23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/year>, my bank ( copies attached ) sent a treasurer check to Ally Bank for {$24000.00} to pay off and buy out my existing lease. A copy of the USPS tracking receipt also is attached where Ally Bank signed for the check and the funds were deposited into their account on the same say. Ally Bank has reported me as a late pay for 30, 60, and 90 days and they have ruined my credit score. I have reported them to the XXXX XXXX XXXX, The Indiana Attorney General, and The Federal Reserve Bank in Washington DC. Furthermore I am now paying and have paid 6 months on my buy out loan to XXXX XXXX XXXX  and Ally refuses to release the title to the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX capital XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX to whom it may concern : your company is in clear violation of the fair credit reporting act. 
XXXX XXXX XXXX ( a ) XXXX ( B ) XXXX WHICH GIVES ME A RIGHT TO ASK FOR INVESTIGATION PROTOCOL XXXX XXXX XXXX ( a ) ( XXXX ) B WHICH GIVES ME THE RIGHT TO CHALLENGE REINSERTION OF NEGATIVE ACCOUNT WITHOUT PROOF OR NOTICE THAT THEY WHERE REINSERTING DISPUTING ACCOUNT AS YOU CAN SEE IN MY PREVIOUS LETTER I ASK FOR PROOF THAT I WAS LATE AND I ASK FOR THE METHOD OF VERIFICATION AND SAID COMES XXXX  XXXX XXXX XXXX AND EQUIFAX REFUSE TO OBEY THE LAWS OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Debt collection

There are collections on my account for unauthorized accounts due to identity theft. This includes and account for XXXX in the amount of {$100.00}, an account with XXXX in the amount of {$1900.00}, and an account with XXXX with a {$0.00} balance.
Product: Debt collection

I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. 
My contact information is as follows : Your name XXXX XXXX XXXX
Product: Credit card or prepaid card

The original balance was XXXX. They gave me a minimum payment amount of XXXX. I gave a XXXX payment that was never credit and the charges doubled to XXXX. The payment was never credited
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed paid and closed accounts from the Dept of Education on my credit report on XX/XX/XXXX after my taxes were garnished to pay off my past due balances. It remained on my credit report. On XX/XX/XXXX, I disputed these accounts again in an attempt to have these removed. These accounts still remain on my credit report and have significantly impacted my credit score, regardless that they are paid and closed. I have been declined by creditors due to this unfair credit reporting. Please remove so I can be able to build my credit. I can not with these on my report, I am denied even after I have paid off almost all of my debt and have very little monthly bills. Thank you.
Product: Credit reporting or other personal consumer reports

Account with Department of EducationXXXX was transferred to MOHELA for PSLF eligibility XX/XX/2023. When contacting XXXX about their still " OPEN '' trade line with a balance of {$88000.00}, they stated that they transferred the trade line with instructions to MOHELA to update the trade line rather than adding a trade line and because of that they ( XXXX ) are not able to do anything with the trade line. Upon calling MOHELA and speaking to several representatives and being on hold for many hours, the issue is still not resolved. I submitted an inquiry to MOHELA around XX/XX/XXXX with information they requested from me including credit reports showing the trade line from XXXX. They have yet to resolve the issue or get back in contact with me. I have also disputed the credit line with XXXX numerous times with no success at getting the trade line balance updated or even to show as a closed status. They requested information from me showing that the XXXX accounts were in fact transferred, which I did submit. I also submitted to them a PDF document directly from my XXXX account showing that all my balances have a XXXX balance. At this point my credit is being incorrectly reported by the credit bureaus and I am unsure how to go about getting it corrected.
Product: Debt collection

I have disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. 
Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. 

I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Mortgage

This is regarding my Ditech loan # XXXX. This loan was taken over by Ditech from the original servicer in XXXX or XX/XX/2019. 

I had my payments automatically deducted from my checking account with the initial servicer. I requested the same from Ditech as soon as I was notified that it was taking over my loan. Payments were successfully made the 1st and 2nd month. However, Ditech did not autodraft the 3rd month and then triggered a late fee and penalty. I called, paid two months at the same time, requested that they reverse the late payment and restart my autodraft. This then happened again in XXXX/XXXX. 

I have now paid {$1000.00} in late fees. I now have seriously derogatory strikes on my credit that must be removed. I just paid my XXXX bill ( today, XX/XX/19 ) manually because the autodraft is again not set after 3 requests to fix it. It now says I am not eligible for autodraft. 

I know that this is not a communication issue. Ditech knows how to communicate on everything else. They just fail to do so when it can cost me money and marks against my credit report. Indeed, I have received over two-dozen e-mails from Ditech over the last 4 months telling me about my refinance options and ways to save money. I've received other e-mails from Ditech regarding my eligibility to participate in a lawsuit against Ditech for improper servicing errors and expenses. 

I don't know what else to do. I need these fees taken off. I need my credit report corrected. I can manage not being on auto-pay but I would prefer being serviced by a provider that does not take advantage of me.
Product: Credit card or prepaid card

XX/XX/2022 I sent in a letter to close my account since there is no email or phone number on website to contact First progress.The website informs that it takes XXXX weeks to receive a check with any excess balance which was only a couple dollars I believed. I waited to stop my autopay until I received a letter stating it was closed. 
In XX/XX/2022 I received a bill. I called the phone number listed on the bill. I asked why there was a balance because my account was closed. They informed me they had sent a letter stating it was closed. There had been a balance which they did not send us a statement on until XXXX. There was also XXXX months of late payments and XXXX months of negative reporting on our credit.
Product: Debt collection

TransWorld Systems is repeatedly calling my work number and leaving a threatening message. Each time the person I am directed to speak with is different. I do not owe any debts and no commercial company with whom I do my private business would have had my work number as the main number in any case. 

This company is widely viewed as a scam and some online reviews state that calling the company results only in abuse and the continuation of calling.
Product: Debt collection

Back in XXXX of 2020, I sent a letter requesting more and certain info about this debt. The company did not send all info requested. I sent another letter in XX/XX/2020 requesting this info again and stated that if not received within 30 days, they must remove from my credit report. They never responded and I filed a dispute on XXXX  and they did not even look at the letter I sent them nor did they remove the mark.
Product: Checking or savings account

date XX/XX/2014 {$2500.00} I CALLED USAA and I complained that I had missing money in my account. and I asked to investigate why I had no money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion numerous times and been told many times that these unauthorized inquiries would be deleted. I demand them to be deleted immediately. Transunion told me they would delete the inquiries but it is still reporting on my credit report. Please delete inquiries immediately as they are unauthorized.
Product: Credit reporting or other personal consumer reports

Hey I am filing a complaint against transunion, XXXX, XXXX I have a item on my credit files stating XXXX  dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX  has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX  has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a XXXX per violations and further damage to me financially.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$300.00}
Product: Bank account or service

Chase closed my checking account without reason, checking account ending in XXXX. After series of fraud alerts. Also listed a false dispute that could be used as a bases for closing the account. There appears to be a order of thinking that has gained ahold in the banking industry that seeks to control its clients. To hinder Creativity in finance is to hinder financial growth. It appears that creativity has appeared amongst the less fortune thus stagnating the minds of the fortune.Thur my research a number of banks are using the same tacit. The error was in giving the banks the stimtulus package. It should have been given to the people the banks would have ended up with it anyway and everybody would have been happy..
Product: Credit reporting or other personal consumer reports

lendmark opend acct in my name on XX/XX/year>XXXX  for why dont know or where or for what sent in police report several times no results now need to put lawsuit for incorrect info on my credit report under the fair credit report act
Product: Credit card or prepaid card

Hi, I'm not sure who to contact with this anymore, but I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations between the reporting between the major credit bureaus. 

XX/XX/XXXX - 30 days late? 
XX/XX/XXXX - 30/60 days late? 
XX/XX/XXXX - 30/60 days late? 

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.
Product: Credit reporting or other personal consumer reports

I have some collections reporting a debt on my credit file that I do not understand. There are XXXX XXXX XXXX XXXXXXXX  which I do not recognize and a XXXX XXXX. I was previously in an XXXX XXXX, we had a lease on our apartment that I was thankfully able to get out of. However, I called to cancel gas and electiricty under my name when I did move out and paid the remaining balance. However, my XXXX XXXXnt in and put my name on the utlities all over again and they got sent to collection against my knowledge. He is currently serving a sentence and so I filed a report with the police because this is not the only account that I am having issues with. I followed all the right steps to get rid of this debt and finally get some peace of mind and be able to move forward with my life but it seems like these issues keep holding me back. This debt is not mine and I ask the collections be removed
Product: Credit card

My XXXX cell phone was shut off. Then XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were being rerouted to XXXX and XXXX. We caught this but by the time we did they had gotten into other things like my XXXX account and PayPal account and taken out a XXXX XXXX XXXX  account In The amount of {$5000.00}. We caught some of it due to letters coming to my home and of course the phone being shut down. Thru my vigilance and footwork I work hard at fixing alot of this stuff. Then 30 days later I received a bill from PayPal with a {$2100.00} computer charged to my account. And have been disputing this charge ever since. They have a XXXX  identify theft policy but they have been fighting me since 2023 and I have sent all of the identity theft, paperwork police reports, a lot of money in paper work sometimes they say they receive sometimes they don't. I'm not sure I even have done power of attorneys and FTC Identity Theft Victims Complaint and Affidavit. I have never paid for this computer. I have never taken possession of this computer and when I went to the police department after going to XXXX because I found out from PayPal and ( XXXX XXXX  ) that it was delivered from them to my home I went there personally And got the paperwork for it and gave it to all of them the police for the police report. I asked the police to track it in there cyber crimes unit. ( I'm sure it's being used for criminal activity ) They would not. Plus it is a felony. They would had absolutely no interest in the computer. But everyone would know I did not have this computer. Even XXXX is engaged with me at this time trying to make PayPal and XXXX XXXX understand I do not have this computer
Product: Credit reporting, credit repair services, or other personal consumer reports

I had report that I had a complaint with TransUnion and they submitted back to you that the item was not my credit report however they have changed the number the item number is XXXX a state tax lien that the information is incorrect and the State XXXX Oklahoma and The XXXX XXXX Clerk said it could not be validated and should be removed from my report. I now question their reporting of the bankruptcy that shows up on my report as the XXXX Bankruptcy XXXX said there are multiple errors and they didnt not report he information to the agency. This too should be removed.
Product: Student loan

I am currently on an Income Driven Repayment ( IDR ) plan and I agreed to electronic and direct deposit. I firmly believe that these plans are created to lower payments to a more manageable XXXX ( of course interest still accumulates ). I pay XXXX a month and woke up this new year to a XXXX withdrawal. Not only was Fed loan rude but they put all the blame on me. I spent the afternoon stopping payment from my bank and dealing with Fed loan trying to still attempt to not default but was not able to reach any type of compromise. My only question is its 2017 is the best form of communication an email over the holidays with no marker of importance, no title in the email stating my rate would go up, not a prerecorded phone call or send a text ( they do of course offer texts for promotional services ). I understand of course as they stated this is all my responsibility but with such a significant increase in payment I definitely think a better effort on their side communication wise is definitely warranted. I feel the worst for the call center employees since they are forced to deal with unnecessarily upset customers. I mean where is the logic here I 'm on and IDR because I ca n't afford a regular payment so go ahead and instead of charging me XXXX charge me XXXX. I guess understanding of my situation was just to hard for them. I was not notified of forebearance till the 5th time I called TODAY! I am definitely reconsolidating and looking for a better servicer. After all was said and done I attest that this process took 6 hrs today and by the time I called back the calling center was closed!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached idtheft report XXXX. XXXX XXXXXX/XX/XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXX/XX/XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b