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

I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to XXXX, Equifax and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in XXXX I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed. 

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my XXXX account would see the higher credit score return. 

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

The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened {$38000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Credit reporting

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}
Product: Debt collection

Contacted Recovery Management Solution via telephone on XX/XX/year> requesting a debt validation letter be sent to my current address and was denied the request. Additionally Recovery Management Solutions contacted family members with no responsibility related to debt in question on several occasions.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2018 zero percent interest and supposedly in the fine print, it said if it wasn't paid for within the year then we would get hit with a $ 900+ finance charge. Right now during the world pandemic is when they hit us with that $ 900+ charge. It came from left field because I wasn't aware it was out of the zero percent finance window. Never got an alert, an email, a notice. Just a bill with the extra $ 900+ and when I called they don't care nor want to help. I am a small business owner and this pandemic already took a hit on us and to top things off they want to XXXX us with a finance charge and no show no mercy.
Product: Checking or savings account

I am using Webster Bank for my XXXX XXXX Account. I have been submitting receipts/transactions online in the mobile app. Webster Bank then lists the transactions multiple times and would allow me to " pay '' the same expense multiple. If I had the expense paid multiple times it would be a violation of the US Tax Code as this is a tax favored account and only " qualified medical expenses '' are tax free. An reimbursement in error would not only create a taxable event, but a penalty by the IRS as well. 
I have tried to call and told the same thing. It is because I am using my debit card ( Webster Bank ) and then submitting online. I told them that is not true and it was verified. I was then told, it was my insurance company submitting claims as well as me. I also confirmed with them, this is not true. I have provided screen shots of the double transactions. I also noted that I purposely mis spelled items to prove they are my transactions that are being logged twice in the system. After several calls and emails it was escalated and then several days after the telephone agent confirmed that it is not debit card or insurance company dual submissioins someone called me today and said the same old thing, that I am using the debit card and then creating a duplicate submission. This is simply not true.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Student loan

Complaint : Demand for the complete removal of Nelnet company from All of my credit reports and future prohibition from reporting, along with legal backing for this claim. 



To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint to formally demand the complete and permanent removal of Nelnet a Closed and Paid student loan service provider from my credit reports due to their continued and willful violation of consumer protection laws. Despite having them fully paid off and the account being closed. Right after they were Paid and Closed, Nelnet continues adding more inaccurate information of late payments including claims of 30, 60, 90 and 120-day late payments from over 10 years ago. These reports are false, and Nelnet refusal to provide any evidence to substantiate these claims demonstrates their negligence and bad faith. 

I have disputed these inaccuracies more than **40 times** with both the servicer and the credit reporting agencies, yet the service provider refuses to correct their erroneous reporting. This ongoing false reporting has caused severe and unjust damage to my credit standing. 

Details of the Complaint : 1. Nelnet Account Status- Paid in full and closed 2. Inaccurate Reporting : - False claims of 30, 60, 90, 120-day late payments - Fabricated reports of 10+ late payments, none of which occurred - Refusal to remove inaccurate information despite over 40 disputes - Refusal to provide evidence or documentation supporting their false claims Legal Violations : Nelnet 's conduct violates multiple federal laws governing the reporting of consumer information : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Section 1681s-2 ( b ) : The servicer is obligated to investigate disputes and remove or correct inaccurate information. Their failure to comply with this requirement, even after numerous disputes, constitutes a violation of federal law. 
- Section 1681e ( b ) : Credit reporting agencies are required to maintain accurate credit files. Despite the servicers false reporting, the credit bureaus have failed to remove this information.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

- The servicer is responsible for providing accurate information regarding the terms and status of my loan. Their failure to do so violates TILAs provisions and has misled both me and the credit bureaus.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : - Section 1031 : This section prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). The servicers false reporting and failure to provide documentation are clear examples of deceptive and abusive practices under this statute.

4. Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 : - If the servicer inaccurately claimed that payments were late despite timely transfers, they have violated EFTA provisions related to accurate record-keeping and resolution of disputes.
Product: Credit card

Signed up for a Synchrony credit card through a contractor. Was told that if I set up autopay it would take care of the balance before interest hit. I set up autopay and let it go. Interest hit and has been accruing, called to try and settle for the promotional amount and was told the only way they would do it is if I let the account go 3 months delinquent, which is not what I want to do.
Product: Checking or savings account

Chase Bank deducted {$970.00} ( XXXX XXXX XXXX dollars ) from my checking account from an obviously altered check. I mailed a check for {$170.00} ( XXXX XXXX XXXX dollars ) at the post office. The check was stolen from the mail, the payee was whited out and changed to XXXX XXXX and the amount was altered from a one to a nine, thus resulting in almost a XXXX dollars being deducted from my checking account on XX/XX/XXXX. I discovered the fraudulent activity the next evening. Around XXXX pm on XX/XX/XXXX, I contacted Chase Bank 's claim department and filed my complaint. The lady I spoke with said the investigation and return of my money could take 30 days. The branch manager where I have my account in XXXX, Ohio said the funds would likely be returned in 3 days and the investigation would follow. So I called the claims department again two weeks later and spoke with 3 people including a manager named XXXX who said she would escalate the investigation, but it could take up to 30 days from my original complaint. I called the claims department XX/XX/XXXX and spoke with XXXX and he said to wait a few more days and call back. On XX/XX/XXXX I called the Chase claims department again and spoke with XXXX. She said the same thing XXXX said, that an email would be sent to escalate the investigation. I still do not have my money. The check is clearly fraudulent. It is CHASE 's error. The person to whom I mailed the check has camera 's outside the home and said no one took mail out of the mailbox. So the letter containing the check was stolen from the XXXX Mail, and according to XXXX, was deposited at the ATM at the Chase branch at XXXX XXXX XXXX in XXXX. So Chase knows where the check was deposited. I really need my XXXX dollars back and I have waited well beyond the 30 days all parties at Chase indicated was the time to resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Oportun ACCT : XXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

The original debtor XXXX claims that I owe on a past electric bill while living in XXXX back in XX/XX/2012. I explained to the original creditor as well as the current debt collector that I have not ever lived in XXXX, and to provide me proof that I owe a debt. That is, to show me, any past checks, and/or receipts paid to this account. I have not received anything from neither creditor, yet they are claiming I owe {$250.00}. This is not my debt. Furthermore, the company named in this complaint has had several complaints filed against them for unethical business practices.
Product: Debt collection

It is a credit card from Bank of America account no : XXXX. I tried calling Bank of America Credit Card unit, Fraud unit, closed account, charge off and there is no such credit card with my social security number. This is affecting my credit report and I am unable to refinance my house. I attempted to call various departments with Bank of America and have not had any luck resolving this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX XXXX reports the account XXXX paid as agreed, with a 100 % on-time payment history. However, XXXX and TransUnion report XXXX payment, which is inaccurate. Despite multiple disputes ( over 1 times ), the error persist. 
I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I set up and verified an account with Coinbase via the XXXX app over a month ago. Today I transferred {$300.00} and purchased {$100.00} each of 3 crypto currencies on their platform. They prompted me to add two factor authentication. I attempted to do so with XXXX but was ultimately unable to log in on my XXXX. I had logged in on my computer using a text msg to my phone, but then even my computer asked for a code from XXXX, which did not work. In the end I have no way of logging into this account. Their customer service is NONEXISTENT! I chatted twice with two representatives who do not seem to understand XXXX. XXXX said they could escalate my case, but I have no idea when or if anyone will get back to me. In order to log in without a code from that malfunctioning XXXX  app, I was required to upload my photo with the front and back of my drivers license, and they said it will take until late afternoon two days from now, XX/XX/XXXX for them to manually approve this to allow sign in. Note : my log in email for Coinbase is XXXX, not the email attached to my CFPB account. Telephone number is the same for both, XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companiesXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

ive call all 3 credit bureaus they have sent me the papers to dispute the inquires ive called ive been on hold for 15 every time ive called my identity was stolen i have proof where they ( theHackers ) got even into my XXXX  looking to buy a car ( XXXX ) they ran my credit more then 50 times it looks like i need these inquiries off my credit report please help and thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XX/XX/XXXX {$4500.00}, XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 

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

Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC.  They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. 
When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. 
I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. 
Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. 
I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you
Product: Debt collection

I had a loan with XXXX the company closed my account due to bankruptcy that discharged my debt all of a sudden after the discharge of my XX/XX/XXXXXXXX debt which wiped all my debts this company by the name of XXXX XXXX XXXX advised me that they own the account but i do believe I was also given a XXXX XX/XX/XXXX on my taxes causing me to pay in full the debt from the creditor XXXX and also a XX/XX/XXXXXXXX that wiped the debt but XXXX XXXX XXXX wants to collect the debt regardless and has mounted a {$12000.00} debt to {$22000.00} almost double what is originally owed I can not get this stopped and they continued to write me saying that I owe a debt when I filed XX/XX/XXXXXXXX on this debt this debt is past the statue of limitations to collect on and is not collectible to begin with due to XX/XX/XXXXXXXX and a XXXX XX/XX/XXXX from original creditor I wrote them and the agreed to a {$2600.00} settlement then wanted more when I wrote them again this is causing me stress for a debt that is past the statue of limitation with a XX/XX/XXXXXXXX attached to it and a XXXX from the creditor