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

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX NA Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I requested company to email me records of my sent transactions between XXXX XX/XX/22. They refused to send me saying that my account was canceled. I argued that it was their choice to cancel my account but that I was entitled to copies of my sent transaction statements. They said they would not provide. I need those statements to take legL action against another party.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of late payments on my consumer report related to Account # XXXXXXXX XXXX XXXX XXXX XXXX. I have always made timely payments, and the late payments being reported on my credit file are incorrect. This erroneous reporting violates my rights under federal consumer law and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure that all information reported is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they know or should know to be inaccurate. If the data furnisher has provided incorrect information regarding my payment history, they are in violation of this statute and must rectify the error immediately. 

I request that TransUnion conduct a proper investigation into this matter and take the following corrective actions : 1. Immediately remove or correct the inaccurate late payments associated with Account # XXXX XXXX XXXX XXXX  from my consumer report. 
2. Provide written confirmation that the necessary corrections have been made and that the inaccurate late payments have been removed. 
3. Ensure that this correction is reflected across all credit bureaus to prevent further damage to my credit profile. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. Please investigate this matter promptly and notify me of the resolution in writing. 

I trust that TransUnion will adhere to its legal obligations under the FCRA and take the necessary steps to ensure that only accurate and verifiable information is reported on my consumer file. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card

I received notice that I was late on payments on my credit card in XXXX, not thinking anything of it as I had paid the card off and didnt realize it was accruing charges at the time. In XXXX I paid the card off and closed the account. I paid the total said owed that day and requested them to close the account same day. I was told that would be done. 
Ive been recieving bills for late and interest charges since said account has been closed. And they want me to pay those to close the account again. 
Account was paid to XXXX Dont feel like I should have to pay that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to XXXX via fax and XXXX and Experian via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for Experian XXXX XXXX XXXX XXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XXXX XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XXXX/XXXX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX Credit Department to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ]  The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) used profanity towards me and to also use my deceased friend as a means to gain debt from me which isnt mine. Has called me during my work hours and nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these inquiries from unknown companies to show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX account # 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
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I am in XXXX XXXX XXXX and not sure how this happened. I am known to pay my bills on time.
Product: Credit reporting or other personal consumer reports

This is a XXXX Problem! Passing off the problem to the new servicing agent does not fix the XXXX incorrect reporting. 

The issue is during when XXXX was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX all Department of Education XXXX XXXX are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES XXXX ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the XXXX monthly payments required to qualify for XXXX XXXX XXXX XXXX ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the XXXX monthly payments required to qualify for XXXX were waived. A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My XXXXt student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per XXXX XXXX and XXXX XXXX any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act TD AUTO FINANCE 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the three credit bureaus have my XXXX XXXX XXXX XXXX reported. It is unclear if the credit card company reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, my address should indicate XXXX XXXX XXXX, XXXX, Ga XXXX. 

I also have inquired that should have been soft inquires not hard inquires. 

Also, I need my payment information update more often since I am in the hiring process for a federal position that relies heavily on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.
Product: Debt collection

Hello, On the date of XX/XX/2023, I received a call from a XXXX XXXX from XXXX XXXX XXXX. He stated I had a debt that was from an overdraft fee from Wells Fargo from over 10 years ago which is an absolute lie because I closed my account with them with no outstanding balances. Wells Fargo actually sent me a check about a few years ago for unclaimed money that belonged to me. I tried to explain that to him and he eventually became more aggressive after I was telling him that this is an odd claim. He then tried cutting me off saying " Okay, I'll just take this as a refusal to pay '' and hung up on me. I called back to inquire for more information. He picked up surprisingly considering he was quite rude and aggressive. He then tried confirming my personal information that he had of mine and I unwittingly confirmed my social security number which is now giving me XXXX because I'm not sure if he was real or a scammer. He still sounded aggressive with me after I tried disputing the claim and before I could get any more questions in, he hung up on me again. I tried calling back and now he's not answering. Of course, right after the calls, I ended up doing research on these types of situations and come to find out he violated the law with how he conducted himself on the phone and there's other complaints online about this specific XXXX XXXX and XXXX XXXX XXXX. This has now become another unnecessary burden knowing this potential crook has my personal information.
Product: Mortgage

My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage.
Product: Student loan

Navient is consistently misapplying my payments. I make an overpayment each month to my loans. I always select to be billed in full for my next monthly payment rather than having my payment due date advanced. On more than one occasion, my payment due date has been advanced despite my request not for that to occur. My default profile setting even says how to apply my overpayment. 

I have my student loans set on automatic payment. I would not have caught these misallocation if I didnt check my statement on a monthly basis. Who knows how many consumers are being taken advantage of this unethical organization. I have to call in each time to get this corrected. Most recently, the representative would not give me a reference or ticket number for the correction. 

My payment due date was advanced on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is just within the past year. It should not have been advanced and I should have been billed monthly. By advancing my payment due date, my overpayments are not being applied strictly to principal. This allows Navient to charge me more interest since my principal is not decreasing accordingly. This is illegal and wrong.
Product: Mortgage

Ditech transferred my home loan to Shellpoint Mortgaging in XX/XX/XXXX. When covid-19 hit in XX/XX/XXXX, I was placed on forbearance which should have stopped late fees and the monthly payments. I read the fine print on the forbearance agreement stating that I would be responsible for FULL payment of my balance upon its completion. Therefore, I continued to pay monthly payments throughout the forbearance period. Starting in XX/XX/XXXX, I began receiving foreclosure mailings via certified and regular mail, I should not have been threatened with foreclosure as I was in forbearance and was paying my mortgage. When contacting customer service, I mentioned that my monthly statements were always incorrect, having late fees that should not have been accrued during forbearance and on average, my payments were indicated as three to four months behind. I was further informed that " The statements are never correct and we can not control the certified and other mailings because they automatically go out. '' Shellpoint is notorious for late reporting on payments, price gouging, and threats of foreclosure. They make it impossible on paper to " catch up '' on your balance and I feel, just want to take your property at all costs. They are insensitive to those being impacted financially by covid-19. My most recent conversation on XX/XX/XXXX, resulted in my review of the current monthly statement ( which stated that I was four payments behind again. ) The customer service representative said, " No, actually this statement is incorrect and you only owe " {$220.00} to be current for XX/XX/XXXX. '' I want to stop the threats of foreclosure as they are not warranted ( I now am in forbearance until XX/XX/XXXX. ) I also want Shellpoint to mail ACCURATE statements monthly, reporting payments in a timely manner, withholding unnecessary late fees, and stop bullying consumers into draining their savings in playing the impossible " catch up '' game. This company has the WORST online rating and someone needs to file a lawsuit for their despicable practices.
Product: Debt collection

My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment or inquiry on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XXXX is reporting a BECU Credit Card that's not mine, I have disputed it, but they did not remove it. I have contacted BECU and they also confirmed it shouldn't be on my XXXX report and told me they would dispute it on there side and send me a copy of the dispute which I never received. Then I look at the results of my dispute and BECU says it mine, but it isn't my account and I need it removed, it isn't mine and I wouldn't carry a balance.
Product: Credit reporting 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 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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 A Section 2 :. It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

XXXX XXXX Account Number : XXXX was previously removed by all credit bureaus but credit company added account back on without any proof of validation.
Product: Debt collection

Cellphone bill that was paid upon switching companies. They say I owe {$310.00} to XXXX. This debt is with a collection company that keeps updating to newer dates. I haven't had that service since 2014. I have no know knowledge of the collection company called I C System.