23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi COMENITY BANK/XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Consumer Loan

We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working on building my credit thru Lexington Law. They promised me that in 3 months I would see a drastic change in my credit report. It never happened. I pai the XXXX for nothing.
Product: Mortgage

During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. 

After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. 

As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account in my file : XXXX XXXX Balance Owed : {$200000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.
Product: Credit card or prepaid card

Had a Cabela credit card, they use Capital One Bank. On or about XX/XX/ receive letter advising me they were changing my e-mail since I had not made the request. I called immediately to advise such. I spoke to XXXX who advised me that they had also opened an on-line checking account all without my authorization. I asked how this could happen since they required photo ID to even open an account to begin with and asked who authorized all this. She was flustered and told me they would cancel my credit card and I was not responsible. She sent me along to XXXX XXXX XXXX XXXX XXXX and she too reassured me and asked if I had an on-line checking and I have never with any financial institution. She sent me along to XXXX also in XXXX XXXX XXXX XXXX  He reassured me also and said that all accounts including the on-line checking would be cancelled and had not been used, but I was not responsible. I would have to re-apply for a credit card. I would have to send copy back and front of my driver licenses, XXXX. My case # XXXX and gave me the Utah address XXXX would have to mail it. My husband and I talked and decided we did not want to open another credit card with this company that they were not trust worthy. I did file a complaint with the XXXX  XXXX 's office who said they could do nothing! Received letter assuring my account had been closed. Thought all was well. Now I am receiving statements for a Capital One Bank Statement saying I have {$9800.00} in an account I don't even have and never ever applied for. It seems this account was opened XX/XX/ by I don't know who using my information. This seems like major league Fraud and I don't know what else to do. We only used our Cabela 's credit card 2 times in their XXXX XXXX store and I mail ordered just once in and the card was never out of our hands or used anywhere else!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Debt collection

National Credit Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.
Product: Money transfer, virtual currency, or money service

I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the Zelle application. I have never used this before but saw it was available in my banking application ( XXXX  ) so figured it would be safe. I sent over {$750.00} to Zelle account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the Zelle account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via Zelle is {$750.00}, he asked me to use XXXX XXXX  and send {$430.00} to XXXX  XXXX  username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through Zelle on Monday, XX/XX/2021. I sent the money to the same Zelle account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022 from XXXX XXXX XXXX account number XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I owe a XXXX balance This debt was charged off and I never received a 1099C. I need this form to be able to file with my taxes as taxable income. Not doing so has violated my taxpayers rights this form was supposed to be mailed by XXXX.
Product: Credit card or prepaid card

I received a phone call from XXXX saying he was from my bank CHASE and he was calling to reduce my interest rate from 21 % to 4 %. He asked me to confirm the last 4 digits of the credit card and the expiration date. He then looked up the statement and read me the correct balance on my credit card. He asked me to confirm my zip code. I asked for his name and he told me his name was XXXX XXXX. I asked for his ID number and he gave it to me as XXXX. He asked me if I used any other credit cards and I lied saying No as I was already worried about this call. We hung up and I quickly called my bank CHASE and told them the above. The teller recommended I quickly change my Username and Password. I did. I also changed the alerts on all my bank accounts to alert me if the balances changed. The teller also confirmed that CHASE bank does not call persons to lower their interest on credit cards. The teller recommended so I chose to report my cards as lost or stolen to receive immediate new numbers. She asked me to confirm my mailing address which was correct. After we hung up, I then called the non-emergency police number at XXXX. The police offer answering the dispatch took my information and phone number and said someone would call me back.
Product: Vehicle loan or lease

We have a XXXX  XXXX XXXX in which the transmission has been not working for a year. We still owe XXXX on the car and our payments are {$590.00}. We have spoken to the finance company several times explaining this situation and no one is willing to assist with this matter. We were instructed by XXXX to contact consumer affairs to speak with them about fixing the transmission because we were told by a XXXX representative that the type of transmission in the XXXX models have failed and they no longer use those transmissions anymore. When we spoke with consumer affairs they had us tow the vehicle to the nearest XXXX dealership for inspection. They advised us that they will not fix it because the car is over XXXX miles. We are in the process of doing a voluntary repossession because we are paying a car payment on a inoperable car. The finance company sends emails to contact them to work something out with them but when we call there is not a solution and they tell us the only option is to turn the car back in. This situation is really hurting us financially and we really need help in resolving this matter.
Product: Credit reporting or other personal consumer reports

The two following student loans are reporting as open with a balance. Accounts have been paid in full and are closed. My XXXX report has already updated the issue and I need these accounts corrected as it is inaccurate reporting. According to the FCRA 623 section ( b ) ( 1 ) ( d ) if the results of a dispute determination that information is inaccurate, then the furnisher must report the correction to all CRAs to which the information has also been reported. Please update the incorrect information as PAID AS AGREED with a balance of {$0.00}. 

Experian : XXXX XXXX XXXX Account # XXXX Balance {$2700.00} XXXX XXXX XXXX  Account XXXX Balance {$1700.00} XXXX : XXXX  Account # XXXX Balance {$1700.00} XXXX Account # XXXX Balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency has deliberately furnished a fraudulent account ( XXXX XXXX ) on my credit report. This account has negatively affected me as a consumer by not allowing me to obtain any extensions on credit to obtain a vehicle of my own. I have provided an FTC report, court case documents, and a consumer statement by mail and Transunion has still chosen to behave in a negligent and fraudulent manner. This is a violation of 15 USC 1681b, none of the information that is being furnished is being reported in a lawful manner. I have attempted 3 times to get this information removed and provided supporting documentation every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights.they are unable to validate the account. 

XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

credit credit bureau. 
Please correct all information atleast on personal information. 
Attached is 3 credits information. 

there should be only ONE NAME, ONE Address, ONE DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt in Court of law. I dont think FCRA or FTC can bends you hands
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.
Product: Credit reporting or other personal consumer reports

This loan does not belong to me. It was opened to another person ( relative ) with a similar last name. I was never the co-borrower on this account and the original loan documents do not contain any co-borrower details on me. Sallie Mae/Navient engaged in fraudulent activity in 2005 for the following reasons : Misspelled signature Lack of credit at time of loan verification XXXX XXXX details No occupation at time of loan verification