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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX
Product: Debt collection

I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.
Product: Vehicle loan or lease

I called on or around XX/XX/XXXX and spoke with an agent about extended/ refinancing the loan to reduce the payments as they are very high and unmanageable at this time. I was told that I am not able to lower the payments. So I was then told I can receive a payment extension and have the payment deferred until XX/XX/XXXX ( XX/XX/XXXX ) after making a payment of only {$740.00}. I made the payment ( XX/XX/XXXX ) and was told to call back in 24hrs after the payment posted to the account. I called back ( XX/XX/XXXX ) and was told I had to make another payment to receive the extension. After becoming upset and confused I asked the for the issue to be escalated at a {$0.00} fee extension. I called back on XX/XX/XXXX after being told to allow time to process and multiple agents told me although the notes confirm everything I was told ( they refused to listen to the calls ). I asked to speak with a supervisor and was told no! I then asked to speak with a manager who confirmed yes the notes reflect what I was told, all the misinformation and me doing everything I was told to make the extension possible and was told AGAIN to still make another payment to get the extension. I refused to make another payment and asked them to honor the original agreement but the agent hung up on me and when I called the company back another agent picked up and hung up on me again. This is predatory lending and I would like to file a complaint. They are trying to keep me in a bind so they can repossess the vehicle although I am doing everything I can to keep the account current by exercising my payment options. I have attached proof of my payment as well as every time I have called trying to get a resolution for the issue with no help from Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in 1 day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.
Product: Credit reporting or other personal consumer reports

I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA
Product: Credit reporting or other personal consumer reports

XXXX opened a new trade-in for my student loan instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
AMERICAN CREDIT ACCEPT, Inquired on XX/XX/2019. 
XXXX  XXXX  XXXX  XXXX, Inquired on XX/XX/2019.
Product: Debt collection

I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed. 

On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?
Product: Debt collection

I checked my credit account, because I received an alert from XXXX XXXX that I had a debit collection added to my credit. I checked my credit and notice a unfamiliar debt from this company. I filed for bankruptcy in XXXX and it last until I converted it to a chapter XXXX and it was discharged XX/XX/XXXX of all debtors. All my new credit is paid and on time, so I did not take out any credit from this company. Please find out why this company has fraudulent placed this collection on my credit. 
Company name : XXXX XXXX it was placed on my credit XX/XX/XXXX and updated XX/XX/XXXX. 
Midwest Recovery System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Student loan

As per the limited time waver ( 1 year to apply ) from the Department of Education and XXXX XXXX XXXX ( FSA ), I would like to know if my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments will count toward my student loan payment as qualifying months. 
There is proof on file that I was employed by the XXXX of NY for this entire time. Although this was passed in XX/XX/XXXX, no payments have been added to my account. I mailed you the application and I received a letter months later stating that I did not sign the application. I have since mailed you back another signed application and still my account has not been updated. 
I have been calling since XX/XX/XXXX and was told that XXXX is updating my account. To which XXXX stated that Fed-Loan is supposed to update the account. I have called to see when this account would be updated as of today, I was told that it would be another 6 months. 
I would like for this account to be updated as soon as possible. Thank you for your time and cooperation.
Product: Debt collection

On XX/XX/2022, I received an XXXX for XXXX services through XXXX XXXX XXXX XXXX XXXX. They charged me {$200.00} for this service. 

On XX/XX/2022, my insurance company, the XXXX XXXX XXXX XXXX, through XXXX, provided an explanation of benefits where my member rate for this service was reduced to {$130.00}. There were other services on this EOB. 

On XX/XX/2022, I received an invoice for the services in the above EOB without the the {$130.00} listed. Total bill was {$250.00}. 

On XX/XX/2022, I paid the {$250.00} in full via the XXXX XXXX XXXX XXXX 

From XX/XX/2022 to present, I received only 2 statements, one for {$30.00} and one for {$45.00} ( which was for the original {$30.00} plus {$15.00} more for other services ). The total {$45.00} has been paid off. 

Approximately XX/XX/2022, I received a debt collection letter from ARSTRAT, associated with XXXX XXXX stating that I owed {$130.00}. 

On XX/XX/2022, I called XXXX XXXXXXXX XXXX finance department to get a better understanding of why my bill to ARSTRAT for debt collection. I checked the XXXX XXXX XXXX website which showed that I had a {$0.00} balance. I checked all the online invoices which did not list the {$130.00} owed in any invoice. Additionally, my personal setting shows that I should be receiving invoices via email. The individual stated that XXXX XXXX had sent me 3 paper invoices ( which they chose to pick email/online invoices and did not provide me ). The individual confirmed that I had a {$0.00} balance owed to XXXX XXXX and could not provide any information as to why I did not receive any email invoices. I did not receive any paper invoices from XXXX XXXX and believe it wrong that they sent my claim to debt collectors. 

I requested to talk to a supervisor to have XXXX XXXX to put the {$130.00} back into the XXXX XXXX XXXX XXXX so that I could pay for it. I explained that it was improper for this to be sent to the debt collectors. 

I request the CFPB contact XXXX XXXX to move the debt from ARSTRAT to the XXXX XXXX system. I request that CFPB find out why the {$130.00} was not included with all the other payments I made this year. I also request that CFPB find out why my online profile shows I am receiving email statements and allegedly XXXX XXXX decided to send this one payment invoice via regular mail, which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " XXXX XXXX '' " Exeter Finiance LLC '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida
Product: Vehicle loan or lease

XX/XX/2021 around XXXX o'clock in morning my vehicle was repossessed by XXXX XXXX XXXX. Credit acceptance violated my consumer rights as federal protected consumer I never discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under. They never given consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I never gave explanation of how the consumer can exercise that nondisclosure they did not follow the law. Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I fear for my life disclosing my personal information to nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 a account without my written in
structions
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

Freedom continues to provide an inaccurate payment history which is needed for my current refinance. I have spoken with Freedom on numerous occasions to resolve and they continue to provide an inaccurate payment history. 

Freedom responded to my previous complaint citing the following : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the information being delivered to the credit reporting agencies ( CRAs ) for your XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX payments, as well as your XX/XX/XXXX payment. After review, there is no issue with the way these months are being reported. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. All three payments were paid late so they are being reported accurately. After your XX/XX/XXXX payment of {$1600.00}, there was enough money in your unapplied funds account to make a second payment, satisfying your XX/XX/XXXX payment and bringing your loan current, so XX/XX/XXXX was reported current. XX/XX/XXXX was paid on XX/XX/XXXX and XX/XX/XXXX was paid XX/XX/XXXX so these three months were reported accurately as current. If you have proof from your bank that you made more than one payment in any of the months above to bring your account sooner, please submit it so that the issue can be reviewed further. If you have questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX to XXXX and Saturday XXXX to XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights. 


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 a account without my written instructions
Product: Vehicle loan or lease

In XX/XX/XXXX I certified mailed a dispute letter to Ford Motor Credit /XXXX  to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of a electronic contract with e signatures, and bill statements saying they verified the debt. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and BBB hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX XXXX write this complaint for the second time. EXPERIAN is still reporting inaccurate information on my credit report. I sent a personal information dispute letter on XX/XX/2023 via certified mail and made several attempts to call in correct my personal information. I was told it will be fixed within 24/48hours of calling Experian as I looked at my credit report on XX/XX/23 nothing have changed. This make three months my information is still reporting inaccurate. I sent a copy of my ID identification card showing my correct spelling of my name and a utility bill for proof of residency showing my correct address. My name show be reporting as XXXX XXXX XXXX not XXXX XXXX. My should be XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX no EMPLOYER show be lost as asked in my personal dispute letter.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma guarantee payment for credit card disapproved aplications fraud.. they guarantee an easy approval or a reward on theyre behalf. But fail to come thru after you compromise your credit with hard inquiries on your record and your info being used by others to open up loans with your credit.
Product: Debt collection

XXXX XXXX has filed XXXX collections reports against me on my credit report for a debt I have not incurred. I do not and have not had an account with them. I havent received any communication from them either. I disputed the first XXXX with XXXX and it was taken off my report after 2-3 weeks. The last one I disputed, the very next day they said the debt was verified. Thats impossible since I never opened the account and dont have any business with XXXX XXXX. I dont have any documents to attach as Ive never received anything from the collection agencies or XXXX. This just keeps showing up on my credit report.