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

XXXX ; XXXX  and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with XXXX XXXX XXXX XXXX for 14 years. Six years ago I went thru XXXX XXXX  and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX  I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On XXXX and XXXX they would report it as closed XXXX balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on Equifax that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.
Product: Credit card

Received an offer for 18 months no interest and a 3 % fee in the mail with State Farm, which is my insurance company. I went online and was accepted and a month later i took the offer. There was a 3 % fee and they made a direct payment ( balance transfer ) to my other credit card for the {$13000.00}. When I received my first statment I saw a 3 % fee and an interest charge of {$200.00}. I called US Bank and was told they made no corrections on the phone andwould look into it and I would receive a letter in the mail. I received nothing. I called a second time and they said I had an option on my application and I didn't check the correct option to receive the no interest. I'm not sure why there would be an option to pay basically 20 % but I didn't argue with the rep. She told me they woud wipe all the interest with a {$400.00} deduction. By this time my interest was an additional {$220.00}, totalling XXXX. They told me they would wipe all interest but only wiped out {$400.00}. They also told me the could not see an offer with 18 months no interest. I believe both were untruths.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

-15 U.S.C 1681 section 602 A. States that I have a 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 permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on Experian. {$0.00} on XXXX Last Reported : XXXXon Experian. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on Experian.XXXXXXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my Experian and XXXX. 

This is a violation of reporting false information BY XXXX  on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX never mail me no notice to the debt of XXXX XXXX XXXX. 

Spoke to a rep at Credit Collection Services that stated to me they mail out certified mail. 

I never got any proof from Credit Collection Services of any such mail or post office confirmation Number of the certified letter by XXXX WAS rude as this debt by XXXX XXXX XXXX is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. 

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. 
-Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX  XXXX -Court jurisdiction : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter from credit reporting agency that there was a change in my credit file. Do not know this company or why they appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6300.00}.
Product: Vehicle loan or lease

I leased a XXXX XXXX in NY XX/XX/XXXX and it was leased through Chase XXXX XXXX They 1 ) spelled my name wrong 2 ) never updated the lease payment in XX/XX/XXXX, when i Moved from NY to FL 3 ) even though I was paid in advance on my loan and always had a credit balance on my account, they reported to the agencies that I had missed a payment. 
I have tried to resolve this with Chase, and have not had success. My credit score went from the XXXX range to the XXXX 's because of their poor accounting. 
I have spent countless hours on the phone, as well as writing letters to the 3 credit bureaus for relief. I hope this is resolved and my credit is restored to its ' prior level. I am in the market to lease a car, and the lower score will probably affect the price that I pay.
Product: Payday loan, title loan, or personal loan

I contacted the XXXX  also goes by " XXXX XXXX XXXX XXXX  WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. 

The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.
Product: Checking or savings account

I have a FDIC account in my HSA ( health savings account ) with Optumbank. Website does not work and has been down for days. Called customer service ( XXXX ), and supervisor ( XXXX ) to access funds. They did not help. Only stated i could try to access website some other time. Not acceptable to prohibit access to an FDIC account for days. Please investigate Optumbank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open loan account with Equifax, called Equifax to see whats going on. They have no idea because they do not have loan products. Asked to provide the phone number of the account on my credit file the phone number they provided was the Equifax fraud alert phone number. Equifax told me on the phone XX/XX/XXXX they have no idea what that account even is but kept it on my credit report, because of that account i was not able to get a job. 
Equifax XXXX loan showed date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XX/XX/2020 I sent in a dispute with Capital One. Never received a response I also contacted the bureaus disputing what they did all they did was charge it off and not address my dispute. I reached out the bureaus and was told it was validated by capital one. I told them if it was validated why havent I received any notification of the investigation because it was no investigation. How can you validate a debt only the consumer can validate the debt. I have been addressing capital one as well as the bureaus and have been getting the run around they have violated my consumer rights and injured me multiple times! it should be deleted no charged off. 
The statement I received did not validate the debt it just confirmed we had a relationship in the past. 
15 USC 1692G states a debt collector is required by law to send me notice of debts with the 5 requirements No signature or contract was mentioned in this law. 15 USC 1692g This debt was never validated because they cant validate, all they did by sending me the paperwork ( saved me work ) they proved it was a credit transaction and who the original creditor is and in fact if it was a credit transaction that means everybody was credited and there should be no attempt to collect a debt
Product: Credit reporting or other personal consumer reports

Equifax sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I got a cashiers from XXXX for {$7000.00}. On XXXX XXXX I went to the XXXX XXXX Branch of PNC where XXXX XXXX is the branch manager. The branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX Md XXXX. 

As of XX/XX/2022 I have been told by both PNC and XXXX that the check has not been cleared. XXXX has said that PNC has not contacted them for verify the check. PNC can also give no reasons that they have not cleared my deposit. They also will not give me the cashiers check back and cancel the deposit.
Product: Consumer Loan

On XXXX/XXXX/XXXX I purchased an used XXXX Chervolet Cruze from XXXX XXXX XXXX. The dealership took advantage of the situation by quoting me a rate but putting another on the contract and hurrying me so sign it because it was time to close. They gave me no opportunity to review my contract thoroughly otherwise I would n't have signed it since it did n't state the terms we had agreed upon. Now, more than a year later I started realizing the principal balance on my loan was not getting any lower. I contacted the lender US Bank for a copy of it so I could finally review it. Upon reviewing it I come to find out I have been paying 7.99 % interest rate when I was quoted a 4.9 % at the dealership. I immediately contacted US Bank by phone and spoke to XXXX who was beyond rude, nasty and unprofessional. She repeadly verbally abused me and screamed at me on the phone, saying I was n't understanding what a loan was. I asked her more than 5 times where in the loan said that I had to pay extra interest if my payment was late, because on the truth in lending disclosures states the amount you will pay for the life of the loan. US bank should be proud because they have a employees who are trained to defend their unethical and unacceptable business practices. I feel offended by the way I was treated and by the way US Bank is draining every penny in my pocket with those outrageous fees that they do n't tell you about. While on the phone with XXXX I asked her to provide me with the disclosures that states I would be liable for any extra interest rate if my payments are late aside from the XXXX % late fee they charge, and she never answered by question constantly atacking me saying I did n't know what a loan was.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Wakefield and Associates acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written permission.
Product: Checking or savings account

I transferred enough money to cover items on my account. The bank account had enough funds to cover items. I deposited the money and I was still charged fees. Ive tried to work with bank and still they charged me fees. All my money was SSI money to cover my bills.
Product: Student loan

I have 2 complaints Complaint # 1 Before I paid of my loan, I called to ask about my payoff amount. I was advised by the service rep to use the online payment payoff versus the mail check payoff amount. This was the amount I got on Navients website and sent it to XXXX Navient, {$44000.00} Navient, {$26000.00} After adding up both loans I got XXXX to payoff the loan. 
When I called to verify if the loan was paid off I was told that I owe {$41.00}. Now my bill is almost {$270.00} in interest fees. 

Complaint # 2 Navient misapplied some of my loan payments. Everytime I try and speak to a customer service rep, they have a different story to tell me. I went and downloaded all my payments relized that the addition {$100.00} payments I was making was just going towards the interest and not the principal even though I instrusted them to apply the payments to my principal. I want Navient to reimburse me for {$3600.00}
Product: Credit card

I have closed both of my credit card accounts. 
XXXX XXXX I hsve never had overdraft coverage on either account and you can go thru my account and see i have never used it. 
XXXX is closed and paid I didn't add a XXXX dollar overdraft coverage. 
When I called and asked why it was on there they said I signed up for it. I said no i didn't the account is closed and paid. 
I was told I could still be charged a XXXX fee for this service even thought the account was closed Today I opened up my fortiva account and fortiva added a XXXX dollar overdraft protection plan without my authorization. It was not there before and I have never even heard of this. Fortiva has the right to use the overdraft if you sign up and it is an automatic charge of XXXX I didn't sign up for this. 
They put it on my account. 
I went online and figured out how to take it off. 
Fortiva is manipulating my account and setting me up for charges. Thus company is manipulative and continues to out customers in positions to take their money with unauthorized and manipulative and deceptive schemes. CFPB should be aware that they put the overdraft protection on two accounts and customer service said I would be charged for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, XXXX, and Experian. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, Experian, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.
Product: Credit reporting

I sent a request to Equifax to freeze my credit both in XXXX XXXX and then again XXXX XXXX per their request to send new documents. I also called in XXXX XXXX, because I had not received the pin and they said they were mailing the pin. I 've never received the pin numbers or confirmation that a pin was in place. I 've already sent all my documents Police report, proof of address, ID, ID Theft Affidavit.
Product: Debt collection

I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.
Product: Mortgage

Dear CFPB, To whom it may concern : I'v had a home Equity loan with Washington Mutual bank for a long time until XX/XX/XXXX, Wamu 's closed out and transferred to Chase bank.I have had applied Loan Modification with Chase in the past several years unsuccessfully with their reason that our income are not enough because of my XXXX income was not sufficient due to business failures.But now I have worked on salary for 6 months and looking good long term in the future. 
Recently, on XX/XX/XXXX Chase has sent me a Notice of Default second time threaten to foreclose on my home ( they did it on XX/XX/XXXX the first time and they dropped ). About three weeks ago, I've applied for loan mortgage assistance to Chase but they have not answered back to me yet, I worried that they may tricked and wait to the sale date so that I have no time to do anything to save the home.I am XXXX year old and my wife is XXXX, we have living in this home since XX/XX/XXXX and we don't want to move anywhere for now, we would like Chase grant us a loan modification with favorable term and affordable payment just like the first mortgage has offered loan mod.to us 3 years ago. 
With combine income of me and my wife and if Chase offer us loam mod., we will be able to pay the back and keep our home. 
Thank you so much for your help and XXXX bless. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX