23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have noticed an issue within my credit reports through XXXX, XXXX, and XXXX in regards to my account with Navient. I am currently showing a 90 day late payment from XX/XX/XXXX. This payment was late due to an error in the transition of XXXX XXXX to Navient. Prior to the transition, payments were made on time monthly which is evidenced by my account history. Due to issues with the transition, automatic payments were no longer being pulled and I was not aware of this. The lack of automatic payments caused by the transition led to the account being 90 days late. During that period, I never received any correspondence showing the account to be late. There was never anything in my inbox showing this and no emails ever notified me of it being late. I only realized it once I received my first ever account statement from Navient, in XX/XX/XXXX. At this point it was already 90 days late. I immediately scheduled payment to make up for the missed payments and kept the account current until it was closed through consolidation in XX/XX/XXXX. I am requesting that this information of a 90 day late payment be removed from XXXX, XXXX, and XXXX. Navient/XXXX XXXX did not do their part to ensure my account was kept current nor did they notify me when they canceled the recurring payments. This has led to a very negative ding on my credit profile that has led to a number of issues for me personally. Since this account is no longer open and unfairly hurting my credit, I would like for it either to have the 90 day late removed or remove the account completely from XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

AMEX HAS A INQUIRIES ON MY XXXX CREDIT REPORT THAT ARE NOT MINE
Product: Checking or savings account

I went to go use my card at the gas pump, havent used my banking card all day today, and then all of a sudden I cant use it. I did receive a refund for my student loan into my XXXX  XXXX bank and I XXXX  it over to my XXXX account and used it for personal stuff and also I started investing through an app called XXXX. Thats about it. They wont tell me why its frozen but thats the only reason I can think as to why but without a reason, I cant fix it. The customer service I received was absolutely horrible
Product: Consumer Loan

Ally Financials need to spelled my name right. Which is XXXX Also, I have been send a reminder notice of payment when I still have until XXXX to pay my bill. I personally call at the beginning of the loan and request for my due date to be move from the XXXX of every month to the XXXX of every month. I get paid on a Bi-Weekly basis and the payment is set automaticly for it to go on XX/XX/2016 and a payment of {$300.00} has been set. I do not understand why this company is harrassing me so much when I have always paid like this. I do n't understand why they are charging me so many late fees when I have paid. They move my due date to the XXXX of everymonth and after this day is when the late payments should be posted not before. Why they have not post a reacent payment of {$260.00} that I made on XX/XX/2016
Product: Student loan

I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of FCRA Violation and Request for Corrective Action Dear Sir/Madam, I am writing to formally notify Fifth Third Bank of a serious issue regarding my credit report that appears to be a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered inaccurate and falsified information regarding my payment history with XXXX XXXX XXXX. 

Specifically, the payment history on my credit report reflects discrepancies that do not align with my actual payment records. This erroneous reporting has significantly impacted my credit profile and has caused undue harm to my financial standing.

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) ** : Creditors and furnishers of information to credit bureaus are required to provide accurate and complete information. Intentionally reporting false information or inaccuracies is a violation of this section.

2. **Duty to Correct and Update Information ( 15 U.S.C . 1681i ) ** : Upon discovering inaccuracies, the furnisher of the information ( creditor ) must investigate and correct any inaccuracies within a reasonable timeframe.

3. **Prohibition of Reporting Information Known to Be Inaccurate ( 15 U.S.C. 1681s-2 ) ** : Creditors have a duty to provide accurate information to credit reporting agencies. Knowingly reporting false information or failing to correct inaccurate information is a violation of this section.

4. **Willful Noncompliance ( 15 U.S.C. 1681n ) ** : If a creditor willfully fails to comply with any requirement imposed under the FCRA, they can be liable to the consumer for actual damages, punitive damages, and attorneys fees. 


I kindly request that XXXX XXXX XXXX  takes the following corrective actions promptly : 1. Conduct a thorough investigation into the inaccuracies in my payment history that have been reported to credit bureaus.

2. Rectify and update the inaccurate information to reflect the correct payment history. 
XXXX. Provide me with a written confirmation once the corrections have been made and ensure that the updated information is reported to all major credit reporting agencies. 

Additionally, I request that XXXX XXXX XXXX  provide me with any and all records related to the reporting of my payment history to credit bureaus, as allowed by law. 

Please be advised that failure to address this matter promptly and appropriately XXXX result in further legal action to remedy the damages caused by the inaccurate reporting. 

I expect a response within 30 days of receipt of this letter. Your immediate attention to this matter is greatly appreciated. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my balance in full to pro collect. Every time I contact them they say they arent reporting the information that equitable is. But XXXX says I need to call them! The amount is paid in full and the account is closed. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has a XXXX XXXX XXXX through GM financial. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. GM financial said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at GM financial and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX  XXXX  and have been loyal gm customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and GM fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another GM vehicle again unless GM fixes this.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The 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 accounts that i have included screenshot inside this complaint in on dates of XX/XX/22 .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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Checking or savings account

{$1500.00} were accidentally transferred to an old closed TD Bank savings account on XX/XX/year> from my XXXX checking account online. The funds were successfully transferred, but were never returned to XXXX. I called TD Bank and was instructed that because the account was closed the funds would return to my XXXX account in 10 days. After 10 days, I went to the TD Bank branch with information about the account and was informed that the funds did not appear. The representative took my information and sent information to a department for them to respond to her by email the next Monday ( XX/XX/year> ). She instructed me to come back on Monday to resolve the issue. I returned on Monday, she was not at the branch so I met with another representative and a manager at the branch. I provided them with the account information... they asked me for the routing information that was given to XXXX. So, went home to retrieve it. When I returned they informed me that there was nothing they could do without even research the ACH system/department with the routing information along with the old account number. When I contact my bank, XXXX, they informed me that I need to get assistance from TD Bank. When I speak with TD Bank, they inform me that I need to get assistance from XXXX. It seems no one knows where my money is or cares. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this accounts, XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report.

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 or other personal consumer reports

My credit score went back up after I filed my dispute here to restore my credit history then today it dropped randomly XXXX points although another payment to the card was made. They did not restore my credit history as they were supposed to as XXXX XXXX iwas supposed to inform them that the error was on their part by inputting the wrong code when re-reporting the card history. The card was never closed. Not sure why the misreporting is since the card is over XXXX  months old and so are the payments. Im trying to buy a house! I cant keep doing this. Im going to end up taking you all to court
Product: Credit reporting or other personal consumer reports

I contacted to request a permanent removal of my active permanently. I kept getting a runaround. There was asking me questions that didnt address to me. I dont know nothing about nobody else. I can only answer for myself and they was very rude and they hung up on me all monitor call times they picking up not saying anything And all I want to do is get this removed I tried to do it online, but the system wont allow me is not working. And Im very frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing updated charge off date as recently. this account has been settling and paid, this company constantly reporting inaccurate information and still showing charge off. I have attached this email and will provide a letter from collection company I paid to settle this debt. I have disputed this information with credit burau and only update is showing is unpaid charged off.
Product: Credit reporting

Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT HAS SHOWN THAT IS CLOSED. HOWEVER IT IS INCORRECT NOT REFLECTING A XXXX BALANCE. THIS IS INTENT TO DEFRAUD. XXXX IS NOT FOLLOWING CONSUMER LAW. INTENTIONALLY CAUSING DUE HARM.
Product: Bank account or service

I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.
Product: Payday loan, title loan, personal loan, or advance loan

I pay all of my bills at the same time every month. I go through a checklist and mark each paid as I go. I have zero late payments on my credit history and am very meticulous about my credit. 

I had a loan with Chrysler Capital for a car lease. I've been with them for almost 6 years and you can see my history with them is impeccable. I'm always on time. 

I'm not sure exactly what happened in XXXX, but I paid my bills like usual and for some reason this payment did not go through. I'm assuming a technical error on their end. It did not have to do with the money in my account as I maintain more than enough in my account to cover XXXX payments. 

I did not notice this happened at the time. I found out when it was reported to a credit bureau and my credit monitoring alerted me. 

In that time, Chrysler Capital did not email me ( even though they email me for everything else ), send me a letter, or call my correct number. I literally changed my number with Chrysler Capital 5 times over the last 5 years. They called my old number that I keep trying to delete, even with them on the phone. They are completely incompetent. 

So they can't do something as simple as call the correct number that I changed 5 times, or email me, even though I have been a loyal customer to them for many years. 

I have called them several times and spoke to several people that were very rude ( I was nice as pie ) that all told me they can not remove this blemish from my report. 

On top of this, I am trying to move my family out of a bad area and buy a new home and now my mortgage rating dropped from this one blemish and I am unable to buy a home. With the new rate because of the drop in my credit score, it is unaffordable. 

Chrysler Capital has been horrendous through this entire process and can care less that they ruined someones life because of an error on their side and their incompetence to inform me of the error and late payment. 

Because of this, I will never purchase a Chrysler, XXXX, XXXX again and I will make it my duty to make sure anyone I know stays away from this terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX  the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. Experian continues to report erroneous reporting and is not correct all payments are and have been made correctly Experian continues to report erroneous information which is damaging my credit at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called Mercedes Benz financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.
Product: Checking or savings account

On XX/XX/XXXX i was paid by check for some work i had done for this person. I checked her id and it matched the check. Come to find out it was fraud. I didnt know this. This person also got a hold of my card and used twice. I checked my account on the first when i was suppose to get my va XXXX and was told to call in. I explained everything to them and they told me funds would be released once i got them police report number. I called the next morning with what they asked for and was told my account would not show deposit until tuesday and it was saturday. I explained that I was out of town with my daughter tending to her XXXX  XXXX  and this was hindering me grossly but I was told this was protocol. It is now Monday night and Im calling to verify that everything I was told a.k.a. my account was unfrozen and that the deposit would show up at midnight is going to indeed happen. I was then told I had to be transferred to special handlings in my account is still frozen even having to wait five days for a deposit they got on the XXXX is wrong now XXXX knows how long I have to wait and I am stuck here can not eat can not do anything without make up to check. I spoke with the manager on Saturday named XXXX who told me my account at that minute was unlocked that she unlock it but I could not get the deposit until Tuesday morning now come to find out thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX  XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Enhanced Recovery and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.