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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!
Product: Credit reporting

I applied for a loan at my local credit union ( RBCU ) in MN. They provided me with a standard Equifax credit report. XXXX notified me that my name was under collections with XXXX XXXX ( {$120.00} ). I have never used century link in my life. I spoke with XXXX XXXX XXXX XXXX. They were unable to find ANY sort of credentials in their system. ( Again, i have NEVER used their services. ) They mentioned I would have to contact the collections agency from XXXX. Due to the fact that I have never used services with them, I could not provide an account number, nor a collections agency name.
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the accounts from their records due to the inaccuracy of the accounts, and Im wondering why youre still reporting these accounts? Kindly remove the accounts from your records. 


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

This account was never late. I have always paid on time, not sure due to covid the system made an error. My account should be reporting current never late. I am responsible and pay all my debts on time, this is really affecting me.
Product: Credit reporting or other personal consumer reports

Navy Federal XX/XX/year> loan was applied was not approved
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Texas XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

Furthermore 15 USC 1681, Section 604 ( A ) ( 2 ) also states that Consumer reporting agency can not furnish an account without my written instructions. I did not give my written permission. Nor was I given the option to opt out of such reporting which is my right.

In addition under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. 

On or about XX/XX/2023 Arvest Bank reported a late payment on all 3 bureaus. I have spoken to customer service at the bank and on the phone with no resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have these items stricken from my Credit Report with XXXX, Equifax and XXXX. 

XXXX is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX Loan Forgiveness ( documentation attach with XXXX loan balance ). 

Equifax is the worst. They have duplicate Student Loan Information. XXXX for XXXX Student Loan and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX Loan Forgiveness for which I have attached documents from online account and a letter I received recently. 

The last is XXXX, that reflects the Student Loan ( s ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than XXXX days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Product: Debt collection

I have contacted her jefferson capital systems multiple times to request original debtors contract and statements. 
They have not provided the information
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. 
I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is repeatedly refusing to remove this account off of my credit record. It has been over 10 years old due to statute of Limitations in the state of NC which is 3 years from last activity on the account. I have disputed this several times in the past. It is showing a late payment and is hindering my credit and basic life of living when it comes to making purchases. I have disputed multiple times through Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX  and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.
Product: Credit card or prepaid card

Did not receive Way2Go Debit card. Need information to get a replacement card. Company automated service is not allowing the completion of process to request a new card. When placed on hold the call is dropped.
Product: Debt collection

I noticed 2 collection accounts from the same collector on my credit report ( {$95.00} and {$88.00} ), Since I never received a notification of these debts I searched the collection agency on internet and called. During the first call to the collection agency -XX/XX/2019- I was informed that the collector had 5 accounts under my name and social security number, with a total of {$300.00}. I asked for a full itemized statement since I never see the original invoices for these 5 accounts, the collector agreed so send the a full itemize statement. After several weeks waiting for the statements, I called the collector one more time -XX/XX/2019-, they claim they sent the itemized statements, but I never received it so I requested for second time, the collector told me the itemized statements can take 2 weeks to send ; since the hospital have search the files and later sent to the collector, that is a red flag because the collector don't know what exactly they are collecting, they don't have the invoices to collect. I haven't received the statements yet.
Product: Credit card

I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation XXXX WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? XXXX XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts removed from my credit reports
Product: Credit reporting or other personal consumer reports

TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ). Over the past couple of years, I have made several attempts to have inaccurate information on my credit profile corrected. Despite these efforts, the incorrect data remains, Certain items may be taken off and the placed back on the report a month or 2 later negatively affecting my ability to access credit and equal opportunities in financial matters. 

TransUnion has violated FCRA guidelines, specifically : 15 USC 1681s-2 ( a ) ( 1 ) : The obligation of furnishers to provide accurate information.

15 USC 1681c ( a ) ( 5 ) : The requirement to remove obsolete information from credit reports. 
15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without the consumers written instruction. 

TransUnions failure to address these inaccuracies has caused significant harm to my financial well-being, and I request that appropriate action be taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Base on, 15 U.S. Code 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00}
Product: Consumer Loan

We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.
Product: Student loan

Hello, I got an email about 2 years ago from XXXX XXXX that my student loan was defaulting to my surprise. I reached out to them immediately. When I called at them they told me my account had been suspended and turned over to the default resolution group and to wait for them to contact me. I checked my credit report cause I thought I had just recently had re set up payments, and it even was reported I made the 6 previous payments before this issue. I called back and explained the situation and even offered to pay  whatever outstanding there was. They told me there was a note attached to my file saying I couldnt make payments and to wait for the default resolution people to contact me ; so I waited. They never contacted me and my loan continued to collect interest and damage my credit score. Finally I reached out to them a year and half later. The first thing I offered to do was pay them XXXX $ because thats what they said the outstanding balance was and they still told me I couldnt. They had me fill out debt consolidation forms to get my out of default only to find out from the next agent I spoke too a week later that this special type of loan would never qualify for that process. After talking to several people and asking for supervisor after supervisor I finally spoke to someone who told me that my loan cant go through default resolution because its system isnt set up for this type of loan and basically Ive been waiting under their guidance for something thatd never while they collect interest on my account. Im just trying to get this resolved so I can repair my credit score and settle this last loan. Thank you for your time
Product: Mortgage

My mortgage was transferred to Panorama Mortgage Group, which is the most unprofessional, amateurish company Ive ever had to work with. They dont allow you to create an online account to make payments and track progress and confirmation. Im not even sure that my payments are being applied as they do not send statements. They arent reporting my mortgage to the credit bureaus. Ive had problems with them paying the premium for my homeowners insurance, which nearly got cancelled. Im now getting notifications from the county that my property taxes are outstanding. Ive tried calling Panorama and the phones go to a voicemail which doesnt even say the company name. When you can get someone to answer, theyre extremely unprofessional and rude. I dont trust this company and dont want them to have anything to do with my mortgage.
Product: Money transfer, virtual currency, or money service

I paid XXXX for a custom cash app card that I received but have not been able to activate the card for use. I added funds to the card in anticipation that I would be able to access those funds. I've had the card for XXXX weeks and I can't utilize it. I had to transfer funds out of the cash app account back to my bank to have access to my money. Cash App charged me fees to do this. Their customer support people just keep sending me form letters that the matter is being handled. Something like this shouldn't take XXXX weeks to handle. They refuse to refund me money for something I paid for that is defective. I want a refund so that I can close my account and move on to another provider.
Product: Credit card

I got a chase offer for my chase XXXX  XXXX  credit card which stated : spend {$500.00} or more in chase XXXX  by XX/XX/XXXX and get {$100.00} cash back I made a purchase on chase XXXX  on XX/XX/year> for {$580.00}, but chase bank is unwilling to give me the {$100.00} cash back. They claim I did not meet the terms of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Vehicle loan or lease

As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged? 

Also, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?