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

I purchased a car from yes auto and a tow truck just popped up trying to take my car I paid for each month, the car lot is saying I never made the XXXX payment which I did even the finance company confirmed yet the dealership said they dont care and to bring them more money I have not been late I am filing a law suit as well
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Discrepancy XXXX Account [ XXXX ] To Whom It May Concern, I am writing to formally dispute inconsistent reporting on my XXXX XXXX XXXX credit card account ( ending in XXXX ) across multiple credit bureaus. 

Upon reviewing my credit reports, I noticed the following discrepancies : One report lists the account as past due as of XX/XX/year>, while another states past due as of XX/XX/year>. 

The balance update date is listed as XX/XX/year> on one report and XX/XX/year> on another. 

There is also an inconsistency in the payment history for XX/XX/year>, where one report marks it as CO ( charge-off ), and the other shows no update. 

These differences impact the accuracy of my credit profile. I respectfully request an investigation and correction to ensure the reporting is consistent and accurate across all bureaus. I respectfully demand this be taken off as this is the 4th time you have failed to accurately update my report. I attached below both reports from the last month showing the differences. 

Please confirm receipt of this dispute and provide written confirmation once the investigation is completed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with Home Point Financial that includes an escrow account that pays for homeowners insurance that I had set up with XXXX. Home Point failed to pay the {$120.00} insurance premium when it was due on XX/XX/XXXX and the policy was cancelled. I first noticed that the policy had lapsed on XX/XX/XXXX and obtained a new homeowners insurance policy on XX/XX/XXXX and paid the new {$310.00} premium out of pocket. Since Home Point could not be trusted to pay the insurance premium on time, I asked them to remove the insurance payments from the escrow account on XX/XX/XXXX and on XX/XX/XXXX they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 an annual fee of {$40.00} was posted to my account Barclays Jet Blue account ( credit limit {$8000.00} XXXX. I was not using the card and did not receive any notification that a balance was due. I logged into Barclays to review a different account balance XXXX XXXX XXXX ) and noticed that there was a late payment being reported for the Jet Blue account. I contacted Barclays regarding my Jet Blue credit account balance when I realized that there was a late payment due. During the call the representative refunded the past due balance and advised that the late credit reporting would be reversed to show no late payments. This was done because I did not receive any statement notifying that there was in fact a balance due on the account.
Product: Credit reporting or other personal consumer reports

I had gotten this guess collections but most of my billing is through the hospitals site and all been paid, and I do not seem prior notice from parties or my insurance was ever billed instead of myself. 

Out of the blue someone that's being interviewed by social workers for XXXX. Now this is dated XXXX no idea what this is for or why it ended up with Americollect where site not allowing email or contact from their site. 

Not sure how to put that when noting reason but had no idea off this bill and checking XXXX XXXX XXXX site no bills listed or note if insurance was ever billed. 

XX/XX/year> why harrassment or un clear notice of collection no prior notices at all or nothing on normal hospital site mychart? 
Only test paid for XXXX XXXX XXXX in Older Adults ( Discharge Care )
Product: Mortgage

I tried several unsuccessful times to receive more assistance than just a couple month deferred temporary payments on this FHA Home Mortgage Bank to assist more with a longer term resolution such as a lower if my annual APR rate of 7 % to 5 %. 


Furthermore, US Bank Home Mortgage Loss Draft Department for escrow funds of an approved insurance claim in the amount of {$6700.00} dollars is being unfairly withheld by this department even though I have complied with all required documents to disperse the amount of funds initially requested by my contractor of {$5000.00}. They are asking him to assemble steps on a 25 % claim amount and not give him additional funds to assemble the steps, railings and landing that all need to be done together. How is my contractor supposed to assemble patio steps without any support!!? That is just ludicrous!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called XXXX XXXX XXXX, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
Product: Debt collection

NATIONAL CREDIT SYST Account # : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am challenging the validity of this alleged XXXX  you have listed on my consumer report. I recently challenged this same account with the credit bureaus and they came back stating thats they verified the account name above To my act knowledge your company has responsibility to ensure accuracy and completeness on anything you are reporting on me with that being said please send me any supporting documents you file that you believe justify such defaming information. I am expecting a response from you within 30 days from this letter if such documents can not produced please delete this XXXX  from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Debt collection

Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.
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 U.S.C 1681.

XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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: Payday loan, title loan, personal loan, or advance loan

I opened a title loan account with Titlemax on XX/XX/year>. The documents that were provided in the store only showed the daily/annual interest rate of 0.0657 % ( 23.9805 % ). In the state of Tennessee, XXXX. XXXX XXXX. XXXX ( a ) sets forth the interest and fees that may be charged. XXXX XXXX XXXX XXXX XXXX ( a ) specifies that the title pledge lender may contract for and receive an effective rate of interest not to exceed 2 % per month ; additionally, the lender may charge a fee equal to no more than XXXX of the original principal amount ( or unpaid balance in the case of renewals ). My account opening APR is 155.8605 % and it says cash advance on my documents. Do to my credit worthiness, it says the per annum is 131.8800 %. I will never get this paid off. With this high interest rate. I'm currently paying {$620.00} a month on a {$4000.00} title loan. I will reach out to the Attorney General in Tennessee to see if anything can be done. Because I will have paid for the loan two or three times by the time I pay this off.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( 8 ) ( iii ), these creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of-the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 

Include the documentation that was used to verify the dispute. 

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX11 ( 5 ) ( A ) ( i ) ofthe FCRA- you are required to " ... promptly DELETE all information which can not be verified. " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card

Misleading explanation of initial signup. 

Merchant stated card was deferred interest for XXXX. 

Deferred was used by merchant in misleading way to implicate no interest for XXXX if principal is fully paid. 

This poorly worded explanation did not imply paying a full XXXX of accumulated interest, in 2 years from opening the account.
Product: Student loan

I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 not mine
Product: Credit reporting

I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
Product: Student loan

I received a phone call on XX/XX/2021 at XXXX am from Summit Horizon Financial Service regarding a Student Loan Forgiveness program. Upon talking to them and trying to tell them that I was interested and I wanted more information before I agreed to anything they forced me to give them my credit card number and sign a contract which I did not agree upon. They told me they will charge my card {$150.00} for 6 months and did not explain to me what will happen after. 

On XXXX, XXXX, 2021, I found out they charged my credit card and created a new XXXX account. I did not agree to them creating a new XXXX account. Upon finding out this, I attempted to contact Summit Horizon Financial company to cancel the contract but only got the answering machine then I contacted XXXX directly and told them the situation. A consumer representative from XXXX promptly closed the account that Summit Horizon Financial created then told me to report this to ftc and consumerfinance.gov. I will be a dispute the charge on my credit card. 

The website information of Summit Horizon Financial Services is http : XXXX The phone number they had contacted me through is XXXX XXXX XXXX XXXX although on the website it is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have had this company find ways to get in touch with relatives of mine they found phone numbers to relatives I did not give to them. They have threatened my relatives that I was going to jail if I didnt pay the debt, they have also told them my personal information that was suppose to be kept confidential.
Product: Checking or savings account

I opened a Citibank checking and savings account, they offered a {$500.00} promotion to open the account and complete activities. On XX/XX/XXXX, Citibank confirmed via chat that I met the requirements and that it would automatically post on XX/XX/XXXX. 

I chatted with Citi on XX/XX/XXXX and they were not helpful, would not provide an email address for me to submit the chat transcript. They said promo code was not applied on my account and that I had to call in to a promotions team. This completely contradicts what they told me on XX/XX/XXXX. 

Later on XX/XX/XXXX, I contacted Citi on XXXX. They said I do not need to call a promotions team. They stated that bonuses that met the 90 days in XXXX would automatically post during the first ten days of XXXX. The bonus still has not posted. I contacted Citi on XXXX  XX/XX/XXXX, they stated I had to call the promotions team. Once again, they would not resolve the request via written communication.
Product: Money transfer, virtual currency, or money service

I reached out to Amscot and told him what happened with their ATM machine. They told me to go through my financial Institute which was XXXX XXXX. They're both sending me back-and-forth and no one has solved this. They told me I just need to wait and on XXXX XXXX solve it, but it was there machine, that didn't disperse the money that's why XXXX XXXX won't pay
Product: Checking or savings account

CHASE BANK is violating my privacy preferences. I have opted out of prescreen offers of credit at all the credit bureaus. I have opted out of receiving marketing material from companies that I do not do business with. For companies that I do business with I have selected all opt-out choices they make available. Do Not EVERYTHING me. CHASE continually sends me endless marketing materials and offers that I do not want them to receive. This indicates CHASE is not abiding by my privacy preferences. I would like them to stop sending me mail whether or not they use my name or " Our Neighbor '' I do not want to receive mail from this company. They are not checking the FTC do not solicit list, they are not checking the DMA opt-out database and they are not checking the credit bureau pre-screen opt out database. I want mail from this company to stop immediately.