXXX Overnight to Capital One to pay off my credit card account including interest. I HAVE DOCUMENTED RECEIPT OF THAT DELIVERY TO CAPITAL ONE at XXXX XXXX on XX/XX/XXXX in XXXX NC. The receiving employee has signed for that check. 
I began calling Capital One on XX/XX/XXXX to question why it was not yet applied to my account. They responded that they had " no record of that check '' although I sent them a copy of that signed receipt. 
They continued to charge me interest. 
After waiting 30 days, XXXX XXXX stopped payment of that check and issued a second check which WAS received and credited to my account. 
To this day, the interest has compounded and they have not acknowledged that indeed, they lost my first check at their facility, which I have proof of. 
Documentation was mailed to their dispute center and on XXXX, we received a letter stating that there was no error on the part of Capital One. Interest compounding continued.
Product: Credit card or prepaid card

I have a Truist Bank Mastercard, I had a balance as of XX/XX/XXXX of {$930.00}. I sent the payment via online banking program. The next day, I made a purchase with a company, for {$340.00}. The company credited me back {$170.00}. At this point by balance shouldve been {$170.00}, instead, the bank added my payment and the credit to the card balance totaling {$1200.00}. I called the bank and was told that my payment and the credit had not been processed. When I asked why were the payment and credit added to my balance, instead of subtracting it. I was told that it will take a 24 to 48 hours to be processed. I asked again why was it added instead of remaining {$930.00}. The ( gentleman ) stated, Is there anything else I can help you with. I stated you have not answered my question, why it was added to my balance. At that point I was told to have a nice day, and he hung up. 

I felt my account should have been {$170.00}, in that the online statement showed the payment and credit both pending.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX - Incorrect Name # 2 : XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

3. Wrong Date of Birth : NONE My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers 1 : XXXX XXXX - Wrong Employers 2 : XXXXXX/XX/XXXX My employers is XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card

it will be XXXX year XX/XX/XXXXXXXX XXXX 2024 synchrony bank has not put XXXX as paid on my account.keep saying going to review it then take XXXX off then adding XXXX back on .this has been going on a year.my bank fax all infro to them i have sent all infro to them 4 times. 
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sams club synchrony bank .bank telephone number XXXX XXXX XXXX XXXX i have their check where they cashed it was taken out my bank account.i have everything to prove it has been paid. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, XXXX, AND EXQUIFAX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX of XXXX. I was given an initial contract showing the program would cost no more than {$9000.00} once completed. I was assisted through the process of filling out my FAFSA and was qualified to receive Pell Grant and other student loans to pay for the program. In XXXX of XXXX  I had still never received my Pell Grant from the school and I also came to find a new contract in my student portal that was never signed by me and had increased the program price up to over {$15000.00}. I was in constant communication with XXXX XXXX ( head of their financial department ) and other administrators regarding the receipt of my Pell Grant that was months over due. In XXXX of XXXX I decided to exit the program and not allow the school to take out anymore student loans in my name. I still had not received my Pell Grant when I left, but I stayed in communication to ensure I received it. On my exit paperwork ( that I will include in my documents ) when I decided to withdraw from the program- I owed no further amount to XXXX XXXX, but they owed me {$3000.00} for my Pell Grant that I was told would be released to me. I continued correspondence with XXXX XXXX and finally received my Pell Grant from the school in the amount of {$3000.00} in XX/XX/XXXX. It was in XX/XX/XXXX that I was made aware that I had a collections account added to my credit report by Lockhart Morris & Montgomery for the amount of {$3000.00} dollars naming the original creditor as XXXX XXXX XXXX XXXX. 
There was never any arrangement or personal loan given to me by that institution. This representation on my credit is nothing short of fraudulent.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below :
Product: Consumer Loan

I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?
Product: Credit card or prepaid card

I have been charge {$270.00} on my credit card from XXXX but they denied any charge for that amount but it showed on my credit card statement but when I disputed it with the bank they asking to wait 90 days witch way too much specially I didnt make those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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


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

EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Mortgage

Wells Fargo Home Mortgage process took over 6 months. They were in violation of Reg B. They have 30 days to make credit decisions after they receive all requested information. They play this game and request more and more information and even request information that is not applicable ( for example I own a duplex and they would ask for rent information on a 4 plex ) So that starts the clock again for the 30 days. 
This went on and on to the point I had to draw a line in the sand and say you have been given all the information you requested and I still do not have loan approval or denial so you have to make a decision. 
I have complained to the company and they have told me a bunch of false and inaccurate information on information requests that they made and I have all the documentation showing that I have responded in a very timely manor and given them everything they needed. They were busy and hiring temps to cover the work load. I worked for Wells Fargo in a non mortgage related capacity. I can tell you that the corporate culture is to deny and bury consumers in paperwork to stop the clock. This has damaged me and my ability to receive fair credit as a US Citizen and taxpayer. 
I have 13 emails responding to their requests for information.