23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
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.

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 inructions 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. 

These are the inquiries which should be off from report. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

Had a claim with Wells Fargo for {$10000.00} of unauthorized transactions and I was denied for no reason when their bank had online issues during the time of the transaction to where I could not see my balance to even know this was happening. I am out of XXXX and am a college student that has no help but me in California. This is absurd and Im not the only one who lost money during this week when Wells Fargo website and call center was down.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # 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: Credit card

In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do no reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment. ( not a duplicate issue, this is for another payment )
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my account on my credit report that was not approved by me someone tried using my information applying for credit cards this is fraud and I need to get this off my account
Product: Debt collection

I was shocked to discover that the interest being charged was more than the actual medical bill it self! When my initial debt went to collections I asked this company via their rep XXXX, " how is it legal for you to charge so much interest on medical debt? ". XXXX told me that their collection practices were legal and that I should contact my state to change the law! 
I am not disputing an actual copay due the medical provider. I AM DISPUTING THE INTEREST THIS COMPANY IS CHARGING. It is my understanding that excessive interest can not be charged for medical bills. A {$440.00} bill has turned in to {$770.00} due to Bonneville Collections ' exorbitant interest charges. 
If I am already under water due to medical challenges with their attendant copays how in the world can I be expected to pay such absurd gauging interest? 
I WANT THE INTEREST CHARGES REMOVED AND THIS DEBT COLLECTOR STOPPED. THIS IS IMMORAL AND SUPPOSEDLY ILLEGAL IN OREGON!
Product: Debt collection

On XX/XX/XXXX, I received an alert from my credit monitoring service that a " New '' collection account had been added to my report. I viewed the report and it was from National Credit Adjusters for {$900.00}. The account says it was open in XX/XX/XXXX. This is the first time I have ever heard of this company. I have no knowledge of this debt nor was I properly notified prior to inserting this false information on my credit report. I was not notified in writing of the alleged debt and given the opportunity to exercise my legal right to dispute the validity of this debt. This company has provided inaccurate information to the credit bureaus in an attempt to tarnish my credit worthiness. I would like for this entry to be deleted immediately and a letter from NCA stating that it has been removed and my credit report will be updated. I would also like them to cease all collection attempts on this unknown debt.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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

The US Dept student loan was transferred to a new servicing company, US Dept of Ed/XXXX which is listed on my credit report as current. However, Equifax will not deleted the old account, US Dept of EducationXXXXXXXX  WAS and Im being denied for a Direct Graduate Plus loan to continue my education. The loan is being shown twice US Dept of EdXXXX and the new loan Serving companXXXX Dept of EdXXXX its the same loan. In addition, Equifax is reporting the US Department of Education student loan as it is in default according to Direct Loans which it is NOT! I need this problem rectified immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is specifically against Experian. 
On XXXX of XXXX, my husband and I applied to a home equity loan with XXXX XXXX XXXX and were denied. The reason for the denial was stated as the presence of " a deed in lieu of foreclosure dated XX/XX/XXXX ''. ( Copy of XXXX XXXX  email attached ) We understand that all lenders have a minimum of a 4 year waiting period after this type of event, however, the Deed-in-lieu reported refers to transaction with XXXX XXXX dated XX/XX/XXXX, which is over 4 years ago. 

We disputed this information through Experian on XX/XX/XXXX and we discovered that XXXX has not been reporting any information to the credit agencies, so they stated that the error was on the credit agency 's part. They provided us with an official letter certifying the date of the transaction and reported to the agencies ( including Experian ) that this information should be corrected. ( XXXX Letter attached ). 

As a result of our dispute, Experian updated our credit report by moving the derogatory mark " N ''  from XXXX to XXXX XXXX screenshot attached ). This mark still indicates to lenders that this deed-in-lieu happened in XXXX of XXXX. This is INACCURATE accurate information which will prevent us from acquiring any home loan product for another four years! 

When we tried to resolve this issue with Experan they indicated that they can not erase this mark from our report. We have called several times and asked to speak with someone in the Escalation Department to no avail. Their explanation is that this is an update to our report resulting from our dispute ; the problem is that they are NOT CODING IT CORRECTLY. 

We need Experian to correct this information in both my credit report as well as my husband 's ASAP, so that lenders can see that the deed-in-lieu happened in XXXX of XXXX and we can move forward with our loan application. 

Thanks for your help.
Product: Vehicle loan or lease

On XX/XX/XXXX Me ( XXXX XXXX XXXX on my daughter XXXX XXXX proceeded to trade in her car from XXXX XXXX auto sales and services located XXXX XXXX XXXX, XXXX Delaware XXXX. XXXX # XXXX. The salesman name was XXXX. Was supposed to give her a credit of {$2000.00} for the down payment for a XXXX XXXX XXXX  that he said was worth {$7300.00}. The total balance {$6100.00}. After he had add all of the dealer fees. We financed the rest of the balance with Credit Acceptance which supposed to be the {$6100.00}. The amount of the car ended up being {$12000.00}. Credit Acceptance added another {$6000.00} to car. 
The dealership and Credit Acceptance has made me and my daughter life a nightmare. My car payments are on time to this date. The balance of the car is still reporting negatively on me and my daughters credit report. The XXXX XXXX XXXX  is not evening running right now as of XX/XX/XXXX. I'm still making payments on the vehicle. I would like my contract with this company null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to XXXX XXXXXXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Product: Mortgage

I have prepaid my flood insurance for 3 years and my home insurance for the year. Every month I pay for both flood and home owners insurance despite submitting proof that they have been paid in full. I have contacted there escrow department over a dozen times. They fail to respond unless severe persistent measures are taken. I have called, sent emails, even certified letters. My insurance company has contacted them. They have confirmed they have gotten the documents and yet, every month I am still overbilled. They overpaid my property taxes by XXXX, which when asked by the XXXX clerk she has no idea why they did it. I feel its unreasonable that I, nor anyone else should be forced to used a lending carrier that cant even bill every month correctly. If they can not handle paying the appropriate people ie my insurance company, the tax borough and whomever else I should not be forced to have incompetence controlling my finances.
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 168b permissible purposes of consumer reports. 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. 

NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX -EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX -INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Account : ( Jefferson capital systems LLC )XX/XX/2023. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-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: Payday loan, title loan, or personal loan

Hello, Affirm has retaliated against us after the filing of Complaint ID XXXX. 
Affirm responded to our complaint and said : " if this loan does not receive a payment on or before XX/XX/2022, the loan will charge off and may be sent to one of Affirm 's third-party collections partners ''. This response was made on XX/XX/2022, the deadline set by Affirm. 
In essence, Affirm immediately discharged the loan as a result of this complaint by setting the deadline as the same day as their response. It would have been impossible for us to comply with this request. Affirm should not be allowed to retaliate against people who file legitimate CFPB complaints after their own customer service has made no good faith effort to provide resolution. 

Nor does this take into account the core of our complaint. As stated in Complaint XXXX Affirm is not accepting payment from me. Neither by my previous method of payment, which they randomly stopped accepting, or additional methods of payments I have attempted to use. Affirm 's customer service provides no support, and it is unreasonable to ask me to continue to set up new methods of payment when multiple have already been tried. 

Affirm also ignored the context of Complaint ID XXXX, where we demonstrated that Affirm had received payment that was deducted from our bank account and then failed to credit the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight performed a background screen for me on XX/XX/XXXX. I received the report on XX/XX/XXXX and several misdemeanors and active warrants were listed under someone else 's name in my report. I asked HireRight to redo the screen on XX/XX/XXXX. On XX/XX/XXXX, they finished a review and I just received the report with the crimes for the other person all still listed. They claim that the other person 's misdemeanor in XXXX XXXX XXXX was filed under my SSN and DOB. They didn't review anything else, based on what I am reading. I was given a temporary position when the first report came back with the errors. I will likely be XXXX  from my employment tomorrow, because this is still an issue. The misdemeanors were committed in XXXX, XXXX, XXXX and XXXX and I have had other background screens between the latest offense and today, where these never appeared. This leads me to believe HireRight has made an error. The report also says " full name on record confirmed to belong to the candidate '' beside each arrest record for the other person and her multiple aliases. It is not me. Her name isn't remotely close to mine. Given that HireRight has put my job in jeopardy and clearly made errors, I am looking for help from CFPB.
Product: Mortgage

I had auto-pay set up through my mortgage servicer - Loancare. Suddenly, in XXXX the payments were interrupted. Despite the fact that I had received my monthly " Thank you, your mortgage payment has been received! '' email from Loancare my payment had not, in fact been deducted from my checking account. I contacted them several times and each time they swore everything was fine. Finally I made a manual payment from my checking account and held my breath, hoping that Loancare would n't suddenly ding my account and pay double that month XXXX they did n't, my manual payment was the only payment made. XXXX Despite my phone calls and attempt to ensure this payment was made on time, Loancare levied a late fee for XXXX. I have been unsuccessful in having them waive this, as the late payment was because of a problem on their end XXXX their auto-draft not functioning ) and nothing I did. 

Care to guess what happened in XXXX? Again an email thanking me for my mortgage payment. Again no money deducted from my checking account. Again a flurry of phone calls and emails that ( mostly XXXX went un-answered trying to find out if Loancare 's auto-pay was going to deduct my payment or if I should make a manual payment again. Again I was assessed a late fee, and was told that my mortgage payment was not received due to insufficient funds ( not true and my bank is prepared to provide written evidence as to such ) and then when I called I was told my payment was n't made because of changes I had made on the Loancare website ( again, not true I had not made a change since originally setting up the original auto-draft and had been successfully making payments for MONTHS before this happened. ) I ca n't get anywhere with Loancare, their staff are rude, unprofessional and unhelpful. When my husband and I attempted to re-finance the loan with them in order to remove PMI they declined, stating that my bankruptcy inhibited their ability to improve the terms of my loan ( I have never declared bankruptcy and they refused to disclose where they had obtained that information. ) I really do n't understand how these folks get away with this stuff. I 'd rather have my loan serviced by XXXX.
Product: Bank account or service

I allowed XXXX friends to have their tax refund direct deposited in my account as they had no account. The IRS allows XXXX to an account. They were received and given to the individuals. Then State Farm Bank decided to close my account which still had a balance of a little over {$1600.00} claiming they suspected fraud. I called and verified my information and the still decided to close the account. How do I get my money from State Farm Bank?