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

My account with the following occupancies were 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!

I demand the late payment reported 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.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I had stopped making payments and using my XXXX card back in XXXX. When I stopped paying my debt including interest was around {$1800.00} ( my max was {$2000.00} ) I had been on XXXX due to a bad XXXX XXXX  at work that required XXXX and then when I finally got a job in XXXX I was laid off wishing a few months due to Covid. In XXXX I received a letter from Mandarich Law Group stating their intent to sue me for a debt of {$2500.00} which was almost a {$1000.00} more than what they shut the card off at, but still kept charging late fees and interest. I sent them an email on XX/XX/XXXX informing them of the above information as well that I was currently unemployed due to covid but when I was employed I would be willing to make payments. I never received any contact, and they served the papers of the lawsuit to my sister-in-law with a different last name not to me and she did not give it to me for a few days. The papers stating the lawsuit had no court seal or anything showing that it was an official court document, and they did not have a state licensing bar number listed so I though it was a scam also it now showed over {$3000.00} balance due. Supposedly a judgment was delivered however when I logged onto the court website it states they sent about 10-15 documents none of which I received I did not hear anything from them again until they sent a letter ( the Mandarich Law Group ) that a judgment was received. Again no court seal or anything to prove an official government document or decision, no licensing bar number and the balance due now stated over {$3100.00} and since I had not heard from them for months I didnt believe it went to court. I asked for clarification on why the amount changed so drastically and they said it was due to interest still accusing.
Product: Credit card or prepaid card

Hello have fortiva credit card wanted it closed told me they closed it then sent new card! When i made phone payment they REFUSED to give me confirmation number we cant do that said they would send email they dont! They wont send a BILL say i have to request one! Switch me to another dept that never picks up now they say im late and are adding late fees Ive never run into this before is this even legal??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened.
I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ).
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The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Product: Credit reporting or other personal consumer reports

Today, I received XXXX emails from experian. XXXXexperian.com and XXXXexperian.com gave me, most likely same content notices ( dispute report XXXX XXXXXXXX ). I am not sure whether there are any changes before, which I asked to change. XXXX  gave me the list of addresses for the each credit card issued to me. It might be a change to send me the notice 8 times. XXXX sent me on XXXX about the credit card offer, and it also sent me to tell me they found my information exposed. And it gave me the lists, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ' I believe in the previous report from 2 companies said XXXX XXXX. XXXX. ' I just want to ask the United States government still allow to leak my name in the public to be used with unknown middle name XXXX Anyway, my first name is really rare in XXXX. I only know one person who has same name in XXXX. And the last one of the list says I was XXXX XXXX XXXX, which was not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.
Product: Debt collection

Harris and Harris LTD has called our phone to collect debt ( s ) that are not ours. I re-registered this number on the national do-not-call list in XXXX 2015 after speaking with H & H rep who was trying to reach XXXX XXXX XXXX. They continued to call, despite my repeated explanations that we are not either of the XXXX and that this phone number will never reach either XXXX. We try to ignore these messages, but they have gone beyond annoying. Another call came through today, so I called them back. Spoke with XXXX, who said that he has deleted our number from their records. I informed XXXX that he is just the latest in a long line of reps promising the same thing. He informed me that there 's nothing else he can do... then suggested i register on the do-not-call list. Sigh.
Product: Credit reporting 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 Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$580.00}.
Product: Debt collection

I have collection acct original XXXX XXXX XXXX XXXX, I settled on the acct with Transworld Systems on XXXX XXXX, 2016, Rep is XXXX XXXX, she was hesitant in accepting the settlement spoke to her supervisor then agreed to settle for {$840.00}, Monies cleared my checking acct. Come to find out later my account was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX would not send me proof of letter said I had to wait, I cld Attorney office they said XXXX should not have accepted my pmt. So now Transworld sends me letter says I still owe monies & that I need to contact Law Offices of XXXX XXXX XXXX I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a service-disabled veteran and run a charitable 501c3 www.vetsandhorses.org that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX XXXX Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX Please investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, XXXX XXXX
Product: Checking or savings account

My case number is XXXX. XX/XX/22 a person with a fake ID went into US bank in XXXX XXXX, IA XXXX XXXX XXXX XXXX and cashed a check for {$2300.00} then two days later that same person cashed a check for {$4000.00}. My wife noticed that my savings account was negative {$270.00}. I contacted fraud department as soon as my wife told me. The person I contacted told me that someone had access to my savings account and cleaned out my account. We immediately closed my account and opened another. I told the person that my family had a trip to Texas planned in XXXX and I was remodeling my bathroom that was what that money was for. He told me not to worry They will put the money back in my account. He told me it would take around two weeks. He also told me that this is happening to his bank a lot right now and not to worry about it. Two weeks came and went and no Money. I called back and the person I contacted told me I had to file a police report. I called the XXXX Police and told them my identity and savings account info was being use. Two more weeks went by and no money. I called the XXXX police department and they told me that US bank would not work with them. I had to file the report with the police from XXXX XXXX IA. I contacted the police in IA. The police officer took my info and started a new case. I contacted US bank and they gave me a web site to send my info to get my money back. XXXX. I tried to access the web site to finally get my money back. This site leads me to an unrelated site that is not helping me. I had to put my entire vacation and bathroom remodel on my credit card and put me over my limit. I'm a union carpenter this drain in my account forced me to take a job out of my area. I had to drive over a XXXX miles a day so I would be able to pay my bills. This has cost me a lot more then {$6300.00} dollars. I think I should be compensated for the strain this has put on me and my family. The sad part is that the thief never had my account info they simply used a fake ID to cash two checks in my name and the bank simply took the money out of my savings to correct their mistake. The very nice police office that has been helping me with my case is XXXX XXXX
Product: Mortgage

We have been attempting to resolve an error made by our loan servicer for weeks and have not received any of the promised call backs nor have any of the issues been resolved. Ocwen incorrectly calculated our escrow by adding an additional " special district tax '' to their calculations that did not exist and was a duplicate of our normal county taxes. We called them on or about XXXX XXXX, 2015 to inform them of the error and were told that the correction would take approximately XXXX days and that the tax amounts would be updated, a new escrow analysis run so we would know what the correct amount to pay would be for our XXXX payment. We called Ocwen back on Friday and learned that the tax amounts had not been updated nor had the new escrow analysis been run. They advised they would escalate the request and it should be resolved with in XXXX days and they would call us back. We called back back after XXXX days because we had not received their call back again and found out the tax amounts had been updated but the escrow analysis still had not been run. We were assured the analysis would be run and made effective for the XXXX XXXX, 2015 payment and that they would call us back to let us know it had been completed. Again we did not receive a call back. We called today to find out the new analysis had been run, but was not effective until the XXXX payment. We paid {$1200.00} in XXXX for the XXXX payment. Due to Ocwen 's error in recording our tax data, and inaccurate escrow analysis, the amount we paid in XXXX for the XXXX XXXX payment was applied entirely to principal instead of as the regular principal and interest payment. We have scheduled a payment for XXXX for {$300.00} more than the normal amount to ensure there is no negative credit reporting due to the multiple errors committed by Ocwen. Today the advised us they could not correct the escrow without sending yet another request to another area because of the time, XXXX eastern, and that " not much got done on Fridays '', but they again assured me they would call us back, although they 've failed to meet that commitment the last XXXX times. In short they 've miscalculated our taxes, run an improper or incorrect escrow analysis, misapplied our payment, and I believe violated RESPA as well as multiple fair and responsible servicing standards. We are now being financially harmed by Ocwen because we are being forced to pay more than we owe for our monthly mortgage payment and they have shown no urgency in resolving the issue although we 've given them multiple chances and ample time to correct the problem
Product: Student loan

Nelnet -- # 1 -- Can not contact to ask questions about how my loans are being handled. Even when I am able to contact the rep is not able to answer the questions. Most times I am on hold for XXXX minutes and the system times out and hangs up on me while I am on hold. 
# 2 -- When trying to contact yesterday the phone number listed for Customer Service on the Nelnet website directed me to a Marketing Company promoting a {$100.00} gift card if I allowed them to mail me information. I told the Rep I WAS NOT interested in a gift card. 
The Rep to could offer no information or a number to talk to Nelnet about questions on my account. 
# 3 -- I have 16 loans on XXXX children now being serviced by Nelnet. They pay their own and i have their bank accounts on the payment website. Upon review of the payments that have been made all amounts are being credited to satisfy accrued interest and {$0.00} are being applied to the principal. Five of the loans are for my son who previously paid for 6 years through Fedloan.gov and had satisfied most of the interest and was starting to pay on the principal of his loans. It appears NONE of the history of payments was ever transferred from Fedloan.gov to Nelnet. 
# 4 -- Upon on review of the info on Nelnet about interest I found the statement that bluntly indicated " If you want any of your payments to go toward the principal of the loan, the only way to make that happen was to pay OVER the minimum amount due ''. 

I have been in contact with Nelnet and Fedloan.gov throughout the time when the loans were in Forebearance and my family is paying and HAS ALWAYS paid their loan payments on time. If our governing officials believe that this is the way to help people out, they are sorely mistaken. This system is broken in many ways. I have attempted to contact several organizations, including congressmen/women and even my state reps and GUESS WHAT -- all emails have bounced and phones disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter lately requesting that you re-investigate the wrong and incorrect entries in my file, but that does not resolve my issue. The items are still showing up on my credit record, and it's making it difficult for me to obtain fresh credit as a result.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX transactions were made through a ATM that I never did. I have called the XXXX department of Bank of America but they refused to refund my money that I thought it was secure with them. The bank response is that it was my card the one that was used when I never used those locations. Today they told me my case is closed and they are keeping the money that we worked so hard to get.
Product: Credit card or prepaid card

Re : Synchrony Bank XXXX XXXX XXXX Around XX/XX/XXXX, my husband and I paid down nearly all of our cards. My credit limit from my XXXX XXXX XXXX was {$800.00}, and I applied {$600.00} to that balance. It had a wonderful impact on our credit reports. Mine was closing in on XXXX. Fabulous! So we decided to refinance our mortgage and started that process. 

On XX/XX/XXXX, Synchrony Bank claims they received negative data from the credit bureau ( not true ) which led them to slam my limit down to just over {$200.00}. **That put my utilization with them at 97 % and caused a 40 point drop on my FICO score. ** I have had that account almost 4 years. I have a flawless payment history with them. In fact, I have flawless payment histories with all of my revolving credit accounts, mortgage, and car notes. 

When I contacted Synchrony they could not have been more cavalier. They gave me the runaround, every time I asked to speak with someone in senior management they would just transfer me to another person on their same peer level. I begged with them because tomorrow our mortgage company is pulling the final copy of our credit bureaus as that final check before completing the refinance. I got absolutely nowhere. 

They said that the only thing that they could do was open an investigation which would take 30 to 60 days to complete. But that I would have to file a dispute with the credit bureau. That doesnt make sense, because the decision was made by Synchrony. Whatever information they claim to have received from the credit bureau was in accurately reviewed on Synchronys part. -By their algorithm or whatever they use. Im sure its an automated system. 

My request that they rectify this manually, fell on deaf ears. Their error is going to cost my husband and I a much needed re-finance on our mortgage. I can not believe that we have worked this hard to rebuild our credit and establish years of excellent payment history only to have a corporate error stand in our way. 

Im not requesting the credit allowance be reinstated because I just want to go shopping. I want to maintain my responsible credit utilization ratio. 

I deeply hope you are able to help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX ; Inquiry Date XX/XX/XXXX -DISCOVER FINANCIAL SER ; Inquiry Date XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2022 someone from XXXXXXXX XXXX XXXX used my details in order to apply for cellphone contract on my behalf On XXXX XXXX 2022 I ask the guy from dealer shop to check for in my credit report if I qualify for car finance, the guy used my details and apply while I was not aware of it, when I check my credit report I have an enquiry Both XXXX XX/XX/2022 XXXX XXXX and XXXX