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

My account with XXXX, XXXX, XXXX XXXX XXXXK was never late! I have had exceptional payment history with XXXX, XXXX, XXXX XXXX XXXX on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that are reported late 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, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  I contacted Transunion regarding their inquiry issue I was told I was not affected which in fact I was. Customer service refused to help and take care of negative inquiries reporting to my credit report. The inquiries in question :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Student loan

On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and spoke with XXXX  No. 
XXXX. He confirmed my new payment of XXXX to be due XX/XX/XXXX. He stated that he requested the capitalization be turned off on my account from XX/XX/XXXX to XX/XX/XXXX which would then bring my account current and no past due payment. 
I asked when this should be completed and he was unable to provide a specific timeframe, rather stated, in the next few days. 

I continue to receive emails stating payment was due XX/XX/XXXX and I am past due. 

He then transferred me to loan forgiveness and I spoke with XXXX No. XXXX. I stated that I have been paying on this loan 10 years prior to going on loan forgiveness and was told those 10 years would not be able to count toward the loan forgiveness. 
I stated that since XXXX I was on this program and my account is only showing credit for 18 payments of the 120 required. She stated I only began as of XXXX. 
Please see the attached letter from XXXX XXXX I began with XXXX, XX/XX/XXXX. I stated that I have been in contact with XXXX   XXXX for quite a few years and no resolve on this issue. XXXX stated that problem was I paid double payments one month, thus my account went to paid ahead status which then notes my account that each payment after that month was late. I stated that this makes no sense and she stated it was a courtesy that they put on the account. Again, I stated this makes no sense and if an additional payment was made and it was a problem, it should have been credited to the following month. ( See additional submitted document. ) XXXX stated should would submit a request to recount the qualifying payments. I requested when this would be completed. XXXX could not provide a specific date and stated in the next few days. 

I have yet to hear by phone and letter that this has been resolved.
Product: Mortgage

On XX/XX/year> LoanCare LLC received two checks, a written notice, and a payment coupon, specifying that XXXX check was the monthly payment due on XX/XX/year> and the other check was a " prepayment '' or extra payment towards the principal balance in accordance with the signed loan agreement. On XX/XX/year> LoanCare LLC processed the payments incorrectly, debiting the monthly payment check from our account but not applying it to our loan account at all. The second check, for the prepayment, was incorrectly applied to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> payments. Written notice of the misapplied payment and missing payment are being sent directly to LoanCare LLC in addition to this complaint. 

This comes after LoanCare LLC mishandled a prepayment in XX/XX/year>, which was subsequently corrected after written notice was provided. 

This also comes after LoanCare LLC failed to provide escrow documents in accordance with the signed loan agreement and federal regulatory requirements. LoanCare LLC provided a monthly statement which did not reflect a line item for escrow, however, their website reflected a higher amount due than was on the statement. The higher amount on the website included escrow and when I called to inquire about the discrepancy I was told we only needed to pay the statement amount. When we paid the higher amount, to be safe, the additional amount was applied to escrow instead of as a prepayment towards the principal balance. Written notice of this issue was received by LoanCare LLC and instead of applying the escrow balance to the principal as requested, LoanCare LLC removed escrow ( this was requested ) from our account and sent a refund check for the escrow balance.

There is a pattern of disregard by LoanCare LLC to the signed loan agreement which would result in significant financial gain for their company and costing us thousands in additional interest. Is this because it is a VA loan, or because this is how LoanCare LLC conducts business as general practice?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX  and am disputing unauthorized hard inquiries on my Equifax credit report. The following inquiries were not authorized by me and resulted from XXXX XXXXXXXX : XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> I request these inquiries be removed immediately as they are the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Product: Credit reporting or other personal consumer reports

In Accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right of privacy.

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

15 USC 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.

15USC 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: Money transfer, virtual currency, or money service

Hello, I would like to bring this to your attention and wanted my money back from Remitly. 

I made a money transfer to XXXX using Remitly on XX/XX/2023. 

The mistake I made was that the receiver account 's last digit was wrong. Instead of XXXX I wrote XXXX. 

I made the call to Remitly many times. 

On XX/XX/2023 - The customer care ( female candidate ) acknowledged that money did not transfer to any one. She said that in 48 hours the money will be sent to the right account. 

On XX/XX/2023 - The customer care ( male ) said that the concerned team is working on it and they are approaching Partnering bank. 

On XX/XX/2023 - The customer care ( Male name is XXXX XXXX said that the money is not sent to any one, he requested for a reversal of the money. This was the ticket number : XXXX On XX/XX/2023 - The customer care said that the concern team is still looking into the issue. 

On XX/XX/2023 - The customer care person said that the concern team is still looking into the issue. 

On XX/XX/2023 - I received an email that the money has transferred to the correct person. 

Now when I asked for Swift Copy they are not providing any SWIFT copy too. 

I wanted to officially complain about this and look for my money back. 

All the customer care recordings are not shared by them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX XXXX  2222023 experian; XXXX XXXX XXXX XXXX  experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX  experian
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX CO 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

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.
Product: Checking or savings account

I have bank statements it was two checking accounts and two savings. It was always issues. I tried to get to bottom of it.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX. At some point my account was taken over by XXXX. I missed a payment in XXXX of XXXX due to being bed ridden with a high risk XXXX & unable to work. I was in communication with XXXX & I was under the impression that I was granted a forbearance. I've talked to XXXX to no avail for XXXX. In XXXX of XXXX I had finally gotten ahold of a supervisor in the collections department that was able to help me after many others had claimed there was nothing that could be done. I squared everything away & after not being able to explain why there were XXXX late payments, she had agreed to remove them from being reported to the CRAs. I was told to check back in XXXX to be sure. I did, & I was reassured They were removed. Now XXXX of XXXX & they're still reporting. I spoke with all XXXX CRAs after disputing & uploading proof of payments for those XXXX. Experian notified me that they validated the debt, I sent in a request of validation & their method of validation but did not receive anything other than updated comments saying they were verified by the creditor. I spoke with XXXX again, & they're now stating there's nothing they can do about what the previous supervisor told me. Even though experians report for that account shows what day the payments were made & for how much. Which coincide my payment records for the months being reported late. The only payment that was late was XXXX & their not even reporting it as late for that month. The report in its entirety is inaccurate. Everytime I call any of the XXXX companies im XXXX  & told different things by each representative but ultimately get no resolution. My payment is {$370.00} per month, I've always paid XXXX. If I were actually behind XXXX they would have certainly come & gotten the vehicle. XXXX & the XXXX CRAs reporting inaccurate information is unfair & XXXX  my credit worthiness to buy a home. I would like the steps needed to file suit against all XXXX companies as well as these false late payments to be removed.
Product: Credit reporting or other personal consumer reports

LVNV funding LLC HAS reported my address is XXXX XXXX XXXX XXXX I have never resided there and I have proof of reports with my mail being directed there with my authorization and me paying to fix it to the correct address Ive disputed there information and they refuse to remove it they are reporting false reports on my credit report resulting in derogatory marks and comments I would like it removed
Product: Credit reporting or other personal consumer reports

A XXXX credit card was open in my name with a {$1400.00} limit and a current balance of {$1300.00} that is negatively affecting my credit.
Product: Debt collection

in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, Lakeview Loan Servicing, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with Lakeview Loan Servicing. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausXXXX XXXXXXXX, and XXXX detailed documentation, including proof of payment and correspondence from Lakeview Loan Servicing, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the Consumer Financial Protection Bureaus intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

incorrect information being reported on my credit profile, I have reported these accounts several times before, I would like these accounts deleted due to consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unverified account of sources receivable account number XXXX is reporting inaccurately. On XXXX  is reporting account status as open, on my XXXX  it is reporting as closed and on Experian is reporting as closed. also there's a past due balance being reported on Experian for {$920.00} but on XXXX  and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified
Product: Mortgage

In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Recently, I received a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/information reporting to my credit report. Prior to me seeking Legal Representation, I would like to attempt resolving this situation myself. These remarks have been detrimental not only to my career and credit health but my child has been impacted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXXXXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX these two accounts were unauthorized and i would like the removed immediately
Product: Debt collection

XXXX XXXX XXXX filed a collection through the company I.C. System, INC ( Account # XXXX ) for the amount of {$650.00} for a health plan for a dog named XXXX that does not belong to me since I only have one dog named XXXX and my account is in good standing with no outstanding balance. 

In Accordance with the Fair Credit Reporting Act Account # XXXX of XXXX. XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$2100.00}