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

XXXX XXXX XXXX was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies XX/XX/XXXX Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately 1. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent items from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history. Despite the settlement, the negative notation remains on my credit report, which is unjust and inaccurately represents my financial standing. This oversight is not only unfair but also damaging to my credit score and overall financial well-being. I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned items from my credit report. I have attached copies of relevant documentation, including proof of payment, for your reference and verification. I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. Failure to address this issue in a timely manner may compel me to escalate this matter to the appropriate regulatory authorities. I appreciate your attention to this urgent matter and request confirmation of the removal of items from my credit report once the necessary action has been taken. I am asking for your help to remove these items in my credit file : 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 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 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

Someone has used my information to make fake ids and other forms of identification to impersonate me and fraudulently acquire a vehicle through XXXX. I have no knowledge of, nor have i ever conducted any business with XXXX, and I have never resided at the address listed on the fraudulent agreement.It is possible that this resulted from a data breach which allowed the person to access some of my personal information without my consent.Being falsely associated with fraudulent activity and defaulted payments on a vehicle i did not acquire has damaged my reputation both personally and professionally .It has caused significant emotional distress and affected my ability to secure loans and other financial products.Under the Truth in lending act ( TILA ) and FCRA I am protected against unauthorized use of my credit information. These laws mandate credit reporting agencies investigate and correct any inaccuracies and unauthorized entries due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence
Product: Debt collection

I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. 

They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 
2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. 

After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. 

This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent transunion a letter disputing a bankruptcy that should been removed from my credit because they have not sent me the verified documents that i have requested for them to send me and they have yet to provide any sufficient evidence that such public record should be reporting to my credit. I have also attached documents from the courts showing that they do not report to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my Macys AMEX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called Macy 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Product: Student loan

I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.
Product: Debt collection

On XX/XX/XXXX WAKEFIELD & ASSOCIATES posted on my credit report a late payment and collections account. Never recieived a phone call or letter from them for XX/XX/XXXX until XX/XX/XXXX when they reported to credit bureau. On XX/XX/XXXX I faxed a letter to verify the debt with them. On XX/XX/XXXX called and verified they had received my fax and it would be a week or 2 before they would be sending out verification. They stated they are having issues getting information to verify my debt with the original party. Contacted XXXX XXXX XXXX/XXXX the original party and they have no account for me by name or ssn.
Product: Vehicle loan or lease

I filed a previous complaint  XXXX   XXXX ,  XXXX  about how SNAAC threatened me by saying they were gon na call my commander and have  XXXX  actions against me if i did not restart my allotment after I had the car voluntarily repossessed in  XXXX . I received the company response on  XXXX   XXXX .  Two  months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my  XXXX  rating and if i was receiving stipend from the post  XXXX   XXXX   XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time  SNAAC  has crossed a line with me. I am afraid they are doing this or worse to other veterans.
Product: Credit card or prepaid card

I was supposed to receive XXXX XXXX bonus points on XX/XX/2022 from a new cardmember bonus. I called Chase in the month of XXXX to verify that the spending minimum had been met and it was confirmed that it had and I would receive the bonus points on XX/XX/XXXX. This information was also refelected on my statement ( which is attached ). As of XX/XX/XXXX, I have not received those points and no one at Chase has been able to help. I did receive the points I earned spending but not the bonus points promised. I called Chase twice on XX/XX/XXXX and both times asked to speak to a supervisor but was unable due to unreasonable wait times. I also called XXXX rewards on XX/XX/XXXX and they confirmed that Chase is responsible for sending the points to them which had not been done. I have attached a copy of the points activity from my XXXX account which shows the spending points were posted but not the new cardmember bonus.
Product: Mortgage

New Rez should be reviewing our master XXXX policy from XXXX. XXXX # XXXX ( XXXX XXXX ) and our XXXX XXXX XXXX policy # XXXX ( that we have had from the inception of our loan!! ). You will find that we have sufficient coverage, the mortgagee clause is correct and you have been overcharging us. Again, the confusion comes from us sending Newrez our CORRECT policies every year and then getting inundated with letters that are incorrect and confusing. I will not stop until this is fixed. I can provide and have provided proof of sufficient coverage for the entirety of my loan. You can call our agent, ( XXXX ) XXXX and they can confirm the same thing as far as wind coverage. The wind coverage is on XXXX XXXX XXXX policy # XXXX. REFUND the money you took from us because your insurance department isn't doing their job properly. FIX OUR ACCOUNT. You have cost us so much money and time. This is illegal, unprofessional, and incompetent. It is time for us to submit the updated policies for XXXX. This complaint is NOT about that. It is about overpaying for XXXX. You keep saying it is because of the XXXX policy. That was an ADDITIONAL policy we sent you out of confusion. This issue continues to cost us money, time and peace. If you have an overseas company reviewing our insurance, they are messing it up. Not everyone can afford these mess ups. We continue to pay in order to avoid foreclosure, but imagine if your rent or mortgage payment suddenly went up and it was not warranted. DO NOT send me another letter explaining insurance requirements. We understand them. The issue is with your insurance department. Our next step is an attorney. It is simple to resolve on your end. All it takes is a supervisor reviewing the two policies, refunding the money like you did last year and not repeating the same mistake this year.
Product: Debt collection

I received a letter dated XXXX XXXX XX/XX/2015 fro PRA LLC- attempt to collect a debt they bought in the amount of XXXX The letter said I had 30 days to dispute- which I did- I sent a XXXX letter dated XXXX XXXX ( receipt is attached ) stating- I wanted proof they were able to collect on behalf of this debt, I wanted validation of debt, and that the statue of limitations had run out on this debt in the state of Texas. I never received any response- It is now on my credit report. All documents are attached-
Product: Vehicle loan or lease

I originally had a car loan with M & T Bank that was taken out in XXXX of 2013. The car was totaled, and my insurance XXXX paid almost the entire balance with the exception of a few hundred dollars. I advised M & T that my GAP insurance would cover the rest, but they insisted that I pay the remaining balance immediately to avoid being sent to collections. The amount was approximately {$360.00}. I ended up paying out of pocket the remaining balance owed to M & T, they confirmed that the balance was {$0.00} and closed the account. Months later I received a check for the amount that I paid to them. I called them to confirm that the check was accurate and they told me yes. I have been calling to confirm that the balance on that account is {$0.00} and the account is closed. They continue to tell me that the account is closed with a {$0.00} balance and they can not explain why they are still reporting to the credit bureaus that I have a delinquent account.
Product: Credit card or prepaid card

On XX/XX/2022 I received a call from a Chase listed telephone number, ( XXXX ) XXXX. The caller explained that my card was compromised and had been used in two transactions. The caller had NPPI information such as name, address, account number. The caller was in fact a scammer that used the NPPI to send a code that I received ( from XXXX ) that was then used to activate a Apply Account on an XXXX XXXX I do not have XXXX phones. The scammers took their XXXX XXXX XXXX to purchase items from stores in the XXXX shops in amounts over {$400.00} and {$7000.00}. I was not notified of these attempted charges by Chase. My card is set to inform me of charges in amounts over {$400.00} as a fraud protection feature promoted by Chase. I only found out about these item when I contacted Chase Fraud department on XX/XX/2022 to inquire why my new replacement card was not delivered as the scammers had promised. 

My questions are : 1. How did my NPPI get compromised by Chase? In addition, according to a Chase representative, they do not notify customers of fraud attempts if they decline the purchase. 2. What value is it to me if Chase does not notify me that {$8000.00} of charges were attempted on my account? The scammers still had possession of my information and this was only discovered upon my inquiry, not by any actions by Chase. 3. How can Chase promote " Fraud Protection '' on their cards with such a broad loophole of if Chase declines a fraudulent purchase, Chase does not have to notify the card holder of the attempted fraud, only if the fraud is completed? 4. Has the scammer been found, or is Chase even pursuing the scammer as the charge was declined? 5. What is Chase doing to protect my accounts from the scammer using my NPPI again? 

XXXX XXXX Chase Credit Card account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I recently updated my personal information IE residential aaddress, phone number, angry the accounts with two of the three credit bureau agencies XXXX and TransUnion. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EXPERIAN AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE
Product: Debt collection

I don't think these debts belong to me. I am very confused about this. Please provide more information.
Product: Student loan

Nelnet had my payments for {$72.00} then dropped the payment to {$45.00}. Now every other month the statement says {$72.00} and {$45.00}. Which is it? Why do they keep switching what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.