23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Product: Credit reporting

Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I switched my cellular XXXX to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), Transunion and XXXX both still show the mistaken account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
XXXX XXXX XXXX  has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings I filled an Identify thief report # XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry date JXX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : What I want to know is how Experian, let all these accounts fraudually pass through there system when I never opened a member ID with them? They used my name for different loans and credit agencies through 3rd parties. On top of that they dont even have my social security number right. The account has my name and my wifes social. I am very disappointed!!!! For years Ive had to pay out of my federal taxes to pay agencies back that I had to fight because I knew it was not my credit. Ive been trying to get a loan for years and never been able to buy a house or a vechicle to provide for my wife and kids. We have XXXX kids that suffered through all these rough times with us. For somebody else to steal our identity, right from under our nose with not even knowing. I finally caught up with my student loans and I couldnt understand why I couldnt approve for any loans until I finally decided to check my credit report to find out that somebody had stolen our identities. Now under the Fair Credit Reporting Act to know the information contained in my credit report. Now we understand ourights under the federal law and as of now we will be seeking legal actions to resolve this unfortunate matter. This is fraud!!!! How could this happen to my wife and I? We have not been able to prosper for our children. My wife is ill and cant even walk and I cant even afford for her to get seen. We have a son in college and a daughter that is a senior this year and she had to work super hard to get scholarships because we cant afford to get loans approved to be able to contribute to our children furthering there education. Now this matter needs immediate action. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX P.S. Lawfully wedded in XXXX XXXX, IA
Product: Mortgage

I have submitted this complaint on my behalf. I initially obtained a " loan rate lock '' in XXXX 2016 which was to expire in XXXX 2016. The loan did no close, even after extensions of the rate lock and the closing hard scheduled by the XXXX ( Sebonic Financial, Cardinal Financial and XXXX entity ( ies ) ). The extensions where necessary because the " XXXX XXXX XXXX '' made late requests for information which had either already been supplied, or which was of no substantive significance to the loan or completion of closing. I believe these that these belated requests and ultimate failure to close the loan were intentional, to allow for the imposition of additional fees and/or a higher rate of interest.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX proceeded to call my ex-significant other and discuss in detail my debt with NetCredit. My ex is not responsible nor does he know anything about NetCredit. XXXX XXXX not only discuss the supposed debt with him, but also proceeded to ask my ex if he could make a possible settlement payment on my behalf. 

XXXX XXXX claims he tried to communicate with me, which I never received neither a message or call from him, so he had no other choice but to contact my ex as well as other people that were only acquaintances. At no time whatsoever did I give permission to NetCredit, XXXX XXXX, nor any other person/agency which I may have any business with to speak nor discuss of my business affairs with any of my relatives, children, or acquaintances at any time. 

XXXX XXXXNetCredit 's collection tactics and disclosure of my personal and business information have put my financial security in jeopardy and they should be fully investigated and prosecuted if need be.
Product: Credit reporting or other personal consumer reports

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

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

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, credit repair services, or other personal consumer reports

These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. ( 1 ) XXXX XXXX XXXX : Inquiry Date - XXXX / ( 2 ) XXXX XXXX  : Inquiry Date - XXXX / ( 3 ) XXXX XXXX XXXX XXXX : Inquiry Date - XXXX / ( 4 ) XXXX XXXX : Inquiry Date - XXXX / ( 5 ) XXXX XXXXXXXX XXXX : Inquiry Date - XXXX / ( 6 ) XXXX / XXXXXXXX XXXX : Inquiry Date - XXXX / ( 7 ) XXXX XXXX XXXX : Inquiry Date - XXXX. - End
Product: Credit reporting

I recently applied for a mortgage refinance with XXXX XXXX Loans. The credit score reported by Transunion to XXXX XXXX Loans was XXXX. The credit score reported by Equifax was XXXX. My credit scores reported by Transunion through XXXX XXXX was XXXX and XXXX by Equifax. I understand that fines were levied by your agency just last week for this practice of reporting XXXX different credit scores to lenders and consumers and I would like these companies to cease this practice immediately and provide an explanation as to their continued violation of this forbidden practice.
Product: Mortgage

We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Who it may Concern I Never applied for a Loan from this you reporting on n accurate information and send Mail to my resident I reach out several Time my information was fraudulent use and you Need to investigate and remove my Name from yall Data Base
Product: Debt collection

Being sued for a 20 year old debt that I wasnt aware of and my income is being garnished and I cant maintain my home because my wife doesnt work and has a lot of doctor bills. I wasnt aware of this debt until my wages were garnished. Theres years of interest that has occurred and theres no way i can pay that debt and its not my debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account ( s ) that have been reported under my name. I recently discovered that the following account ( s ) do not belong to me and were opened without my authorization : Account Number ( XXXX ) : XXXX Date Opened : XX/XX/2018 Amount Charged : {$3500.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account.
Product: Student loan

I thought Navient would no longer be my loan servicer, but I continued to receive correspondence from them. I called in and was told that since my loans were owned by Navient, they would continue to be my loan servicer. I asked the representative to explain what that means to me and the call was disconnected. I really dont understand what is meant by my loans being OWNED by Navient XXXX I want to know when this ownership occurred and how it impacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( s ) to be in erR Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated the FCRA 1681, by not conducting a reasonable investigation of account reported by XXXX XXXX XXXX XXXX with a balance of XXXX. This account has been reporting on my credit report for a few years. Please block the fraudulent information that is reporting on my credit file from this company. Attached is the FTC Statement, and a copy of my identity.
Product: Debt collection

I disputed this account, I was a victim of a credit breach, and it was deemed to meet the FCRA 605B 15.S.C. 1681c-2 this should have been removed from my credit report ; it was reported as a charge off, instead this company continues to renew every year.
Product: Consumer Loan

The problem is with GM Financial and the difficulty I 'm having with the company applying the funds that I sent, before my first regular monthly payment, to principle only. According to what I read, from the company 's literature, all funds made previous to or after a regular monthly payment or simple interest payments would automatically be applied to the principle. I also spoke with a representative who pretty much said the same thing ; before I ever made a payment. In the month of XXXX 2015 I paid a total of {$3800.00} on my car loan. To date my monthly payment has not changed even though I paid {$3500.00} over my regular monthly payment. The months owed on the loan was corrected to show that I now owe for XXXX ; that 's it. At first when I called I was told that the situation will be corrected. The last time I called I was told that my payments would stay the same and the months I owed would stay the same. What I had been doing is basically making early payments. When I email but get no response. 
Snippet of email sent to GM Financial '' I made a totalpayment of $ XXXXdollar on myaccount. I havecalled severaltimes to make surethat all of thefunds are appliedto my principleONLY. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payment accounts due to the pandemic. I've since gotten back on track, and the creditors still report late payments on my charges. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies XXXX ( XXXX XXXX. XXXX et seq. ) terminates. 

( ii ) Reporting Except as provided in clause ( XXXX ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
Product: Debt collection

This Company is listing a report on my credit bureau reports that has been paid in full. I would like this tradeline to be deleted permanently.
Product: Debt collection

vanceHoffman, This is not my account I have no knowledge about this account,