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

Checking my credit report, I noticed that an account from SYNCB/SAMS ( XXXX ) is being reported with late payment remarks. However, I find discrepancies between reports, as XXXX marks late payments in XX/XX/XXXX and XX/XX/XXXX, as well as XX/XX/XXXX and XX/XX/XXXX. Meanwhile, XXXX reports those late payments for XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX, while XXXX is not reporting any late payment marks at all. These errors and discrepancies lead me to believe that the information reported to the credit bureaus is incorrect. This situation prompted me to file this complaint, disputing the information regarding this account. Additionally, there are discrepancies in payment dates, account opening dates, reporting dates, and last activity dates. This situation makes me think that the company is violating Title 15 of the USC in the following sections : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle. 
15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card opened at 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. These accounts have resulted in several fraudulent items and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : # XXXX I reviewed my Experian credit report on XX/XX/year> and noticed some information is incomplete and inaccurate. 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 not to furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

TILA, FCRA, FDCPA Violations : Wells Fargo Ed. Loans has been misreporting my account to the credit reporting agencies in violation of the FCRA. It also failed to properly administer my ed loan account such that my payment was returned and my deferment request was not processed. My understanding was that my account was in good standing but my account is showing as 60 days overdue when it should not be! 

Please fix this problem as Wells Fargo 's unlawful violations of state and federal law are ruining my credit and my ability to refinance my loans to a less expensive interest rate. 

I have proof that I sent in payments which were returned and that my credit report has incorrect Wells Fargo credit history. The Wells Fargo Executive Team is playing games. I have given all of this information countless times but it is wasting and churning time ( in order to look like it's doing something ). It is apparently going to claim that it knows nothing so it doesn't have to actually do anything. The rep 's number goes straight to voice mail and appears to be set to " Do Not Disturb '' - great trick!! ( People use it when they want to snooze and their desk. Ha - they leave for the day, without doing any work all day! ) I need a resolution asap, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ARE REPORTING AN UNPAID ATT XXXX XXXX XXXX FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Republic Finance filed a wage garnishment against me for a debt that I allegedly owe. This company violated the Fair Debt Collection Act by sending information to a court stating that I owe a debt which violates 15 US Code 1692b ( 2 ). This debt collector also never properly served me notice of the wage garnishment. They also viewed my credit report without my permission, violating 1681b by not providing me with a copy of the credit report and the consumer rights. In violating 15 US Code 1692g, this debt collector never validated the debt before taking adverse action.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Avant and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Avant began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Avant. However, in XXXX I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
Product: Mortgage

In XXXX we were having problems paying the mortgage due to my daughters XXXX illness XXXX XXXX XXXX ). We fell behind in the house payments and in XXXX XXXX we worked with the mortgage company we modified the mortgage to add the XXXX late payments to the end of the loan. Sadly these were phone conversations instead of letter from the mortgage company. We do n't recall signing the documents and would not have signed them had we understood the bank lied and restarted the mortgage instead of the agreed phone conversations to add the payments to the end of the load. In XXXX XXXX we again fell 3 months behind in the mortgage due to my wife 's XXXX. The mortgage was turned over to new mortgage company. In XXXX XXXX the new/current lender stated that the XXXX modification restarted the mortgage instead of adding the late payments to the end of the mortgage. So the problem instead of paying off the mortgage at end of XXXX, we owe {$36000.00} and another 5 years on the mortgage.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I begin.. I opened a loan with XXXX XXXX for an XXXX in XXXX of 2022. After XXXX days with the loan open, I had cancelled with dentist and loan company, as well as did not pick up the product. The loan company was bought out by Westlake Portfolio Management. I have called multiple times and was told my account had been closed, but that was never the case. I had found out recently when being pre-approved for a mortgage that my credit score dropped over XXXX points for delinquency. I called the loan company, and they told me that they could not make any changes and to contact all three credit bureaus. 
I have put in numerous disputes and Westlake Portfolio Management is providing the credit bureaus with false information. First off, my loan was for an Invisalign ( not auto loan - I would like to report fraud ). Second the account was supposed to be closed of XX/XX/2022 not XXXX of 2022, again fraud. Not happy when my credit score is affecting my life before getting married and purchasing a house. I know that this company has been reported before so I figured this process would be simple, but it has been rather frustrating. I need these delinquency marks to be removed from my credit score as they should not have been there in the first place. 

Also, every time I ask for written confirmation, they refuse to give it so I can not provide supporting documents to the credit bureaus.
Product: Mortgage

Bank of American has wasted XXXX hrs of my time between yesterday and today. I contacted Bank of America yesterday about refinancing my mortgage, which included rolling in the HELOC held by Bank of America. I had XXXX conversations with the loan officer and reviewed the hypothetical offer he sent to me, which was exactly what I told him I did n't want. He said they ca n't roll the HELOC into the refinance, and he lied about significantly reducing/almost eliminating the closing costs. So, I called Bank of America today to ask about an increase in my HELOC instead. I 've been trying to get to the right office for over 1.5hrs and I 'm still on hold. They disconnected me twice, they 've transferred me to XXXX different people, and left me sitting on hold for a ridiculous amount of time. I make my monthly payments and they 're not doing their jobs by failing to provide customer service related to my loan. They also refused to answer my questions about a refinance online and they told me I had to call, then they wo n't put me thru to the right department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One. I have called them they can't find my name under my ss number or birthday but they won't take it off my credit report. I send information to them and they still won't take it off. 
I am hoping you all can get it off my credit Thanks You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N C XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 payment was on time. Company acknowledged error over the phone and has never corrected.
Product: Student loan

I began classes in XXXX of 2008 at XXXX years old. As an employee of one of the largest telecommunications companies in the country with XXXX XXXX. A college degree, an opportunity for advancement to better my skills to help support my family. I am currently XXXX and work for the second largest XXXX  company in the country XXXX XXXX XXXX. As a father of XXXX with my oldest being my XXXX year old son who is attending college courses himself. Have never been offered anything other than forbearance on my student loans managed by Navient formerly Sallie Mae. Under some of the original stipulations for loan forgiveness working on the maritime project and install and service high speed Internet. All of the information I received was faults I currently owe over {$44000.00} having never received a degree or been inside of the classroom as every course I took was online.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has no right to be in my credit report I do not now how they were allowed to access my report and put this claim in I never have a n account with these people please remove from my report they are not telling the truth I never had any contact with these people and was not notified of any of this. please remove the {$690.00} collection account that just showed up in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the same accounts are erroneous. TransUnion is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home.
Product: Debt collection

This is with Messerli & Kramer my account number with them is XXXX We had a settlement agreement Case # XXXX CI XXXX in XXXX XXXX XXXX XXXX XXXX. The settlement agreement dated XX/XX/year> was for {$6800.00} paid each month with payments of {$140.00} I paid on time every month and sometimes made multiple payments on some months to stay a month or more ahead of payments. The some how made a claim that the did not receive some payments on time then used that to get a deferred judgement on a higher amount. I have paid {$7300.00} as of today. The thing is some payments that were mailed to them months ahead of time were held and not processed on their end sometimes a month or two or even longer they just sat on them during covid. Some of the payments that were sent months apart were processed only days apart. They had a hearing that I did not know about and lied saying I did not make payments when in fact I did. I have copies of every check and payment. They still say I owe over {$4000.00} when I have actually over paid.
Product: Payday loan, title loan, personal loan, or advance loan

I've had this account for more than XXXX Since 2006 and with a payment of 211 monthly there is no reason I should still owe almost XXXX on a XXXX loan.
Product: Credit card

XX/XX/2023 I applied for Hone Depot credit card and I was denied they said due to the reporting agency XXXX, XXXX stating I have bad credit and number of delinquency and so on. I have real good credit and I have no idea what they are talking about and going on. I have an account with XXXX and I have good credit.
Product: Credit reporting or other personal consumer reports

This is an inquiry from 2016. This information was sent to a third party without my consent.
Product: Mortgage

I have been experiencing financial hardship due to XXXX natural disaster Hurricane Idalia, my area ( XXXX XXXX FL ) has been impacted and declared a natural disaster by FEMA as of XX/XX/23 and my mortgage company is refusing to help with forbearance plan. I have been reaching out to BSI financial since XX/XX/23 to ask for relief as our area has been impacted. No one is willing to help nor try to hear what we are trying to explain. I've been put on hold for more than an hour/ hung up on/ told that I need to let my account go to delinquency / agents refusing to connect me with the person in charge of my case. Once I got the individual in charge I was told that the only way I can get forbearance is if I'm unemployed which is a lie. I'm now one month behind on my mortgage of {$1900.00} and I don't want to have a delinquent account. I've never missed a payment with this company and no one seems to know the law and just wants to say company policy and be dismisses.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach with the major credit bureaus. Additionally, I have companies reporting on my. credit report that I have never done business with. 
A second issue is that I opted out of XXXX XXXX but they continue to provide data on me. I requested they correct errors but they failed to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Prepaid card

I had called net spend earned wage access to gain details regarding the account with my personal information. I had trouble with the representative trying to understand or explain exactly what happened. I did not know of the account 's existence and do know of a reason why it may be opened as other fraudulent situations have happened with accounts of mine.
Product: Vehicle loan or lease

A auto loan was ooenes online by my fathers ex wife she used my name my social but put her cell phone number. Her email. And her address and i been fighting this sinceXX/XX/2016when it happened and nothing has been done..i provided police reports showing she opened many other accounts in my name and that the address that was uses was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you.

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.
Product: Student loan

I had my credit pulled and a was notified that a debt from XXXX XXXX XXXX XXXXXXXX was created XX/XX/year>. There's XXXX charges. XXXX for {$320.00}, XXXX for {$890.00} and XXXX for {$4700.00}. I do not recognize any of these debts. I did not go to college during that time and never authorized loans through the XXXX XXXX XXXXXXXX. Those are fraudulent charges. I want them immediately abolished. I want the institution to acknowledge these are fraudulent charges and absolve the debt. I also want the debts and subsequent penalties from said accounts removed from all credit reporting agencies. This includes but is not limited to XXXX, XXXX, XXXX and all of the FICO agencies.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX