23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive been getting calls from NELNET about a student loan that I never applied for. Its currently now on my credit statements. Ive tried to look into it but the account is locked. 

Again, Ive never applied for any student loans. Ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on my credit report. 

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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

Walmart/Synchrony Bank on XX/XX/2015Did not follow the XXXX, SCRA when asked for it and submitted military documents supporting the benefits. When I spoke to the representative about the issue he said " We have the documents but that since I was a XXXX that I knew at one point I would get called up and that made me ineligible to receive the SCRA. '' XXXX. Since those benefits were n't given I was unable to make proper payments and even give the minimum. I worked out payments as much as I could at the time for time. Since the interest rate was so high I was just unable to make the payments. Soldiers regardless of status, going from XXXX to XXXX when being called to do so is not a fault of the soldier.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a 30 day late payment on my credit report.
Product: Debt collection

I am disputing the above-referenced debt. Please verify this debt as re- quired by the Fair Debt Collection Practices Act. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciat
Product: Checking or savings account

I spoke with XXXX ( office of chairman ) at Citizens Bank on XX/XX/XXXX regarding I have not been receiving my XXXX forms in the mail for tax purposes. XXXX assured me that the problem was fixed. At XXXX time I had online banking but I no longer use online banking because I do not have my own personal computer. I have been a target of identity theft a few different times and do not feel comfortable using a public computer with all the scams that are currently going on. I have been living at my current address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX ) since XXXX of XXXX. The first year I received my XXXX form in the mail but have not since. I spoke to XXXX at the local branch ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) the last week of XX/XX/XXXX and was told " I am setup to receive a paper XXXX form in the mail and the forms were mailed out on XX/XX/XXXX. She said, " people are now calling saying that they are just now receiving their XXXX ''. XXXX advised me to give it a little more time due to XXXX 's XXXX. I do not understand why it would take longer than a few extra days to receive my XXXX due to the holiday. I then called Citizens customer service numerous times and spoke with a several different people who told me that the XXXX forms were mailed out XX/XX/XXXX or XXXX, XXXX and was advised to give it a few more days. The last gentleman I spoke with at customer service told me that the XXXX forms are not mailed out until XX/XX/XXXX. I am now getting frustrated because I am getting different answers. I have been a long time customer ( grandfather-in ) with Citizens Bank and do not feel that I did anything wrong. I am entitled to receiving my XXXX form in the mail. I then left XXXX XXXX XXXX or XXXX -- XXXX ) several messages with no response back. I then reached out to the XXXX XXXX XXXX XXXX. Not long after I reached out to XXXX then XXXX calls me back. This is not good customer service. XXXX advised me that he will mail me a duplicate XXXX form but I still have not received the form yet. He also mentioned that he was waiting on an answer from the back end as to why I have not received my XXXX form. I still have not heard anything back yet from XXXX. It should not take this long. I feel as if they are just putting my situation on the back burner and will take care of it later. This is absolutely wrong.
Product: Credit reporting or other personal consumer reports

'm disputing this account with Plaza Services, I do not owe the debt with XXXX XXXX XXXX nor was I made aware of this account from this company. I did sign a contract with this company nor have they contacted me about this debt before placing it on my credit report which is against the law. I have the right to dispute any debt and they went against that. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 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 without my written instructions. This company did send a validation debt letter or send me a letter about the debt prior to putting this on my credit which is against the law. I have also compalined over 30 days ago to the XXXX  about this company and they still have failed to provide any proof or failed to investigate the matter.
Product: Credit reporting or other personal consumer reports

I AM WIRTING TO DISPUTED FRAUDULENT ACTIVITY ON MY CREDIT REPORT RELATED TO IDENTITY THEFT, WERE AN INCORRECT ADDRESS HAS BEEN USED IN MY NAME WITHOUT MY CONSENT, LEADING TO UNAUTHORIZED ACCOUNTS, UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( 15U.S.C 168C-2 ), I HAVE THE RIGHT TO REQUES THE REMOVAL OF THIS INFORMATION, AS I DO NOT RECOGNIZE THE ADDRESS OR THE ASSOCIATED ACTIVITIES, AND I NEVER AUTHORIZED ITS USE IN ANY TRANSACTION, DELETE ADDRESS XXXX XXXX XXXX, XXXX FL XXXX IDENTICATION NUMBER XXXX AND NAMES XXXX XXXX XXXX XXXX IDENTIFICATION XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for XX/XX/2018 car payment for PNC Bank. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

For XXXX weeks Ive been unable to access my buisness account online with XXXX. Ive been on vacation for XXXX weeks and upon my return from my trip I wanted to resolve the issue. I called the number directed on the website. Initially I spoke with a security specialist and she verified my info and then she said a second security group with Chase bank needs to handle this issue so I was transferred. I again verified my info and I was told my account was under review and was hung up on without any further opportunity to discuss the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a XXXX  party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for the accounts are completely incorrect, so how could you have verified it? You claim to have verified this information within your investigation. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX-month period preceding the date the subsequent report is furnished. Please have these accounts DELETED or REMOVED from my file completely : XXXX XXXX, XXXX CARD XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {XXXX
Product: Credit reporting or other personal consumer reports

I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Information on Credit Report Regarding Account # XXXX ( XXXX ) Dear Equifax, XXXX am writing to formally dispute inaccurate information listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Specifically, the account identified as XXXX, Account # XXXX, contains inaccuracies that are in violation of the following consumer protection statutes : 1. 15 U.S.C. 1681e ( b ) : Mandating credit reporting agencies to maintain maximum possible accuracy of all consumer information. These sections mandate that all information on a consumer 's credit report must be 100 % accurate and verifiable across all credit reporting agencies.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : Requiring the removal or correction of unverifiable or inaccurate information after investigation. These sections mandate that all information on a consumer 's credit report must be 100 % accurate and verifiable across all credit reporting agencies. 
3. 15 U.S.C. 1681s-2 ( a ) : Prohibiting furnishers of information from reporting inaccurate or incomplete data to credit reporting agencies.

The information related to this account is not consistent across all three credit reporting agencies, and this discrepancy violates federal law. As such, I am requesting an immediate investigation of this account. If you can not confirm its absolute accuracy and verifiability, I demand that the account either be updated to reflect accurate and consistent information or removed entirely from my credit report.

Under the FCRA, you are legally obligated to resolve this matter within 30-45 days of receiving this dispute. Failure to comply will result in further action, including legal proceedings to collect damages of {$1000.00} per violation as provided by the law. 
Additionally, it is important to note that on XX/XX/year>, the CFPB sued XXXX for failure to properly investigate consumer disputes and remove errors under FCRA laws. Furthermore, on XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to properly investigate consumers rights under FCRA. These actions are a reminder that the failure to comply with the FCRA will result in regulatory penalties and significant legal consequences. 

Please PROVIDE ME WITH A COPY OF MY CREDIT REPORT To support my dispute, I have enclosed : A copy of my credit report with the inaccurate account highlighted. 
Please confirm receipt of this letter and provide me with the results of your investigation, as well as any actions taken to resolve this issue, in writing. I expect a full resolution within the legally mandated timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Mortgage

Was contacted by XXXX XXXX at Loan Depot to refinance our house with a lower interest rate for our VA home loan. We discussed the amount of consumer debt we had that was being handled by XXXX XXXX. XXXX XXXX said we could solve that. So we applied and everything went well and we discussed making sure that we had the right amounts as some of them have been paid off and/or in the process of being paid off through XXXX XXXX. No problem that will be done. After closing the closing company sent us the checks made out to all the creditors and not with XXXX XXXX as we had been told. No one even called from the loan dept even after I had mentioned about our discussion. Now I am in the 4th month trying to solve this issue with XXXX XXXX XXXX loan originator at Loan Depot. It appears to me she is putting me off with XXXX of money that need to pay some to XXXX law and the rest to us. How long should a consumer wait when you have been up front with people? I am current on this loan and all my debts. I would like this issue resolved. I told XXXX XXXX I was n't going through another month. I have even called her boss. I guess I need to call her bosses boss. Her bosses number is XXXX the subject on my email string is Documentation Request Case ID # XXXX. our loan number is or was Your loanDepot Loan Documents-XXXX
Product: Vehicle loan or lease

I found that I can refinance my car loan at a lower interest rate. I contacted Hyundai Finance on Monday, XX/XX/year> and requested the payoff letter for 15 days or a 10 day letter that included a per diem which is required by the credit union who offered the loan, I was told that it would arrive by email. It did not for three days. I called again on Wednesday and later received a letter without a payoff date. This was unacceptable to the credit union so I went on the Hyundai Finance website, created an account, and downloaded a letter which was only for 10 days and did not contain a per diem statement. My credit union called Hyundai on Friday, the XXXX and they said they would email her the letter that day if she could get her manager to approve. This did not happen. 

I believe that they are trying to keep me from refinancing by refusing to comply with reasonable requests.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Debt collection

Hello, XXXX XXXX XXXX, attempt to collect a debt for XXXX XXXX XXXX XXXX, and after speaking to CCS, they explained that they are no longer handling the alledge debt collection for XXXX XXXX on XXXX XXXX 2017 at app.XXXX I 've spoken to their supervisor confirmed they no longer are involved with the attempt to collect. Need it removed from my credit ASAP! Thanks in advance. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit report that I have never lived at or incorrect : XXXXXXXX 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 or other personal consumer reports

TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX XXXX : # XXXX Also please remove the following INQUIRY : XXXX, XX/XX/XXXX, INQUIRY : XXXX XXXX, XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Pennymac was invoiced by XXXX XXXXXXXX XXXX in early XXXX, but didn't send the payment until XX/XX/XXXXXXXX XXXX XXXX  I was informed by my agent that payment had not been received and that my insurance would be canceled at XXXX today unless I paid out of pocket. I made the full payment today to avoid cancelation and the risk/costs associated with being uninsured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries that I did n't authorize.. I have made a number of calls to Trans Union explaining I was a victim of Fraud and it has affected my credit and tax returns. Trans Union refuses to help. The following inquiries are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.