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

My account with XXXX XXXX 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! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX and XXXX XXXX XXXX. & the places I have cards or accounts thru, I have places like ally, XXXX XXXX  and gXXXX XXXX  services just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or XXXX. 


There is a collection on XXXX for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with TransUnion. It is now XX/XX/XXXX and TransUnion has still not completed the investigation nor will they allow me to dispute anything else on my credit report. In fact, the TransUnion website states the investigation will not be completed until XX/XX/XXXX. This going on 3 month investigation has greatly affected my credit score as I have a school lender reporting inaccurate information on my credit report. By TransUnion refusing to allow me to dispute anything else on my credit report, they have directly caused my report to drop by over 150 points. In addition, TransUnion is adding additional accounts and keeping old accounts open under the SAME LENDER despite having only 1 account that I can not dispute for the reasons stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.
Product: Credit card or prepaid card

I ordered a pair of jeans from XXXX and returned them. The company refunded the amount of the jeans but continued to charge a monthly fee. I sent an e-mail requesting this account to be closed 3 months ago. The company continues to charge fees and reported to the credit bureau that I was 90 days delinquent. I have written a complaint to the company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX. This account is still open and reporting a delinquency to the credit bureaus.
Product: Debt collection

I ordered a teeth alignment service from XXXX XXXX XXXX, but before my treatment was finalized, the company went bankrupt, and I never received the product. Despite this, their financing company, Healthcare Finance, has continued to bill me. 

I have reached out multiple timesboth through messages and phone callsproviding clear documentation from XXXX XXXX XXXX confirming that I did not receive the service. However, Healthcare Finance has ignored my dispute and proceeded to file my account with XXXX XXXX 

I have since submitted a dispute with XXXX XXXX including the same documentation from XXXX XXXX XXXX, but they have also failed to acknowledge my claim. 

I refuse to pay for a service I never received, and I expect this matter to be resolved appropriately.
Product: Mortgage

We began working with XXXX XXXXXXXX XXXX XXXX getting our FHA loan started in XX/XX/2021. 
On XX/XX/2021 the underwriting process began and we submitted all of our documents that New Rez, LLC and XXXX XXXX XXXX XXXX requested. 

On XX/XX/2021 we communicated via email to XXXX  inquiring when the appraisal would take place because our banking information had already been taken. 
On XX/XX/XXXX we were told the appraisal had been ordered through XXXX XXXX  by XXXX. 

On XX/XX/2021 the XXXX XXXX transaction was processed from our account. 

We were scheduled to close on XX/XX/2021 per the sellers request. 

Since all necessary requests from New Rez, LLC had been submitted there was no doubt in our mind that we would be off schedule. 

On XX/XX/2021 we received email correspondence from XXXX XXXX that the appraisal had been scheduled and provided the appraisers information. 

Since this time we found out that the original request on XX/XX/XXXX had actually been CANCELED after I personally called to see why there was a delay. 

The appraiser told us the earliest he could schedule it was XX/XX/2021. 4 days AFTER we were scheduled to close. 
Since we were in a rental home and we had fully prepared to move on the XXXX now we were officially to vacate the home by the XXXX. 

Our entire household belongings have currently been sitting in a XXXX Truck since XX/XX/XXXX that we are STILL paying for because as of right now, XX/XX/2021, we still have not closed on this home. 

We have had so many delays with New Rez LLC, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX attention details. Each minute is costing us money in interest, XXXX  fees, and emotional distress from not having our home. We have been fortunate to have family close by let us stay because paying for a hotel would not be possible. 

We will NEVER use these companies again for anything.
Product: Credit card

When paying my Apple Card ( provided by Goldman Sachs via XXXX Bank ), I use the App provided by Apple Card. The App tells you EXACTLY how much needs to be paid by XXXX PM by the last day of the month to avoid interest. On XX/XX/XXXX. 2024 I paid my account balance IN FULL in the amount XXXX, EXACTLY as instructed by the App. Despite paying exactly what the App stated need to be paid, I was charged interest on XX/XX/XXXX. 2024 in the amount of {$70.00}. This is PREDATORY lending and dishonest/misleading information being intentionally provided by the App.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to Experian XXXX and XXXX XXXX and still the report shows my account as closed, lowering my credit score. 

Both Experian and XXXX XXXX  are reporting false information and I want this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was notified that a hard inquiry had been placed on my credit report by XXXX. I had not submitted an application or had any contact with XXXX. 

On XX/XX/2018, I notified XXXX that I had not applied for a card and they closed the account and sent me fraud protection materials. 

On XX/XX/2018, I attempted to contact Experian to dispute the inquiry on my report. Experian 's website informed me that I could not submit the dispute online and directed me to call XXXX to submit the dispute by phone. That number reached an automated service that did not provide an option to submit a dispute. Every other number that I could find to contact Experian routed me to the same automated service.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under XXXX5 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX XXXX  | ACCOUNT # : XXXX | {$0.00}
Product: Debt collection

I was checking my credit report because I received an alert stating a collection was placed on my report. I don't know who this company is or why they reported debt to my credit. I haven't received anything from this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Experian my written consent to do so. Experian is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Experian please send me a copy of the letter that I handwritten and gave you, my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX Equifax ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; Opened : XX/XX/XXXX ( XXXX  & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX
Product: Money transfers

I wanted to buy an account for a PC online game. The person who ' selling ( a guy and a girl ) scammed me and deleted me from XXXX. They promised to change the mail of the given account and after I sent the money they did n't change it. I waited days and days for their reply on the email situation but then they deleted me. They can take the account back whenever they want because they have the mail. Please help me.
Product: Student loan

In XX/XX/XXXX I received a notice from MOHELA my loan servicer. It stated that because they had billed for payments that werent due I could either choose to have those payments applied to my account or to have the over payments refunded. On XX/XX/XXXX I contacted MOHELA and let them know I would like the payments refunded. There was a payment of {$300.00} and a payment of {$470.00}. The representative I spoke with stated she would process my refund. As of XX/XX/XXXX I still had not received a refund so I reached back out. Not only has the refund not been processed but the first person could not assist me stating I needed to speak to an advanced representative. A normal rep helped me the first time so why couldnt she just make it right??? I had already waited nearly two hours to speak to her for only 5 minutes before being transferred yet again to some advanced representative. I have have been on hold for nearly two hours again and have spoken with no one who can assist me. MOHELA is beyond awful to deal with. They are disorganized and inefficient and I am wasting my time with them each time I need assistance. I am owed nearly {$800.00} and that is a lot of money to be waiting nearly 3 months for only to find out that nothing has been done. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted Synchrony Bank to request for them to remove wrongful late payments that have been reported unfairly on my credit report. I explained to them that I had been working hard to fix my credit and paid a lot of money to Get my scores up and having them report a late payment on my credit report affected my credit by over 60 points. It Also ruined my chances of a better job. They have refused to do anything about the matter. I made them aware that the account was paid on time and in full before the reporting late dates. I requested a letter stating that there was not a late payment in the month of XXXX since the account was paid off in full before reporting dates and they refused to assist me with that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXK : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I email the company to revoke my ACH payment for the XXXX XXXX. In the contract it states that I have to call or email 3 or more days before the payment is due. On XXXX XXXX I called at XXXX XXXX. to make a payment from my debit card but to realized that they have already ACH my account already. I informed them that I email them and they told me that they didn't receive any email from me. About XXXX. I received an email from them about revoke the XXXX payment and which I replied to showing where I emailed on XX/XX/XXXX. They still insist that I didn't email them and they I had the wrong email address, but I replied to the email that they the sent me to show where I email them on XX/XX/XXXX. I told them I wanted them to refund me that payment because I followed what the contract said to do and they breached the contract. They have refused to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU XXXX XXXX HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the XXXX XXXX? 

Did you file any of the following debts on XXXX taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income XXXX is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes. 

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income. 

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity. 
15 USC 1681s2 : Says you XXXX are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.