23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient keeps adding and removing account balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one they did not have my correct contact information or name which cause me to not be contacted when my loans were out of forbearance. I was not notified until XX/XX/XXXX when o tried to enroll in XXXX school. I was told then that I had to pay {$500.00} to bring my account current. Once paid the account was never removed from my credit file and it still shows open. During XX/XX/XXXX until XX/XX/XXXX I was in school my loans still reflect late payments during the time they were to be deferred. I respectfully ask that these late payments XX/XX/XXXX=XX/XX/XXXX be removed and set current! I also would like loans older that 6 years be removed off my credit report as they are pass the SOL for the state of Ohio.I need this done as soon as possible as Navient is doing illegal collecting and reporting practices
Product: Debt collection

Date : XX/XX/2019 Company : Portfolio Recovery Original Creditor : XXXX XXXX XXXX Original Balance : {$5200.00} Action taken : I filed a dispute with Portfolio Recovery The dispute ended XX/XX/2019 Result : Portfolio Recovery declined the dispute request
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.
Product: Mortgage

My request to Watermark Capital , Inc LoanCare was to disburse the insurance payments to my home owners insurance provider from the established escrow account. I have been contacting the Watermark Capital , Inc . Customer service since XXXX XXXX, 2021 and the issue has not been resolved yet ( as on XXXX XXXX, 2021 ). 

I have been on long calls ( ~30 to 45 minutes ) with the Watermark Customer Service ( Escrow and Insurance ) departments on several days over the last 4 months. Here are the customer service request tracking numbers provided for reference - Ticket # XXXX ( Wednesday, XX/XX/2021 ) - Ticket # XXXX ( Monday, XX/XX/2021 )
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a question about Fortiva credit card issues by XXXX XXXX XXXX. The FDIC solved my previous problem on getting that account closed. Now I have a question ; I am paying off the balance and of course, I expect to be charged interest. But can they charge me the annual fee ( the amount under the original terms of my account ). They want to charge me {$99.00} dollars broken into monthly payments. Is this legal? Thank you so much! XXXX XXXX
Product: Mortgage

To whom it may concern : The Money Source has not been honest and fair dealing with Me.

They have given me the runaround for over three months now the Money Source is Advancing money to my account because of a mistake They made on their end the Money Source Approved Me on a forbearance program and had Me initiate My monthly payment over the phone I noticed that my Monthly Statements amount due was increasing double after making the payment when I called them to find out what was going on I was told by a supervisor that yes they were cashing the checks but someone forgot to put a code into the computer causing an automatic trigger to seek their Attorney and an inspection on My House to see if I was living there The Lady said she would l Take care of this when I got My next Statement from The Money Source they are now charging Me almost {$700.00} in Fees they said it was because of the code they forgot about & they would take care of it But now this Statement came and they are still charging me that Money They say Now its was from a Bankruptcy in XXXX  that was already paid for I HAVE Evidence OF Payment from that time with the court The Money Source have been Stressing Me out by not being honest and fair dealing with Me they are also Reporting to the credit Bauru 's that I'm Possible late they need to correct it
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] World Finance Corporation [ XXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] Subject : Request for Verification of Account Charges and Documentation Dear World Finance Corporation, I am writing to formally request clarification and verification regarding the management and status of my account, which I believe has been charged off. Specifically, I would like to understand the discrepancies surrounding the initial charge-off amount of {$180.00}, the subsequent accumulation of fees, and the current balance, which has risen over the past 81 months from a closed cap of {$240.00} to {$290.00}. 

1. **Verification of Charges : ** Please provide a detailed documentation explaining how the account went from a charged-off status with an original balance of {$180.00} to accumulating charges resulting in a current balance of {$290.00}. I would like a complete breakdown, in consumer layman terms, of all fees, interest, and other charges that have been applied monthly leading to this increase. An explanation of the legality and methods used to calculate these charges over the 81 months would be greatly appreciated to fully illuminate this matter. That includes but not limited to insight and source of all applied codes and updates to original contract and balance/loan updates.

2. **Original Agreement : ** Kindly send me a copy of the original agreement to verify the terms under which the account was opened. Additionally, I seek clarification on whether a deferment status or code could have been added to the agreement after the completion of the initial contract and the implications this may have had on the account.

3. **Charge Off Documentation : ** I would also like to obtain the charge-off documentation that supports the continuous reporting of different charge-off amounts, including the transition from the initial {$180.00} charge-off figure.

I am concerned that the actions taken regarding my account may not align with the requirements and protections set forth under the Truth in Lending Act ( TILA ) and Regulation Z.

Please respond to my request within 30 days, as this information is crucial for understanding my rights and obligations related to this account. Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my key bank credit card was closed at the company discretion. Since then this company has reported inaccurate information on my credit report. On trans union credit report it is reporting that my account is open, when I fact it has beeen closed for months. Also it is reporting that my last payment was XX/XX/XXXX, but at the same time reporting that I missed XXXX payment and was 30 days late, while reporting that the last report date is XX/XX/year>. All while this account is closed. On XXXX its reporting that it last reported XX/XX/year>. It also shows no payment history whatsoever, states a different balance and that my status is current with no late payments, but also still reports as open. On XXXX it reports that last report date is XX/XX/XXXX, that I am current with no missed payments, but that my last payment was XX/XX/XXXX and that the account is still open. Also with a different balance. This has had a negative effect on my credit report due this credit card inaccurate reports.
Product: Credit reporting

I was getting phone calls from a debt collector and now I looked at my credit report and there is an address in another state I never lived in and is not me .A charge card owes XXXX that I never took out. The adverse account on the charge card has the same date as the date phony address was reported. I need this off my report as evidently it a a case of fraud.
Product: Credit reporting or other personal consumer reports

This company National Credit Audit Corporation XXXX XXXX XXXX  XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The N.C.A.C. sented me some copies they got from XXXX XXXX  XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
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 USC 1681. 

I told XXXX, and XXXX to reinvestigate & remove these accounts : XXXX Collections : XXXX XXXX XXXX XXXX : The Open Date : XXXX XXXX, XXXX, no account # provided XXXX Hard Inquiries : XXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXXXXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX Hard Inquiries : XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided Secondly, they stated everything will be removed in 4-5 business days and the fraudulent items are still on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In addition to, I would like to apply the FCRA Consumer Laws : 605B 15 U.S.C 1681 1c-2, 15 U.S.C 1602p, 15 U.S.C 1692c, 15 U.S.C 1681s-2, 15 U.S.C 1681i ( 5 ), 15 U.S.C 1681s-2 ( A ) ,15 U.S.C 1681.

In Conclusion, I would like to apply FCRA Consumer Law15 U.S.C 1681n ; IF applicable to my current situation because it has been longer than 30 days that they advised me on.
Product: Credit card or prepaid card

My cards were stolen in XX/XX/XXXX. I did not know cards were taken until I received statements. I call e XXXX and Bank of America and they refuse to believe it was fraud. I never made those charges to talking over XXXX. 
I filed a police report in late XXXX. 
My cards were used by someone else
Product: Credit reporting or other personal consumer reports

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated METRO2 Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. The fraudulent, inaccurate, and false information includes XXXXXXXX XXXX XXXXXXXX : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Mortgage

I had a mortgage loan with XXXX and it was sold to Nationstar. I have been making my payments late due to a cut in income monthly but I have also tried to pay my payments in the month that they are due. I have already contacted Nationstar once last year about the {$73.00} late fee every month that was added to my accounts and after months of sending emails they finally got it corrected and stated that they would have to abide by my contract with XXXX that they had purchased with the late fees stated which I believe are around XXXX to XXXX dollars. I have since emailed Nationstar again several times ( 4 ) and requested that they fix the amount that is showing past due in late fees of {$580.00} and they wrote me back and stated that the late fees would not be waived and I was due for this amount. Maybe whoever looked at the case does not realize that my contract was purchased and can not be changed but they should cause it was told in the numerous emails. I am wondering how many other customer 's are they charging this outrageous late fee to their accounts when in fact they can not be charging it. 
Can you please help me get this situation corrected where I do not have to deal with the numerous emails every month and to make sure this amount is not reflecting as a past due status on my credit report. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Transunion about a bankruptcy that they are reporting on my credit report. Their answer was that they verify the account with the furnisher, but the furnisher which in this case is the court send me a document saying that they don't share information with the bureau. TransUnion has failed to send me proof of verification including method of verification as they are required by the law. Attached are the previous letters I sent to TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX XXXX account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX  XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX XXXX  account XXXX 
3. XXXX  XXXX on reports on Equifax that account Open XXXX XXXX pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX is reporting XXXX XXXX XXXX XXXX in different areas on the Equifax report. 
5.XXXX  XXXX is reporting XXXX XXXX XXXX  asr revolving account XXXX 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently. 
6. Finally XXXX XXXX XXXX is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.
Product: Credit reporting or other personal consumer reports

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

Carrington Mortgage is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.
Product: Credit reporting or other personal consumer reports

I sent the company certified letters XX/XX/year>, requested proof under under the laws of UCC 9.505 as well as State XXXX and XXXX statues. They were given 15days to provide proof and they fail to respond. 
Under UCC : XXXX. XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. CONTESTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
Product: Consumer Loan

After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.