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

I recently pulled my credit report and realized my auto loan was showing 30 days late all of 2021. I called the company said that I have missed a payment making all payments forward late. I have not missed any payments last year. In fact, several payments were paid a few days earlier which they applied to the same month making the next months payment late. I explained to them they made a big mistake and it is affecting my credit now. They said they did not make any mistakes. I have all payment history backing my statement. I also have put several requests in to speak with a manager with no return calls. I would just like help solving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Im a victim of fraud. I realized this account been on my credit report after realizing XXXX had to credit file for me. I tried calling the company but I been on hold for an hour or two for months. So, I informed the credit bureaus with my police report that this account is not mine. It has been deleted and blocked from XXXX and XXXX ; however its still reporting to XXXX. The account number associated with the account is XXXX. This is the information off the credit report. I never open an account with this company. I spoke to someone with Moneylion finally on Tuesday XX/XX/2019, and I couldnt get any resolution. This company is ridiculous. Also, XXXX have police report on this item and will not remove fraudulent item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my student loans serviced through XXXX from a consolidation in XX/XX/XXXX. In XX/XX/XXXXXXXX  I started receiving alerts from all three credit bureaus regarding my credit score plummeting and a high debt ratio. Upon checking all three bureaus it was revealed that XXXX had reported my {$69000.00} account twice. I have only one account with XXXX. I put disputes in to the bureaus and notified XXXX. By mid XXXX I called XXXX again and was informed by the Resolutions Department that matter would be handled at the end of the month around XX/XX/XXXX stating the one account would be " taken off " or put as " paid in full '' because that is when they report to the credit bureaus. I waited until XX/XX/XXXX and checked with nothing changing on my reports I contacted XXXX again. The Resolution Department Representative looked into the matter and explained that they only had XXXX account, but when I told the rep that the accounts had different numbers with the same balances she looked again. She then said that one of the accounts was the initial consolidation loan and it should report as {$0.00}. I told her it says that, but it says '' paid as agree '' making an open account. The rep placed me on hold and then returned stating that everything is good on their end and to check with the credit bureaus on Monday. I kept my composure on the matter that is completely unacceptable although I am completely upset. 
XXXX refuses to contact the credit bureaus and rectify the matter correcting their reporting error. Pure laziness. XXXX seems to be racking up loans to collect interest for XXXX reinstatement since the Department of Education suggest to that many borrowers refinance to qualify for forgiveness in XXXX. They are greedy and will ruin your credit in order to keep ghost accounts to have active accounts to collect interest in XXXX. Consolidating with them has been the worst decision I have ever made. XXXX is terrible and will damage your credit never correcting the wrong they have done. Borrowers beware.
Product: Debt collection

Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character
Product: Credit reporting or other personal consumer reports

I recently got a score drop and noticed on my credit report a fraudulent account added to my report as a collection
Product: Mortgage

i bought a house in XXXX XXXX thru XXXX with pmi to be canceled in 5 yrs. citi group took it over in XXXX of XXXX 3 weeks after I bought appraisal was {$420000.00} I paid {$330000.00} and borrowed {$290000.00}, citi jerked us around playing with escrow for three years its fixed XXXX. for 30 years. I reached my 80 % to original purchase price several months ago I now owe {$260000.00} I asked a year ago for pmi cancellation was told they would keep it on the entire length of the loan. XXXX XXXX automatic payment had a typo they called us we corrected it immediately I asked again for cancellation they said they were going to show XXXX XXXX late and I couldnot cancel if they had of honored ambro my original loaners XXXX part of the citi group XXXX it would have cancelled in XXXX of XXXX ive not been late in the entire loan time and would like to get pmi cancelled they are playing very dirty they said now it would be home value as of today not the original loan price can you help? ive paid pmi since XXXX XXXX never late they said they seen the typo and would not show it late because we sent in that day the required amount help please. thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is closed and the account removed about a year ago from my reports. Now it is added back after the co. Sold the account. And the Company that bought it is also reporting it and giving a different amount that was owed and open status and a brand new date for this account as to when it was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Hello, Beginning back in 2009 I received student and parent plus loans for my XXXX children to attend college. I was told the loans could be consolidated into one low monthly payment eventually and was encouraged to take out more money each year to cover cost of tuition and housing. The loans were then consolidated into one loan with a servicer called Navient. The total amount due at the time was about {$60000.00} dollars. I was told the payment was going to be well over {$600.00} dollars a month. I explained that was not something I could afford with all of my other monthly bills and asked if I could pay half that amount each month. I was told that if I paid less than the monthly amount that they set Up of {$600.00} I would go into default and they could have my wages garnished. I had no choice to defer my loans and then they charged me each year {$4000.00} for deferment cost. I would call back often to try to come up with a reasonable payment and get myself on top of this with no avail. When my loans finally got transferred to the department of education I hired an independent company to get me a reasonable payment and sign me up for the PSFL program that was available. I began making reasonable payments and then Covid hit and I was unable to pay but the loans were not due at this time. I feel Navient was unreasonable and defrauded me and now my loan has grown to over {$130000.00}. I have been a public service worker for over 25 years and if I had been able to pay the reasonable monthly payments all of my loan would have been paid off by now. I am asking that Navient clear all of the remaining balance of my loans.
Product: Credit card or prepaid card

I didn't received a billing payment that month and that created a late payment.
Product: Credit card or prepaid card

I received a letter on the XXXX of XXXX stating that my account TD Retail Card account number XXXX was past due., I called customer service to advise them that the account was set for auto payment. Unknown to me, when I paid off the previous balance and made a new purchase, I was supposed to re-setup auto payment. I don't care too much about getting a refund on the two amounts I listed on the form, my foremost concern is a late payment on my credit report and the effect it will have on my ability to purchase a house, with I'm in the process now. I need your help in removing this late charge. Their statement states that you can set up a one-time or recurring payment, but there is nothing about doing it every time you pay off the account. 

Thanks.
Product: Credit card or prepaid card

I applied for a Capital One card three times. The 1st Two times I was advised that they could access my credit report. I didn't have any blocks on my credit file. So I applied again assuming that this was a mistake, They declined the 2nd application for the same reason. I called capital one to have them reevaluate the applications both times. So effort was made, no underwriter review, just another decline email seconds after the representative on the phone advised that the application would be reviewed, This inquires really hurt my score, I went to each credit bureau and they all pulled my credit and lowered my score. I had sufficient credit data and a pretty good score, Capital didn't decline me due to credit worthiness, they have some stupid glitch in there system and i'm paying for it. 3 declines later still no card approval
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/21 ) I checked the " Social Security activity '' option for my " Credit journey '' within my Chase bank account. I noticed that an individual I have never met had their name and addresses under my social security number. 

I read that this person had begun their activity under my SSN on XX/XX/21 and had address updates under my SSN on XX/XX/21. 

This is the only activity I have noticed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, NCB MANAGEMENT SERV acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates, XXXX, XXXX, XXXX, XXXX
Product: Debt collection

I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my account.
Product: Student loan

I submitted PSLF paperwork for a job I held as an XXXX XXXX  in an XXXX XXXX setting. I worked in that setting for XXXX XXXX as I was repaying my student loans back. When I submitted my emploment verification, I was horrified to learn that none of my years of paying loans would count at that particular school because the company that ran the school was a for profit company. 
We have been fed this story that charter schools are public schools for years. They serve the same populations of students and their families as the more traditional public schools and yet none of my loan payments qualify for forgiveness. 
I think this was a huge oversight on the part of lawmakers. many XXXX XXXXmployees with no say so in the number of charter schools we have in the community will be financially crushed because of this.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY DUE TO THE RECENT DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX XXXX Account # [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] -Account XXXX XXXX XXXX XXXX Nature of Dispute : [ fraudulent accounts ] [ Inaccurate information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 


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

Hi my name is XXXX XXXX since XX/XX/XXXX Trans union is not reporting anything on my account and they removed all my history I have ther now a XXXX score it use to be around 760. I called them multiple times they told to tell my lenders credit cards car loan mortgages to report I called them all they told me that they sending it to all 3 bureau the other 2 still reporting it only Trans union not. I called back Trans union they keep saying that tell the bank to report by us. But they all telling me they doing it to my account for last 23 years y should we stop ots Trans union problem. But they ignoring me and it hearts me yo take out a loan ..I uploaded to show you that on XXXX they removed everything..let me know what I can do..thanks so much
Product: Credit reporting or other personal consumer reports

I recently applied for tenancy at an apartment complex that is serviced by this company for true and accurate background and credit reports. This company did in fact Maliciously and with premeditated purpose did furnish said establishment with erroneous and false verified and or outdated information. This company supplied that it was supplied these facts by XXXX XXXX XXXX supplied information was the sole reasoning in me being denied tenancy. I reached out to the companies seeking relief and to rectify their mistakes only to be meet with disregard, no account to rectify or accept responsibility, and no compliance to uphold the FCRA. It is their responsibility to provide their clients with true and up to date facts and thus far they have not done so. Under the FCRA they have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 my car loan with Ameris Bank was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called Ameris Bank multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit bureaus in regards to identity theft that was done by dad. I had been trying to get this removed for the past 5 years and have had no luck until recently after contacting a law firm. 
I contacted Transunion on XX/XX/2020 in which they signed for the receipt of my package. 
I included everything I have attached here to which they said the information I submitted was declined and the fraudulent accounts would remain on my credit file. They returned this letter to me XX/XX/2020. 
All of the fraudulent accounts are listed on my FTC identity theft report which is attached. 

Tracking number for my correspondance to them is : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Department po box XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Account Number : XXXX Dear XXXX  Dispute Department, I am writing to dispute inaccurate information contained in my XXXX credit report regarding the account listed under [ Creditor Name ] with the account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information on my credit report. 

Upon reviewing the payment history and status of this account, I have identified several inaccuracies : XXXX. Multiple Charge-Off Entries : The payment history section reflects charge-off notations for multiple consecutive months, including XX/XX/XXXX to XX/XX/XXXX, as well as prior months in XXXX and XXXX. This is inaccurate because a charge-off is a one-time event and should not be reported repeatedly across several months. This misrepresentation negatively impacts my credit profile. 
XXXX. Duration of Reporting : The account shows charge-off entries spanning a prolonged period without clear explanation or substantiation, contrary to FCRA guidelines requiring accurate and complete reporting. 
XXXX. Conflicting Information : The status of this account is unclear. While it reflects repeated charge-off statuses, no specific updates or adjustments are shown to account for ongoing payment activity. 

Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I am requesting the following actions : Conduct a full investigation into this account to verify the accuracy of the charge-off reporting. 
Remove or correct any inaccurate information regarding the charge-off status. 
Provide me with a written explanation of your findings and actions taken. 

For your reference, I have attached a copy of my credit report highlighting the disputed inaccuracies. 

Please note that the FCRA requires credit reporting agencies to investigate disputes within XXXX days and provide the results. If the information can not be verified, it must be removed or corrected under 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your prompt attention to this matter. I look forward to receiving a response regarding this dispute. If you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX This letter includes specific inaccuracies and references relevant sections of the FCRA to support your dispute. Let me know if you need further refinements!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my unemployment account through Bank of America was compromised for {$260.00}. I called Bank of America and filed a complaint and they closed the account and sent out a new debit card. I received 1 payment first week of XXXX, and then Bank of America froze my account. I was told to fax ID to Bank of America fraud dept. which I did. On XX/XX/2020, I sent copy of my ID and Social Security card, front and back, to Nevada unemployment. On XX/XX/2020 I received a call from Nevada unemployment fraud dept. to verify my identity and was told 5 to 7 days my account should be open. On XX/XX/XXXX, I was sent the ID me online verification, completed. Called both organization rest of the month to be redirected to each other. On XX/XX/XXXX, I called NV unemployment and was told they had re-submit my info to have my account reopened to Bank of America and it would take 2 more weeks. Talked with both today to be told the same thing, NV unemployment says they sent the request, Bank of America says they have not received anything from unemployment. I have been in this loop for too long and account still frozen. Please help.