23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain higher credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comfirmation Number # XXXX I will like for your company to send me documentary evidence on the people your company did interviews on send to the above address. 

Pursuant to the FCRA Fair Credit Reporting Act 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

On XX/XX/24 citibank sent me an email that my account is blocked due to suspicios activity and that i need to contact them to fix the issue. I called and then they said that my account is under review for closure without any reason and that i should be receiving a letter in the mail and my money that i have in my checking account which is {$20000.00}. 

I've been calling for the last weeks and they keep saying that it can take XXXX days to close the account and for me to receive my {$20000.00} in check that i have to wait. Its already XX/XX/24 and i need my money i have went to the branch to obtain my funds, they said i have to wait XXXX days to get my money without any reason or letter. 

I.m a XXXX patient and i need the money for my treatment, nobody responds my emails please help
Product: Checking or savings account

My Wells Fargo account was hacked which I made a call about and they told me that they would refund me. So I sent my irs check to that account cause I thought it was okay, they ended up taking XXXX $ out of my account when the check hit cause it was overdraft from the hack. It showed I had an available amount and I was only using my card cause that. They told me the irs check didnt hit till my account closed because the overdraft like 3 days later, even though it showed available. My card has never been able to access money without it being available. Even if so still an issue on their end, I should see an accurate number for availability on their app. So they closed my account took all of my irs check because they didnt solve the issue correctly and blamed me. They use my money to close the account without any warning or call and my account was fine the day before. I have called so many times and I also have went in and they keep putting the blaming on me for my account being hacked. I am a poor college student and Im trying to graduate right now, that money from irs was my only money I had and I cant afford to eat or buy anything I need. They wan na refund me XXXX $ for one of the overdraft when they should do all them cause they werent me.. this has caused me distress and anxiety and I feel like no one is advocating against this or for me and Wells Fargo was really unhelpful and unkind. When I went in the lady tried to scolded me about what Ive spent money on, it was unprofessional and she also was blaming me. Young people need to be listened to, too. I have no one else to come in with me and help and its really unfair and unfortunate that Wells Fargo thinks its okay to take advantage of me because Im young and my money. They also keep blaming me for the overdraft fees even though I called and they told me I must of talked to someone that was a scammer. Which I feel would mean I need more support by them, but they stole my money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX 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 XXXXXXXX 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

On my credit report, it shows closed as of XX/XX/year>. I requested the 1099C because it shows charged off, and it's been a year, and I have yet to receive it.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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

About XXXX XXXX, I was contacted by Credit Acceptance to collect a debt from me totaling {$9900.00}. The agent stated to me that he was an employee of the collections department of Credit Acceptance, as they do all of their debt collecting in-house. Then then stated that the company was willing to settle on the debt for {$3900.00}. I told him that if he could give me until the first of the year, I would definitely be willing to pay that amount. He responded that was doable as long as I paid {$100.00} before XX/XX/2019, to lock in the settlement. I asked him specifically, if I paid this, would the company would be willing to delete this discrepancy from my credit report and he responded yes. So, asked if I could have in writing these terms and he said that he would be sending them via postal services. 
No more than 1 week later, I received the letter, however, it didn't reflect the information that the account would be deleted from my credit as promised once payments were satisfied. 

I called back to Credit Acceptance and explained the situation and what I was expecting. This time, I spoke to his alleged supervisor for his department and she informed me that the gentleman didn't give me true Information, as deleting the account was not something that could be accomplished. 
So, at this point, I was told one thing by one employee and then something completely different by another employee of the same company and same department.
Product: Credit reporting or other personal consumer reports

I first noticed on XX/XX/year> that my Equifax account was unavaiable and unable to be pulled by me or by lenders- even when unfrozen. 

Equifax has claimed multiple times they've fixed the error but I have proof that it's still not fixed and their customer service refuses to update my report, consolidate any multiple files or fix whatever is wrong with their software.
Product: Mortgage

I am being sued by XXXX XXXX for failure to pay taxes in XXXX ; and in XXXX. My bank, M & T Bank has escrow to pay taxes and insurance. It appears that M & T Bank has failed to make the tax payments.
Product: Student loan

I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

They continue to say XXXX and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means XXXX nexis XXXX and Experian are all liars and providing false information I have provided letters from the court and XXXX that the information is not verifiable please resolve now
Product: Debt collection

XX/XX/XXXX 12 times with in XXXX min. 
XX/XX/XXXX 11 times between XXXX XXXX to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX 11 times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to XXXX times a day. 
The name of the company is Portfolio Recovery and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX  call protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -  XXXX   XXXX   Ran a credit report for myself. Buying a house. We noticed that Chase card services has reported a late payment on my account. The missed payment was their fault or the fault of my bank ( FirstBank ) that they contracted the ebill service with. The event occurred in   XXXX   XXXX  . A payment " due date '' was missed, because they did not send an e-bill to my bank, and thus it was not automatically paid as usual. A series of phone calls from unknown numbers, at strange times of day began, where no one left a message. I was finally available to answer one, spoke to the person on the other end who was apparently an agent of chase, and was completely unaware of the missed payment until that point. I made up the missed payment right there on the spot, and the account has been current since, and it was current for at least 5 years prior to that. Never late, once, never, ever. Now we manually make every payment out of fear that something like this will occur again. Chase made a mistake. They changed something that prevented the ebill, and did n't notify us in an electronic manner that anything was late or missed. The account was current, and I 'd assumed all was good at that point.
 XXXX - XXXX  Ran a credit report again. See they have reported this event as my fault to the credit reporting agencies. This demerit mark on my account history has potential to cause future problems, so I submit a dispute to get the incorrect negative information removed.   XXXX   was the only company who I was able to do so.   XXXX    I tried to submit a dispute and the web page code was broken.   XXXX    I could not even find out where to dispute it. Once you close the web page it is gone forever.
 XX/XX/XXXX  I receive a notice from  XXXX  that the item in question was " updated '' as a result of my dispute. I look at the " updated '' report today, and I see the " 30 days '' item remains. From looking at this report, I ca n't tell what was updated, and I have concerns that something was made further negative. It is of concern that they ca n't just tell me the exact action that was taken, even if the action was " no action ''. I have to assume " no action '' based on what I see, so I 'm escalating this complaint.
My complaint is primarily against chase card services. Also  XXXX ,  XXXX , and  XXXX  provided no tools to incite the proper correction
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states under 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Mortgage

Good afternoon, I've had issues with my loan company, everything was going good, until a day before the notary came to our house, I was misinformed and rushed into signing the final documents. I received Closing Disclosure on XX/XX/2022 reflecting my mortgage payment of {$4100.00} with cash to close of {$3700.00}, a few hours before the notary came to our our home the Loan Officer asked me to download the new and latest Closing Disclosure so we can sign immediately, I looked over the final documents and I was just shocked the way the loan officer misinformed us and forced us to sign if not we lose everything. The new documents stated new mortgage payment of {$4500.00} and cash to close increased to {$8200.00}, I asked why it went up and he said it's because of the property taxes. He then stated he will place an " artificial place holder '' in order to close, he then stated once we receive the new taxes in the mail our payment will drop down to $ XXXX. The loan company made an analysis and now our mortgage payment has increased to {$4600.00}. My husband and I have been misinformed, lied to, and pressured to sign if not I lose everything. 

I will provide every email and correspondence from the loan officer and his supervisor upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  and someone stole my card and used it and my identity
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I mailed out a letter to XXXX XXXX asking for a correction of error. I was requesting that XXXXXXXX XXXX provide documentation that this account belongs to me. The package was received by XXXX XXXX on XXXX XXXX XXXX. There was no response from XXXX XXXX 

On XXXX XXXX XXXX, I sent Transunion a letter requesting that the XXXX XXXX account be removed from their database. As of today XXXX XXXX XXXX XXXX XXXX  account remains in the Transunion database a clear violation of the FCRA. 

I was told by a Transunion representative that the XXXX account had been verified. How so if I received nothing in the mail validating the debt from XXXXXXXX XXXX? How is the account verified by Transunion without XXXXXXXX XXXX providing a time stamp or return receipt of the validated debt sent to me within 30 days? 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 

I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Also, I noticed that XXXXXXXX XXXX has reported the account to multiple credit bureaus with different account " Open Dates ''. A FCRA violation, ( proof included )
Product: Debt collection

Amazon send a cancellation of debt form last year saying that the debt I owed was discharged at that time the charges off balance was {$1600.00}. They sent me a 1099-C tax form also saying the debt was cancelled. Then I was disputing the way they reported with the credit bureaus they changed it saying that now I owe {$2100.00}, instead of my account being forgiven of the debt, that also made my credit score lowered by over 20 points. I have file 2 disputes with XXXX  and no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

XXXX lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, Equifax, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX  XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

XXXX of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?