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

A 30 day late was incorrectly placed on my credit report and I have placed countless calls to XXXX XXXX  to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from XXXX XXXX  as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give XXXX XXXX  that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY XXXX XXXX. 

Per Customer Service rep on XXXX the reason XXXX XXXX changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, XXXX XXXX changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all bureaus.
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 { 15 USC1681 } OAG CHILD SU Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 15 USC 1681 ) section 602 ( a ) states. I have the right to privacy. ( 15 USC 1681 ) section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( 15 USC 1681c ) ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes, which antedates the report by more than seven years. 

( 15 USC 1681 ) s-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 the information is inaccurate.
Product: Mortgage

I have a mortgage with MR. Cooper XXXX # XXXX. Original loan amount was {$140000.00}. Over the last year i have made significant multiple one time payments towards principal which should change the amortization table for the monthly payment which is allocated toward principal and interest. I am absolutely convinced Mr Cooper is committing financial fraud as those statements for amortization are NEVER updated. If i request customer service they say it takes time ( without any ETA ). If i go online and check they DO NOT exist as now they are saying the are having trouble with the vendor. OK so they can not email me a Amortization statement? No they can not. Please be careful working with this company as the amount i have only my monthly statement which is visible and DOES NOT account for my additional principal payments made towards my account. The mortgage amount is significantly lower but my monthly payment DOES NOT reflect the correct balance going toward principal and interest. Financial Fraud this is called in simple Finance and there is no customer service no supervisor or anyone who can send me an UPDATED copy of my current AMORTIZATION table. Thank you for your attention!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain regarding this inaccurate information on my credit file. You must correct and verified the account that was opened inaccurately on my report. I am not agree with this as I found the account which seems to be an error. It is the responsibility of the credit bureaus to correct the account : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.
Product: Vehicle loan or lease

On XX/XX/23 at XXXX I called prestige financial. I asked for a payment deferral since I fell behind in my auto loan. I was told by my account manager ( XXXX was his name I believe ) that since it was toward the end of the month that his allotment of funds he has for his portfolio to give out payment deferrals was already used up for the month. As he said Its first come first serve. I replied saying that they need to offer the same opportunity to anyone that is eligible. His reply was they do not have to offer this type of assistance its just a courtesy they offer. This did not seem correct or legal at all in my opinion because the only options he gave was for me to make a payment. He did say I would have been eligible and he would have helped if I would have called earlier in the month. Again this is not an equal opportunity to all customers especially those who have hardships at the end of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX USDOE/XXXX  XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with Montgomery Ward in the same fashion... I paid/settled this account with XXXX XXXX XXXX XXXX XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with XXXX collection agency for a XXXX shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX  has yet to update my credit report as such ... XXXX XXXX services have since deleted their trademark from my credit file with all 3 major bureaus but XXXX XXXX XXXX has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX  has yet to update my credit files..Thanks..
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to them to send me the original contract with my signature they still havent deleted it off my credit report
Product: Checking or savings account

A family member stole a debit card to one of my checking accounts without my knowledge or consent. She took the card out of my purse unaware. I have four accounts at BOA and I did not know the card was missing until one day I went looking for it. I thought I had misplaced it. A few days later, I was looking in my purse for something else and the card was placed back into my handbag. My niece is the only one that comes and go into my home at will, because I help her with her children, and she has done this to me before. She has used my credit cards before with out my knowledge or consent. I was angry at my niece for stealing from me as she has done on more then one occasion. This time I filed a police report to have her charged and arrested for stealing my credit and debit cards. 
I filed a fraud claim at the Bank Of America and even though I sent in the police report, I was denied my claim of almost {$7000.00}. The claim was for almost {$9000.00} when I filed it. I was granted some but not all of the same claim that I had summited. They know this is fraud but refuse to refund my money. I don't have this kind of money to give away. The claim number is XXXX. I am also sending complaints to all the media outlets. BOA should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : 1. 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
Product: Credit reporting or other personal consumer reports

The inquires below, I did not authorize. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

One day an envelope arrived at my house with a check and some instructions to deposit the check into my bank account and I was waiting for the check to reflect when I checked my account it was canceled because the check is fraudulent I told the bank that I have the evidence that I was doing a job online and even so they did not give me the opportunity to send the documents. They just told me that my account is closed and the funds I have to pay my rent and bills I could not withdraw and my account is negative
Product: Debt collection

I have been in constant contact with ally financial, i made a partial payment in XXXX, but full payments every month since, i have been trying to catch up the other part of the payment which is roughly XXXX/XXXX to bring it current. 

I have requested for them to not call before XXXX as I am at work and it can get me in trouble and costs me my job, and they stated it was notated on my account to not call before XXXX. 

Monday  XX/XX/2020 Ally financial contacted me at XXXX XXXX  and when i spoke to them on monday  I again informed them that I am at work and can not talk and do not contact me before XXXX. The lady said it is notated in the account but they close at XXXX and i said fine then change it to XXXX but I am currently at work and I'm usually off between XXXX and XXXX and can't talk she continued to try to collect a payment from me after I informed her that I am at work and can not talk. she said she notated the account to not call before XXXX. 

I told her I will call them Thursday  XX/XX/XXXX in regards to the account and possible payment. 

Today is Thursday  XX/XX/XXXX and they called me at XXXX XXXX  I answered and told them I'm at work and asked why are you contacting me during this time I just spoke to you guys monday  telling you not to contact me before XXXX and that I will be giving you a call today after work. She hung up on. 

I called them back, after speaking to the team lead at work to take a moment to handle this and I proceeded to speak to another lady at ally financial complaining about this situation. She apologized and said she is notating it in the account, i said it's been notated in the account, it used to be XXXX, then monday  I said ok change it to XXXX because you guys close at XXXX, i requested to speak to a supervisor i spent the next 15 to 20 minutes on hold waiting for a supervisor. 

The supervisor finally gets on, his name is XXXX, very nice very professional and says its notated and apologizes again as well. All of this for XXXX????????? I pay XXXX a month for a car payment. 

My payment history isn't perfect but I pay the bill, this is the latest I've been with the bill and it's only a partial payment. they have threatened to repossess my vehicle by sending out a repo letter which I was able to get avoided by making my normal payment. The repo letter was because I'm XXXX behind, I have requested a rewrite in which I was informed that if i pay the XXXX they can rewrite my account to make my payments smaller. I was told this by the lady on monday  's call. XXXX, the supervisor informed me today that I have to pay XXXX plus XXXX for late charges before they can rewrite my contract to make the payments lower. I'm just trying to catch up on the bill and have been very forthcoming and very much in constant contact and communication with the company. Yet they keep calling during my work hours which i have asked them not to and they are telling me 2 different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I am greatly concerned about the incorrect information on my account. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 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 legalaction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Looking at my consumer report on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late. 

XXXX XXXX