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

I am filing a formal complaint against XXXX XXXX XXXX for inaccurate and misleading credit reporting that is negatively affecting my credit profile. Despite my previous attempts to dispute the inaccuracies directly with the company, they have failed to correct or properly investigate the errors in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Details of the Complaint : Company Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account Number : XXXX 1. Incorrect Account Status My credit report lists this account as a repossession, when in fact, I voluntarily surrendered the vehicle due to lack of proper servicing by the dealer. The report should reflect Voluntary Surrender instead.

2. Incorrect Balance Reporting My report states a past-due balance of {$10000.00}, which does not align with my payments. I request verification and correction if inaccurate. 

3. False Status Update The status update is listed as XX/XX/XXXX, which is misleading because my last payment was in XX/XX/XXXX and no further transactions have occurred. 

4. Inaccurate Monthly Payment Reporting Since the account was closed in XX/XX/XXXX, no monthly payment should still be reported. 

5. Failure to Identify the Current Debt Owner If the debt was sold, XXXX XXXX XXXX has not provided the name of the new creditor, making it impossible for me to verify the debt.
Product: Debt collection

Dear Portfolio Recovery Associates and XXXX XXXX : I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( XXXX ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.
Product: Checking or savings account

Many years ago, XXXX, I had an account at the XXXX XXXX XXXX  in XXXX, New York, which has been dormant since that time. 
That Bank no longer exists and I have no idea who took them over, how much was left in that account, or where those funds are now. 
Can you help me recover those funds?
Product: Credit reporting

XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Prepaid card

After trying to use my US Bank ReliaCard at XXXX different ATMs including a US Bank ATM, I called the number on the back of the card. The first gentleman I spoke to said something about my card being locked for fraud protection. I did not understand him because of the language barrier and it was important for me to understand so I asked to be transferred to supervisor. The supervisor said my card was locked because of fraud protection and that I needed to go through the ID verification process in order to access my funds. She said I had to upload my identification and pictures of myself and it would take XXXX to XXXX business days or I could mail it in and it would take XXXX to XXXX business days after they received the information. I told her that I did not have access to the internet and I needed my money immediately. She said that was no other way so when I asked to be transferred to her supervisor she said she didn't have a supervisor, when I asked to be transferred to the corporate office or information for the corporate office she said that there was no corporate office. I asked to be transferred to a department that handles those affairs maybe they could give me a zoom call or something if I could find a public library and she said no. I told my daughter to start recording the conversation because it was so insane to me that they were holding my money without giving me viable options to get it back. My XXXX daughters and I have recently left a bad situation and are living in my car with little dogs. I had just put my laundry in the washing machine knowing that I could go to the ATM and get money for more quarters to finish the laundry. US Bank ReliaCard holding my money has put us in a potentially dangerous situation. We have no access to water or restrooms, we have no gas to go anywhere, I have no air conditioning in my car with a dangerous heat wave warning for the next few days. My phone service isn't very reliable here with no access to the internet. Today is the XXXX of XXXX so most agencies that might help us are unavailable. We are sitting in a park with no idea where we're going to eat what we're going to do or how we're going to be okay all because US Bank Reliacard decided to hold my money. I did find Wi-Fi to upload the information they needed and file this complaint but it still takes XXXX to XXXX business days to get my money, my money. It's not just a matter of laundry or the XXXX XXXX treatment we needed, or the fireworks I promised anymore, now it's a matter of life and safety. We are stranded in a dangerous heat wave.
Product: Mortgage

My primary mortgage company Ditech was on the verge of bankruptcy processing, my account has been transferred to XXXX started on XX/XX/2019. 

Ditech sent false report that do not match the real monthly payment to new service XXXX, also Ditech sent a delinquent credit report. 

The US Bankruptcy court sent a notification in XX/XX/XXXX, which made me stop 1st check of {$550.00} ( escrow shortages ).  Ditech sent a letter about my mortgage loan service transfer to XXXX around XX/XX/2019, that is the reason to stop the 2nd check of {$500.00} ( the check sent on XX/XX/19 ) From XX/XX/XXXX to now, I called the both Ditech & XXXX many time to seriously state that the two stopped checks all for escrow shortages, not made for a regular monthly mortgage payment, because escrow shortage is optional, as customers like I have the right to choose Yes or No. These two stopped checks does not concern the regular monthly mortgage payment, because of the monthly payment funds {$1400.00} withdrawal from my bank every monththat is pure fact. Also I sent the two monthly payment proof ( the paid check copy and bank statements ) by email and by mail to the both Ditech & XXXX I always asked them to provide a banks chargeback source for XX/XX/XXXX payments, but Ditech could not do provide any documents, and refused to admit that the XX/XX/XXXX payment was counted as credit.
Product: Vehicle loan or lease

I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE XXXX : I made several PMTS to my XXXX XXXX Credit Card over the summer of XXXX to be exact totalling just under {$3000.00}. None of which were ever credited to my credit card acct. I AM OWED OVER {$2800.00} for payments collected but NOT credited to my account. ISSUE XXXX : XXXX seperate company 's XXXX XXXX {$200.00} XXXX XXXX XXXX {$99.00} & {$20.00} fraudulently charged me for products I did not order, authorize, or have knowledge of bringing my XXXX balance back up to {$400.00}. I notified XXXX XXXX of the charges immediately but they were never investigated, reviewed, or corrected leaving a balance on card. My pmt history is perfect up until said charges were reported, why would I jeapordize that pmt history of the charges were in fact my own?
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I need {$130.00} refunded to me from PayPal Dropbox # XXXX, XX/XX/2023. PayPal preventing printout. This amount was deducted from my XXXX XXXX XXXX XXXX checking account and claimed to be from XXXX as a recurring charge. The phone # PayPal provided for this fraudulent charge does not work : ( XXXX ) XXXX. When I explained to PayPal that this was a fraudulent, they stated they would tell me the result of their investigation on XX/XX/XXXX. Instead PayPal in a nano second sent me an email stating it was a proper charge. 
I googled XXXX 's contact email. XXXX responded with an email that they had no record of charging me {$130.00}.
Product: Mortgage

I purchased my home XXXX at that time my lender was XXXX XXXX. After closing XXXX  sold my loan to SLS loan servicing. I received a welcome letter from SLS stating that I would be making my mortgage payments to them starting XXXX. I actually made my 1st mortgage payment to SLS on XXXX. About a week or 2 later I received a welcome letter from XXXX XXXX   XXXX  stating they would be my new loan servicer and that I would be making payments to XXXX. Now mind you by this time I had already made the 1st payment. So in XXXX I call to make my payment to XXXX and they informed me I was late. I explained to the representative that I had made that payment with the old loan servicer. XXXX also stated that SLS should've forwarded the payment to XXXX. So I contacted SLS and they informed me they would forward the payment within 30 days to XXXX. Here it is 2 months later and SLS still has not released the payment and now XXXX has threatened to report me to the credit bureau as late. At this point I don't know what to do because I can't afford to kick out a extra mortgage payment and it seems like SLS will not be returning my payment to me or XXXX. SO PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

American Education Services ( AES ) services my student loan which is through XXXX XXXX. I was unable to track down my account number since my loan had moved from one servicer to another to finally to AES and they had lost track of my details in their system. I emailed them to get my account details so that I could start making payments before payments became due. On XX/XX/XXXX, I called their customer service to resolve the issue. I spoke with their employee named XXXX ( ID : XXXX ) and she mentioned she could not locate the details of my account using my Social Security Number, my name and date birth, or any other details ( I have an audio recording of the call if needed ). Then a representative from XXXX XXXX  contacted me and helped my figure out the details on a conference call with AES. I made the payments in full immediately and have been paying regularly since. As a consumer, I did my part in trying to make payments as required but AES could not help me locate my account details and hence the payment was delayed. 

AES then reported this delay to XXXX in XX/XX/XXXX which led to a XXXX point drop in my credit score. This has had a huge negative impact on my creditworthiness due to which I am not sure if I can apply for a mortgage or refinance of my student loan. 

I have contacted both AES and XXXX multiple times and requested them to correct the error but they have refused to do so. My credit score remains low despite no fault of mine. 

I request you to please help me sort this matter and remove the negative report on my credit. I have been a responsible consumer and have paid all my dues in time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX : acct XXXX XXXX, 2024 {$1300.00} Collection -XXXX : acct XXXX Closed XXXX XXXX XXXX XXXX : acct XXXX XXXX {$860.00} Late XXXX XXXX : acct XXXX Paid Late -XXXX XXXX XXXX XXXX acct XXXX Closed -XXXX XXXX XXXX : acct XXXX XXXX, 2024 {$270.00} Collection -XXXX XXXX XXXX : acct XXXX XXXX, 2024 {$840.00} Collection 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 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. 16815-2 ( 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: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item PNC BANK ( ADDRESS : PNC BANK XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX  XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Product: Debt collection

I was a senior in 2018 living in XXXX Texas. On my Credit there is a {$1200.00} debt for a security system in 2018 in XXXX Texas I believe. I am not sure who used my information and put their system in my name but I would like it off of my credit and corrected. Thanks
Product: Credit reporting or other personal consumer reports

XXXX account # : XXXX XX/XX/2022 XXXX Account # XXXX Date Opened : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2.

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation.

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXX XXXX  XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX  please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a CFPB complaint about the reporting of NELNET LOAN SERVICES INC for account number XXXX and XXXX. This account was reported as 90 days late in XX/XX/2020. This is incorrect because this is deferred and during covid, this account is reporting negative. This account was previously and is currently in deferment. I previously requested an investigation to NELNET LOAN SERVICES and review deferment paperwork as this should not be reporting 90 late. Especially during pandemic and state of emergency. We've had these conversations before and again this issue is overlooked. I never received any communication from NELNET LOAN SERVICES INC that this account was reported as late reason I shocked to see this as 90 days late. This late payment that they are reporting is affecting my credit score. NELNET LOAN SERVICES INC is not responding to my request to investigate I need this inaccurate reporting removed from my credit report.
Product: Checking or savings account

I attempted to close my account multiple times with the bank due to them constantly getting scammed and providing no protection for consumers and they would not close the account, allowing monthly fees to incur. I made XXXX disputes with the bank and requested information regarding any balance and they never provided the information. This has been ongoing for years.
Product: Checking or savings account

Ive been banking with Chase for many years, on the XXXX of XXXX they decided to freeze my account. Keeping me from depositing or withdrawing money which is an essential part of my life. My direct deposit and all my saving account are at this particular bank. They stopped and reversed all of my payments made to other institutions. I visited a branch and was told that I was not allowed to do changes including closing my account. They froze and closed my credit cards as well. Left me with no money having to open new credit lines and loans to get by. I have incurred late charges and my credit score will impacted from this as well. Chase refused to give me an explanation other than they have to power to close accounts to their discretion. All that I want is the money which I have worked for many years to save
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I the consumer XXXX XXXX XXXX went to this dealership to enquire about purchasing a vehicle. 

Upon figuring out the terms it was revealed that i didnt have the capability to pay the loa. Therefore the dealership told me they would not run my credit. 

That was a lie. They ran my credit after saying they wouldnt.

15 usc 1602p states The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Debt collection

I am a XXXX year old college student. I live at home with both parents and have two credit cards. When I was XXXX years old, a minor, someone stole my information and opened a XXXX account. I reported the identity fraud called the collection agency who referred me to XXXX. I spoke to XXXX who made me fill out a pamphlet claiming fraud. The account was removed. Now I have a new collection agency I C system Inc attempting to collect on a debt and claim date opened was XX/XX/2020. Please help me! XXXX is a predator who allows accounts to be opened in the name of minors and do nothing to protect victims!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX  XXXX ( Credit Card ) 3- XXXX XXXX  XXXX ( Credit Card ) 4- XXXX XXXX ( Mortgage Loan )