23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXXXXXX XXXX XXXX This account appears been opened online none of information matches mine
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote to Experian regarding 5 accounts that they are reporting inaccurate information on. They did not respond nor did they conduct an investigation. I followed up with another letter on XX/XX/XXXX, and they still have not corrected these 5 accounts or started an investigation.

All 5 accounts have an inaccurate payment status which is an FCRA Violation. 

Ive included the 2 previous letters and a copy of all 5 accounts with the errors highlighted
Product: Credit reporting or other personal consumer reports

Verified data not updated. Credit Reporting Agencies unable to verify data due to voluntary credit freeze of XXXX XXXX.
Product: Debt collection

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. I.C. SYSTEM INC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Product: Debt collection

I opened an account with XXXX XXXX Bank in 2022. I requested a loan for ( I believe ) {$5000.00}. I do not remember specific dates, but I do remember on Friday I was approved for a loan, by the time I came to fill out the paperwork on Monday, I was denied. This completely screwed me over as this loan was going to help finish paying off my wedding which put me in a tight predicament. 

I had {$2.00} in my account. XXXX XXXX decided to let my account be charged multiple times from multiple different places until my account was - {$870.00}. And now they are saying I owe them. If I didn't have the money in my account, I'm not understanding why they were letting charges come through and for so much. Now I'm at fault and am being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.
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 XXXX. 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 XXXX XXXX XXXX. 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 XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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: Consumer Loan

Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.
Product: Debt collection

I never applied for anything since my bankruptcy in XXXX its XXXX and my scores is still where it was doing bankruptcy XXXX  XXXX XXXX  and XXXX  failure to give me a signature recording or document for these action and Im trying to get back on my feet with this delay. XXXX has me with a XXXX score with the same issues with XXXX and XXXX XXXX and XXXX XXXX  from XXXX. Please fix this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

tried multiple times, credit repair companies. Will not fix. Wells fargo does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. Wells Fargo has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Product: Debt collection

In XX/XX/2017 I visited an emergency center for a XXXX XXXX. When walking in I was told my charge would be {$250.00} for them to look at my XXXX. As I was getting ready to see the Dr. ( the  place was new and completely empty ) the receptionist asked If I had insurance which I said I did but would pay on my own knowing the price. She ( the reception lady ) said give me your card and we'll run it through your insurance. After giving her my card they took me to a room where the nurse took my blood pressure and temperature. She walked out, then the Dr walked in, asked me what was wrong so I told him. He wrote me a prescription for pain and walked out without another word. I left! Then several weeks later I get a bill saying that the insurance company would only pay around {$250.00} and that I was responsible for $ 1000+. Infuriated because I was told originally the fee was {$250.00} I called the company that owned the medical facility and was told that I was now responsible for the remainder. This is a scam and I've heard the Attorney General in Texas, where I was living, has been alerted to behaviour such as this and were investigating. 
I said two words to the Dr. who was in my room for not more than 2 minutes, he did nothing, my insurance paid the medical company around {$300.00} and I'm getting stuck with the scam! This can be referred to as nothing other than a scam because I was at the beginning told the fee was {$250.00} and now the collector is attempting to rip me off instead of the insurance company. This needs to stop! Please stand up for me and others who are being taken advantage of, please stop this scam!
Product: Mortgage

Applied for Discover XXXX XXXX back on XX/XX/XXXX. I felt that it was a good time with credit scores of XXXX. I had been researching options for a few months before choosing Discover. 

After starting the process I begin to get the requested paperwork in order. Two items that I couldn't supply was a bank statement with {$7400.00} and XXXX tax returns. The funds were available in my XXXX statement but not XXXX. I transferred funds to the account to meet the request but was told it needed to be on a statement. I asked if I could supply proof from a business I owned but was told it had to have my name on the statement not the business, I told them I couldn't supply until XX/XX/XXXX when the statement closed. There was an extension on filling my XXXX taxes which explanation was provided. They told me to supply XXXX & XXXX taxes which I did. 

Once I received the statement showing three times more than they required ; also provided a paid in full letter for a loan in good standing which I felt showed responsibility and preparation to accept a larger loan with smaller payment. 

On XX/XX/XXXX I received email that I was denied, which stated I could call for explanation. 
During talking to the officer he stated, 1 ) That I needed to have 2 months with the funds in my account, which I was only told to have the {$7400.00} in the account. 2 ) He also said not having overtime on my W2 check stubs, which shows XXXX earnings YTD. 3 ) That my XXXX was to high, which I know is not accurate. 4 ) My business took a loss per my tax returns, which I provided a P & L statement for XXXX showing a profit. I did not understand this considering they wouldn't let me use statements to help me but are using the taxes against me. Other things had been mentioned also. 5 ) For the PIF they needed to show funds in the bank account, which this personal loan was used to strategically boost my business in XXXX. My business has been paying this loan since I received the funds which showed in the XXXX & XXXX statement for XXXX and if allowed in the business bank statements. The business paid off the loan in full. 

Personally I did not understand and waited to receive the denial letter for explanation. None of the information received over the phone was included in the letter to prompt this complaint. I would like the method used to make this decision to be investigated. No option was offered as it stated on their website. Wasn't asked if I wanted to add my wife on which is more income.
Product: Student loan

I took out a loan and started paying XXXX XXXX, then it switched to Navient, I have been paying extra here and there but my balance does n't seem to be going down, it 's like my payments are n't making a difference, I should be done paying it, but it 's not decreasing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request arbitration regarding inaccurate credit reporting on my consumer credit report. These inaccuracies are in direct violation of 15 USC 1681 ( Fair Credit Reporting Act ) due to the misrepresentation of credit limits and the subsequent non-compliance by your bureau in handling this matter. 

The following creditors and account numbers have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i attached the credit report with highlighted inaccurate misrepresentation of credit limits
Product: Credit reporting

TransUnion , LLC reported to me in a letter of XXXX XXXX, XX/XX/2015 that they responded to an an " Employment Disclosure Report '' request from XXXX for a job position I applied to. They reported as a Public Record Information that a XXXX was entered against me XXXX in a XXXX Court ( does n't say where or what State ) under Docket # : XXXX by XXXX in the amount of $ XXXXThis information is totally incorrect and false. 
I have never been sued or had a judgment against me. This is someone else 's information. I will state if " their incorrectly reported information '' costs me this job opportunity, I will be suing TransUnion , LLC myself in a XXXX Court of law for damages.
Product: Debt collection

LVNV Funding is holding onto a debt that was discharged in bankruptcy. Amount is {$140.00}. I have provided information and it even shows on my credit report where it was discharged in bankruptcy. They refuse to remove this. XXXX sold the debt to them but they even show a discharge.

I have filed 3 disputes on my credit, my attorney has contacted them and has stated they have had issues from this company. 

Lvnv funding XXXX
Product: Debt collection

Convergent Outsourcing is reporting a debt and now reporting paid in full that I did not owe them. I had no contract with them and no obligation to pay them. I owed XXXX and paid the debt owed of {$450.00} on XX/XX/2019 to XXXX directly. I have attempted on several occasions to get Convergent to not report and all have been failed attempts. I would like for their reporting on XXXX and XXXX  to be deleted immediately.
Product: Checking or savings account

Im trying to link my bank account to digits a savings service and PNC wont allow it any longer. I should be to link my account if I want. Please help me
Product: Credit reporting or other personal consumer reports

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all XXXX  XXXX Equifax XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you.
Product: Debt collection

XXXX XXXX, XXXX filed a claim against my spouse & Myself on XX/XX/XXXX without the proper authority or standing. XXXX XXXX has stated that XXXX XXXX   is the owner of the mortgage and the note. XXXX XXXX, XXXX has filed misleading and falsified documents in the land records of XXXX County Florida. XXXX did not pay value for the mortgage or the note and is not the owner of the debt and did not have the authority to bring suit against us.Defendants challenge the assignments based on the following information : There is an assignment from party A ( XXXX XXXX ) to party B ( XXXX XXXX XXXX XXXX , XXXX ) and this assignment was recorded in the XXXX County land records XX/XX/XXXX. This would have established ownership was transferred from Party A, XXXX XXXX , XXXX to Party B, XXXX XXXX XXXX XXXX , XXXX On the same day Party B ( XXXX XXXX XXXX XXXX , XXXX ) executed an assignment to Party C ( XXXX XXXX XXXX XXXX ), which was not recorded but was executed and contains the Corporate seal, two witness signatures and a notary stamp. This would establish ownership transfer from party B, XXXX XXXX XXXX XXXX , XXXX to XXXX XXXX, XXXX   XXXX XXXX XXXX. On XX/XX/XXXX, an assignment of mortgage was recorded in the XXXX County land records by Party F, XXXX XXXX XXXX ( who had no legal ownership or right to record the assignment, as Party F was not the owner of the mortgage ) showing an assignment of mortgage from Party D, XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX XXXX XXXX to Party E, which was allegedly executed XX/XX/XXXX. Party B, also known as party D gave up the legal ownership of the mortgage when party B executed an assignment of mortgage to Party C in XX/XX/XXXX. In XX/XX/XXXX, when XXXX XXXX, XXXX brought claim against the defendants, Party E a/k/a XXXX XXXX XXXX XXXX , XXXX allegedly recorded an assignment from Party E, XXXX XXXX XXXX XXXX , XXXX to Party H, XXXX XXXX, XXXX. Party E, XXXX   XXXX XXXX XXXX , XXXX can not legally record an assignment of mortgage, as neither party E or B or C owned the mortgage at the time of execution and recordation of ANY assignment. XXXX XXXX is party G, who XXXX XXXX, XXXX claims is the owner of the loan. XXXX XXXX, party G, is not on any assignment or recorded document. 
The original mortgage is from XX/XX/XXXX. The original mortgage amount was for {$40000.00}. XXXX XXXX, XXXX has kept me in court for 3 years and ran up {$30000.00} in attorney fees for a {$19000.00} principal balance. XXXX XXXX forced the sale of my home and won with a " credit bid ''. This is fraud and theft and unjust enrichment. XXXX XXXX, XXXX holds no equity in the XX/XX/XXXX mortgage or note. If XXXX XXXX owns the mortgage and the note, why was the certificate of sale issued in XXXX XXXX, XXXX name? XXXX XXXX, XXXX d/b/a XXXX XXXX is a thief and a fraudster.
Product: Credit card or prepaid card

I purchased an item that was not delivered, contacted both the merchants and my credict card company to resolve the issue. 

The problem of the order was that it was not delivered and the order was an expensive amount that I did not even give a signature to. I tried resolving this issue with the merchant first, then my credit card company with disputes but the resolution was not in my favor even though I have literally no other way to prove that it was not delivered, there was no signature for the package. The price of the package was {$1000.00}, the merchant was XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 Bank of America allowed a company called XXXX to clean out my bank account. They stole over {$1000.00} and left my account over {$100.00} in the negatives. As a result, I will not be able to pay my rent in 5 days, and will incur {$150.00} in late fees, as well as risk being evicted. I have never paid my rent late once, but because of Bank of America 's gross negligence, I will have a mark on my rental history. It is bad enough that Bank of America denied me a secured credit card for no legitimate reason, or that they have been charging me fees that I did not agree to for the past 2 months, OR that they don't allow customers to dispute transactions via the app, but obviously they do not care to protect their customers ' assets, either. They are TERRIBLE at customer service, and I want nothing more to do with them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. 
I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

InXX/XX/2019I needed to submit a pay date change because my pay at my job changed from biweekly to semi monthly. The representative in XX/XX/XXXXtold me to fax my paystubs showing semi monthly which I did and over the recorded call I stated my new pay was now on the XX/XX/XXXXand XX/XX/XXXXif every month. She sent me a modification for paydate and I signed it. What I did not notice at the time is she made NO change to the agreement because the XX/XX/XXXXand XX/XX/XXXXthat month still happened to fall on a biweekly every other Friday. Every other Friday since XX/XX/XXXXsome has called me atleast 10xs a day starting on Fridays saying my payment is late and I go through the WHOLE bad experience again and again. I have resubmitted paystubs to 3 different people who claim to be my account manager every single time. Now Im being told that you can only do a paydate change once in the lifetime of the loan and even though the MEI rep in XX/XX/XXXXfailed to do her job correctly bc I signed the incorrect thing my change request is being denied. Then the rep from XX/XX/XXXXcalls me and laughs at me when Im just trying to help her understand my frustrations with why I have had to reiterate my issue every other Friday to someone who has access to my acct and should be able to see whats going on, not to mention Im being told to send my paystubs with all my personal info every single time to different reps that arent making any changes on behalf of my acct. Now they are re modifying the 1st modification that was submitted wrong and its causing my payments and interest to go up on behalf of their mistake. They have caused me many of interrupted work hours every single time they call me harassing me to make a payment before I get paid and then me having to go through the whole issue every time when it should have been fixed months ago and it has taken 4 months and 5 diff reps to get to this point. This is by far the worst, most unprofessional, most unknowledgeable, most disrespectful, most unhelpful finance company I have ever dealt with that lacks the ability to achieve results on behalf of customer service. I am a loyal customer with 2 car loans through them and have never been late and this is how I get treated every single time.
Product: Debt collection

case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX XXXX. XXXX   instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX   XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX in XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of Virginia  ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX XXXX XXXXXXXX XXXX  it is a housing for people in XXXX. The full garnishment is a burden
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA.