23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus
Product: Mortgage

Please provide the information we need to keep your complaint moving. 
We need your help to : Clarify the details of your complaint by phone. 
Please Provide : The information needed by calling us. 

In most cases you can answer this information request on this page by submitting documentation with the needed information below. In other cases, you may need to call us. If we have asked you to call us, please contact us at ( XXXX ) XXXX, XXXX XXXX - XXXX XXXX Eastern, Monday Friday. Be prepared to provide your complaint number, contact information, and the information requested above. If we dont receive the needed information from you within 45 days, we will have to close this complaint. 

The sooner we hear back from you, the sooner well be able to move forward with your complaint. 


Include copies or photos of documents related to your issue such as contracts, statements, letters, and receipts. Once you submit your info request response, we will forward all materials to the company for review. These attachments will not be added to your complaint until you submit your response using the Submit information request response button below. 

Due to congestive XXXX XXXX and shortness of breath I am unable to talk on the phone, I hope you don't use this against me. I don't have long to live because my blood blow is decreasing and I can not believe you accepted SPS response, I offered a plan but apparently you and SPS rejected it, I can not afford the high payments because I am on a medication remedy per doctors and the medicine is very expensive. Please I don't know how much clearer I can be, what kind of answers are you looking for, in the resolution box I offered to pay XXXX dollars a month until I get straightened out. I was hoping you would help me. 

To clarify what I want is the following : A lower repayment plan that I can afford. 
A new refinance with a lower interest rate. 
That I want to keep my home and avoid foreclosure. 
Have SPS come up with some options as stated in two of their emails sent to me. 
Follow through with XXXX assistance form. 
Call my doctors to hear their explanation of my XXXX XXXX.
Product: Checking or savings account

The morning of Friday XX/XX/XXXX, I received a notification I needed to verify my identity to keep my bank account open with XXXX. I had just gotten this bank account a couple months earlier, it was already verified, and working fine. I used it only for normal transactions like shipping in stores and online, and all my app/web subscriptions. 

The notification said I had until XX/XX/XXXX to verify my identity. It said when I start the process which should take less than 10 minutes, my account will not be accessible until I complete verification. I completed it the first time, where each step has no inputs to answer their questions. I tried again, and it allowed me to submit my drivers license. It got to the end and did not verify. I tried 2 more times and it still didnt work. I was locked out of my account. I couldnt access the Help Chat because I was locked out of the app and the website. 

The email that notified me of needing to submit new identity verification said I could reply directly to the email for help. I did so and got no reply. By nighttime I got an email telling me I was almost done applying to start an account with them, and apparently I no longer had an account with XXXX. They clearly deleted my account without any reason or warning or info. 

I checked online for all their Terms and I didnt break any of them. This is my ONLY bank account and Im in the middle of a huge business deal, this has been a really terrible experience and I found out tons of other people have had the same bad experiences with no help. From other complaints Ive read, anyone with this issue has had their money lost to XXXX and no explanation or customer support.
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. XXXX XXXX XXXX XXXX  U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.
Product: Credit reporting or other personal consumer reports

I'm a XXXX  while on XXXX XXXX in the field my car was repossessed which is against the law without a court order This is being reported as a delinquent account with no payment from XXXX XXXX XXXX account number XXXX XXXXXXXX Also this bank never sent a notice of Redemption or a notice of DEFICIENCY. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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.

1681s-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. The accounts that are in violation of my rights 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
Product: Debt collection

I tried to call collections to see when the account started and what items where purchase and wanted to know the agreement and if it was purchased online or in store because I didnt make the purchase but my info was used they couldnt provide me that info all they could do is offer me a reduced price to pay since my info was used but couldnt give me valid info i needed to find out who and what was purchased!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Payday loan, title loan, personal loan, or advance loan

Lendly is charging a much higher interest rate than was I was told during the application over the phone. The entire process was over the phone and when I asked for validation of my loan and comments to see my interest rate it was XXXX %. The Michigan XXXX loan maximum interest rate is 25 %. I send the Michigan XXXX statutory law to Lendly and asked for a reduction to the state maximum and was completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts have appeared on my credit reports, both are fraud. 

XXXX  XXXX account for XXXX XXXX XXXX XXXX for XXXX
Product: Credit card or prepaid card

When we go online we can not see our transactios .This has been going on for over a month. We have called XXXX several times with no results .All they tell us is that they are working on the problem and amazingly, they do not know when the problem, with not being able to see transactions, will be fixed. A company as big as XXXX and no one knows how to fix this problem. I have sent emails to a XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX at corporate with no response from any of them. I think my days of being a customer for over 10 years are coming to an end ... ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I sent in Letters to each of the consumer agencies to update my report with the correct relavant information. they did not delete the outdated, incorrect, irrelevant information. instead they just sent me a letter with the report still reflecting the wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting incorrectly a balance of {$130000.00} to XXXX  and Transunion on the XXXXXXXX XXXX XXXX  partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX  has removed this line item and I respectfully request that XXXX  and Transunion remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.
Product: Debt collection

I have been getting spammed with debt collector since XXXX. Since Im currently going through financial hardship its been extremely hard and stressful for me to provide just food and rent let alone pay debt. Capital one and XXXX XXXX have been calling all time of day some as early as XXXX in the morning to random time like XXXX. I ended up blocking most of XXXX XXXX number but a few still pop up. Capital one has no restraint and presses with phone calls and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting my XX/XX/2017 bill as 30 days late, however, the payment was not late. The bill was due on XX/XX/17 and was paid on XX/XX/17, which is 12 days. XXXX XXXX and Experian refuse to correct the issue.
Product: Mortgage

In XXXX of 2020, we refinanced our VA mortgage loan. The broker who wrote the loan immediately sold the loan to Freedom Mortgage. We had the loan set up for automatic debits on the first of each month. The payments were automatically debited as agreed until XXXX when unbeknown to us Freedom stopped debiting the monthly payments. We learned of this in mid-XXXX when we received a statement noting a " Bankruptcy Notice. '' We have NEVER declared bankruptcy and were stunned. After a considerable amount of effort and being repeatedly told by Freedom they could not discuss the matter, we spoke with someone at Freedom who shared the details of the bankruptcy filing. The names did not match ours, the address did not match ours ( it was in another state ), the Social Security numbers did not match, and the loan number did not match. Despite all of these irregularities, someone at Freedom chose to put the erroneous information into our file and report the fraudulent bankruptcy to the credit reporting agencies. Our credit rating plummeted. And Freedom marked our account as " delinquent. '' They keep taking payment information over the phone but never processing it through our bank, deleted the automatic debit information, and refuse to reinstate it, continue to list our account as delinquent even though they have what they need to receive payment, and refuse to correct the erroneous information conveyed to the credit reporting agencies.
Product: Credit reporting

Equifax at every turns fails to provided accurate information on there credit file when we called XXXX they failed to give the correct information instead Equifax provided them with the information Equifax considers a screen shot that the have my name and information as they have the verified the information even though they are aware that there is fraud on my file I have provided them with as much information as I can and it is still not enough they just open a new dispute and refuse to remove the information unless it removed by the company that is paying them. they tell me to upload the information for a dispute but I can not do that and when I was able to they some how lost it. Equifax has the information via CFPB to remove this account there is not more verifying needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my credit report.
Product: Checking or savings account

I got charged a XXXX dollar return fee in XXXX. Because Bank of America approved a big transaction which is XXXX to make my account become negative status. But when I opened that account. I already choose close overdraft function which is no one can take my deposit if my deposit not enough to withdraw. So I called Bank of America rep. They said they will waived that fee because this is my first time. But I need to deposit enough money to make account has enough money. It is weekend. I can not transfer that money during the money. So I called them next week during business day which has enough money in my account. But their manager XXXX is very rude to me. She changed her mind. She said she can not refund the fee for me. They promised they can refund my money. They should honor it. If they did bait and switch every time. How can they let customer trust them in the funture.
Product: Debt collection

I have gotten repeated calls from AWA collections during the day and night. Every time I have spoken with them they threaten to take me to court or have me arrested for fraud which has caused so much XXXX  I don't eat can't sleep. They are very persistent and when I filed a complaint with XXXX  trying to tell them that this debt does not belong to me nor do I even know what it is for. All they did was update the information I was complaining about with AWA instead of removing it from my report because it was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

I called and told them the account was paid up through XXXX and I owed no account and the lady told me that it would stay on my credit report even after I told her to contact XXXX and that they said I owed nothing. I filed a dispute and it was rejected. 
This is the company below that claims I owe money to XXXX when XXXX says I owe nothing. 


CONTACT INFORMATION XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMCOL SYSTEMS, INC sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still AMCOL SYSTEMS, INC accounts on my credit report with XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXA ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; CXXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Product: Debt collection

ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', XXXX XXXX, COMMONWEALTH FINANCIAL SYSTEMS,  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.REMOVE ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem