23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a VOM ( Verification of Mortgage ) Letter as I had requested from Summit Funding. When I received the VOM it reflected that my account had been paid 30 days late 6 times within the most recent 12 months. 

On XXXX XXXX I entered a final loan modification agreement with Summit Funding. Since this time and during my trial period before, I have not missed a single payment and my account has never gone over 30 days late. 

On XX/XX/XXXX I called Summit Funding and spoke with a representative who reviewed my account and agreed that my payments had never been over 30 days late since the completion of my loan modification. She also agreed to send me out a corrected VOM reflecting a payment history showing 0X30 late within the most recent 12 months. 

Yesterday morning I received an automated email from Summit Funding dated XX/XX/XXXX at XXXXXXXX XXXX showing 11 X30 late within the most recent 12 months, then I received a 2nd automated email from Summit Funding dated XX/XX/XXXX at XXXX showing 4 X30 late within the most recent 12 months. 

There is obviously a major issue happening with this company 's credit and mortgage payment reporting since my account has never been paid paid since the completion of my loan modification that happened XX/XX/XXXX. 

Attached is supporting documentation verifying my payment history within the most recent 12 months reflecting no payments were made >30 days late. 

XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX I am highly upset with Summit Funding as the representative also offered to forward the VOM directly to a 3rd party lender which would have had horrible consequences considering the information they have provided is incorrect and does reflect my true payment history. 

I feel this is a direct violation of the Fair Credit Reporting Act and should not be tolerated. Summit Funding needs to be held accountable for their actions as this would have resulted in a huge defamation of character and would have prevented me from obtaining the loan that I am seeking from the other lender.

To date, I still have not received a corrected VOM from Summit Funding reflecting my actual payment history of 0X30 late within the most recent 12 months. 

Please see attached and advise at your earliest convenience. 

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

My payment history with XXXX XXXX XXXX Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), Acc # XXXX ( transunion ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.
Product: Credit card

My track record on this account demonstrates a consistent effort to ensure that payments are made promptly, without any occurrences of overdue payments. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Product: Debt collection

I do not know specifics of amounts but I wish to have this wrong debt collection off my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX), A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la),I HAVE NEVER FILED FOR BANKRUPTCY NOT SURE HOW THIS INFORMATION BECAME ATTACHED TO MY FILE BUT IT IS WRONG. THOSE OTHER ITEMS LISTED ARE ON MY REPORT AS A RESULT OF ID THEFT SO I AM ASSUMING THIS BANKRUPTCY IS A PART OF ALL THAT.
Product: Credit reporting or other personal consumer reports

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan EARLY!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency.

Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information.

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt.

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Product: Checking or savings account

On various occasions, where and overdrive fee or a overdrive protection fee should have been placed on my account.It was not and I was either left to pay for the non sufficient fees.When I know that I have overdrive protection on my account.Or I was either declined a payment transaction at the time of sales. This happened more than a half dozen times over the past two years and several other times in years prior.
Product: Debt collection

Portfolio Recovery has contacted me several times on a collection they didn't validate within 30 days, claiming to be mines. I have no contract with Portfolio Recovery for anything and I would like this negative information removed from all of my credit reports, this is affecting my score terribly.
Product: Credit reporting or other personal consumer reports

Experian is reporting a company on my credit report has delinquent thats not accurate The Account do not belongs to me..
Product: Student loan

Payment was made to student loan on XXXXXXXX  and was not applied to loan Called Loan service provider was placed on hold for 6 hours 2 times and no resolution ; Effective Date Posted Date Amount Applied to Principal Applied to Interest Confirmation Number XX/XX/XXXX XXXX  {$3500.00} {$3500.00} {$0.00} XXXX XXXX XXXX {$3500.00} {$3500.00} {$0.00} N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone using my name getting a lot of credit cards like 7 credit cards with XXXX XXXX and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do
Product: Credit card

I received a text message from Bank of America on XX/XX/year> at XXXX PST that reported a charge was created on my credit card amounting in {$480.00} for XXXX  XXXX XXXX I did not recognize the transaction and immediately called Bank of America 's fraud department. They sent me a new credit card and I believed everything was resolved. Unfortunately, they messaged me that they would not approve my claim on XX/XX/year>. I resubmitted the claim again as someone on Bank of America 's customer service told me I could submit evidence. However, I was unable to submit my evidence as Bank of America never asked for evidence and there is no way to submit evidence without a prompt from Bank of America. They once again denied my claim on XX/XX/year> without doing a thorough job evaluating my claim. 

During all of this, I had been in contact with the vendor as well as XXXX. The vendor was unhelpful and basically told me the item had been shipped and they could do nothing and that I should just return the item once I received it. However, I never even received the item that was fraudulently purchased. I contacted XXXX to let them know their proof of delivery was falsified as my name was incorrect on the document and that my home security system did not detect a delivery truck on the supposed date/time of delivery. XXXX told me to contact the vendor, who told me to contact Bank of America and do a chargeback. 

Out of options, I filed a chargeback against the transaction as I technically did not receive the item. My original attempt as charging it correctly as fraud was denied by Bank of America. I filed a new claim on XX/XX/year> for not receiving the item. I finally received a message from Bank of America on XX/XX/year> asking for copies of evidence. I drafted a letter and included screenshots from my emails with XXXX XXXX XXXX my correspondence with XXXX, captures from my home security footage, a police report, and my complaint against XXXXXXXX XXXX XXXX on the XXXX XXXX XXXX. I did not receive any communication with Bank of America until XX/XX/year> when they asked for the same documents again. I am quite frustrated as I had already included all the documents and 1.5 months had passed without any action. It has been over 3 months since my first initial fraud claim and the charge is still on my credit card statement.
Product: Credit card or prepaid card

Synchrony Bank allowed XXXXXXXX XXXX XXXX XXXX to activate an account without the consent or knowledge of the applicants. Synchrony has denied two fraud claims, but has recently reopened the investigation. Synchrony Bank allowed a representative from the merchant to activate the account. Three days after activating the account Synchrony Bank allowed the merchant to withdrawn the entire balance of the credit account without consent or knowledge of the applicants. Sychrony Bank representatives have acknowledged that the account was activated by the merchant, from the merchants office, and without speaking to either applicant. Synchrony Bank has a fraud liabilty policy and an obligation to protect the consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LexisNexis, XXXX, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, LexisNexis, XXXX, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Product: Credit reporting or other personal consumer reports

Equifax, Please see below and attached - there are 3 unauthorized hard credit inquiries on my account due to fraud that need to be removed. 

Per my conversation with XXXX here is what this person said to do- and I did - these are my notes of the call : Spoke to XXXX  at Equifax on XX/XX/2023 at XXXXXXXX XXXX PST He said the reason they arent removing it was for the same reason XXXX gave me on Wednesday. There is an error in the FTC report. Since you can not file a new report they are saying I have to edit the report and resubmit it in the way of a dispute on one of the inquires. 

The error : On the FTC report it says that there was an unauthorized attempt to open a credit card. They say that that part needs to be blank with no company name. It just needs to state the inquires are fraudulent and need to be removed. You can include all 3 inquires in the report. And you to upload the edited FTC report as a dispute on one of the hard inquiries we want removed. 

XXXX  submitted a complaint to the special handling team to over ride the error on the FTC report considering the FTC report still states the inquires are fraudulent and the fact that I have submitted all the necessary documents. He requested the inquires to be removed. Confirmation number for the complaint filed today is : Confirmation : XXXX He said if they arent off in 3 days to call back but he highly recommends trying to do what they ask and edit the FTC report and resubmit it as a dispute on one of the hard inquiries we want removed. 

There are notes in my file about the error in the FTC report so now everyone I talk to is quoting the error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal.

ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based 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 results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers 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 's 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 these accounts IMMEDIATELY!! 

I XXXX XXXX DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Product: Credit card

I was on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX  on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.
Product: Debt collection

Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid.    XXXX   XXXX   XXXX   t hrough the creditor  XXXX  has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in  XXXX , particularly in  XXXX  of  XXXX . The latest letter i received from them was on   XXXX   XXXX   XXXX  .     I already paid this debt before to  XXXX  before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report?     I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my  credit score.      Not only that but I have attached pics  of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all   XXXX   credit agencies  (   XXXX ,  XXXX , and  XXXX   ).  If this can be done it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617.  I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, COMMONWEALTH FINANCIAL {$890.00}
Product: Credit reporting or other personal consumer reports

In XXXX I approach XXXX rentals and bought an equipment cash for {$4500.00} then I needed a next one so I approached them to buy an equipment for more money {$6500.00}. The salesman XXXX XXXX sent me over to their financing department and we got a call from XXXX salesman XXXX XXXX in which we were emailing back and forth and gave him my companys information to finance a lift on behalf of my company. I gave XXXX rentals a down payment on the lift then XXXX texted and email confirming financing then all of a sudden time payment is sending me a contract saying Im in a lease with Time payment for a 21 month lease and I said no thats not right I never been in business with time payment and I did not sign no lease and the information they are sending has the wrong initials and wrong name. They went in my bank account to collect payment and I disputed it and put a stop payment. Now fast forward to XXXX they reported a late payment on my credit of being 30 days late and I disputed it. This is a bad deal they are saying I owe {$10000.00} for an equipment which had a balance of {$5700.00} based on what I put a down payment on. This doesnt make any sense and I want the authorities to intervene