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

I had an auto loan with Chase until 2016. I have made multiple attempts to get them to correct the information that is reporting inaccurately on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX wy XXXX I have sent 7 dispute letters to XXXX XXXX and equifax Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever 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. XXXX XXXX and equifax are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX account # XXXX balance {$170.00} ( XXXXXXXX XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. XXXX XXXX XXXX iXXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXX pm acount # XXXX balance {$15000.00} please delete these accounts within XXXX days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting

YESTERDAY I TRIED TO OBTAIN A FREE COPY OF MY ANNUAL CREDIT REPORT BUT EXPERIAN AS ALWAYS REFUSED TO PROVIDE ME A COPY STATING THAT I RECEIVED MY COPY. UNFORTUNATELY, I NEVER RECEIVED A FREE COPY AND I WOULD LIKE EXPERIAN TO PROVIDE ME A COPY. I CAN NOT REACH THEM BY PHONE DUE TO MANY REASONS FOR WHICH I CAN NOT EXPLAIN. I WOULD LIKE EXPERIAN TO PROVIDE ME A FULL COPY OF MY FREE ANNUAL CREDIT REPORT. 
PLEASE FEEL FREE TO CONTACT ME IF YOU HAVE ANY QUESTIONS IN REGARDS TO THIS MATTER. 

THANK YOU XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( BOA ) inaccurately recorded a late payment on my credit history. The inaccuracy BOA recorded was for XX/XX/2018 and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that BOA inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to BOA, XXXX, and XXXX companies and disputes were filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Product: Payday loan

I applied for XXXX payday loans for which I was approved. But after given the situation more thought, I decided not to take either loan. Since then, I have been receiving several unknown phone calls stating that I have several claims against me with threat of legal actions. As I know that there are no claims against me - legal of otherwise - I did not give any credence to that information. What concerned me was that the person had part of social security number. I believe that this information could have only come from the information I input on those XXXX applications. The person would not identify herself or who she represented, but insisted that I verify my social security number. After stating to her many times that her claims were false, the person hung up the phone. A trace on the phone number ( XXXX ) yielded no results so I can not state the entity that called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  made the statement in their response dated XX/XX/2020 that " You received benefit from this transaction " which is a false statement. I never received any benefits from XXXX XXXX in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns about significant discrepancies I have discovered on my credit report. Upon reviewing it, I found several issues, including fraudulent entries, incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are adversely affecting my financial stability, and I urgently require your assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement.
Product: Credit card

I was called by " US Bank ''. The person asked me to verify my info by confirming a code they had sent to me. They told me in order to get the code I'd need to clock the link and tell them the code. I clicked the link and my account was hacked. I called the real US bank once I noticed what had happened. The Bank did nothing and told me to change my password and monitor my account. Within that time the people who hacked my account had added an external account to my account and Made a transaction. The credit card was closed days after this even though I had brought the matter to their attention. In my opinion they should have closed my card and issued me a new one when I told them I clicked the link and was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}
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 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Mortgage

Re : Estate XXXX XXXX XXXX Nationstar Mortgage Loan Account Number : XXXX. 

I am disputing the above-referenced debt. 
I have produced to you and your organization proof of payments in several occasions and had requested the above records but in return you and your organization had chosen to ignore my claims, emails and calls. I am disputing this debt, because I have made all the mortgage payments and do not owe this debt. As a result, I request that you carefully review this matter and send me the final pay off amount. You should not report it to the credit reporting agencies and if you have already reported it, I demand that you immediately notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. According to my records, which I am enclosing again, the discrepancy on properly crediting my payments began on or around XXXX XXXX when you bought this mortgage from XXXX. 

Reporting information that you know to be inaccurate, or failing to report information collectedly, violates the FDCPA and the Fair Credit Reporting Act. 

Please find enclosed with this letter copies of all payments made to this loan from XXXX XXXX up to the present for you to verify the debt in this account along of a copy of a letter sent to this company in reference to this issue.
Product: Student loan

I continue to struggle with XXXX. There has been an obvious miscalculation of Public Service Loan Forgiveness payments, counting only 9, as I have been making full monthly payments through and income-driven repayment plan faithfully since XXXX when I first consolidated my loans for the express purpose of being in the Public Service Loan Forgiveness program. I just recently sent updated employment certification forms - again - from eligible employers with eligible employment XXXX, detailing no new information I have not sent multiple times since XXXX. I received a reply back that the forms were received and no updates were to be made, and they detailed my eligible employment dates erroneously in spite of having clear, concise data on the proper forms that indicate a continuous period of eligible employment. 

I have always submitted all paperwork on time every time it was asked of me, and I have never had to stop making eligible monthly payments because of financial trouble. Twice in the last few years I have had my account put in forbearance because of their clerical errors - already detailed documented in a Consumer Financial Protection Bureau complaint I have placed in XX/XX/XXXX - that contribute to a significant extension of my loan by no fault of my own. 

The incentive structure is extremely problematic here. Through income-driven repayment >90 % of my payment goes to interest, with the last small fraction going to a very large loan, so they are obviously incentivized to keep my loan going as long as possible. Even if I get frustrated and pull out to pay it all down after refinancing, they still get all of their money. This has been such a chronic and common issue that I can only think they institutionalize some degree of incompetence and/or commitment to these anti-borrower and frankly misanthropic incentives in order to maximize their gains at the expense of students, especially with so few servicers who all seem to be terrible to borrowers. 

This has to change. I hope State and Federal authorities can assist in applying pressure on XXXX and other servicers to remember their borrowers are people who needed and appreciate their help to pay for education, and not to mistreat the vast majority of us who are following The Rules but are still being bilked.
Product: Debt collection

I have had zero knowledge of this individual account. I filed a complaint. The company urges that the individual that opened the account is myself. I decided to check old notes from XXXX, a time in which I appointed someone to analyse my credit report and address all information therein and it appears that that individual spoke with the company and on recording, the collections representative threatened that without attempt for payment, nor providing of contact information that 'he ' would keep " clicking '' to run a credit report and repeatedly drop the score/rating. A supervisor was then requested in order to recount the experience with the representative and management at the time did nothing to rectify the situation. It was/is a blatant FDCPA violation to make such credit threats. Recently ( XXXX ), when I " personally '' discovered the account, Hunter Warfield 's account on my credit was disputed through Transunion ( via XXXX XXXX 's direct dispute procedure, ) as I shared with the credit bureaus as well that I did not open any such account despite what perceived evidences that company might produce. The item was removed after being found to be unfounded and shortly thereafter, said item was re-introduced to the credit bureaus, thus impacting my credit rating. I do not know why it was re-reported, nor do I understand why thus far this issue has been handled the way it has been handled.
Product: Debt collection

Debt was disputed and deleted from credit as the debt collector could not provide requested information of what was owed. Final payment of rent was paid in full. No proof of why I am being charged XXXX no breakdown. This resulted in me disputing this charge from my credit and it being deleted. I am continuing to receive the emails and calls following the dispute being deleted in my favor. Hunter Warfield is the collector.
Product: Vehicle loan or lease

My lease vehicle was destroyed in an accident on XX/XX/year>. I called XXXX XXXX the next day to get a payoff quote, and was told that the payoff was {$19000.00}. My insurance company immediately started the claim process, and determined the vehicle was worth {$22000.00} at the time of loss. XXXX XXXX was very uncooperative with my insurance company and wouldn't communicate with them or give them a letter of guarantee for more than XXXX days. In the meantime, I had to make an additional lease payment of {$300.00} which included a {$30.00} late fee that they wouldn't wave. After more than XXXX dozen requests by myself and my insurance XXXX, XXXX XXXX provided a letter of guarantee in XXXX, requesting that my insurance company send entire loss amount to them, less the {$500.00} deductible, and then XXXX would reimburse me for the overage. My insurance company paid them {$21000.00} for the vehicle, then XXXX decided that I needed to pay for the extra miles that the vehicle had, so instead of refunding my {$21000.00} - {$19000.00} = {$2100.00}, they decided the amount of {$300.00} would be a more appropriate refund to me. I asked for a breakdown, and expressed my displeasure, as I planned to purchase the vehicle in XXXX anyway, had the accident not occured. i don't feel that XXXX is entitled to take a milage discount when they were paid for the vehicle, and didn't get it back. The entire difference between what my insurance company paid, and the estimated buyout of lease should be paid to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.

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 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: Debt collection

There are several accounts on my credit report that arent mine. I did not open those accounts and I would like verification of these claims
Product: Debt collection

XXXX XXXX XXXX , XXXX is reporting a collection on my credit report that has been inactive for more than 7.5 years. I have requested that XXXX XXXX XXXX , XXXX show me the most recent record of payment on this collection and they have failed to produce this information. I would like this collection removed from my credit report immediately.
Product: Credit card

google pay g pay keeps threating my email XXXX if i dont pay them for more storage so i been getting charged over 30 times and requested a refund the email stoarge keeps recieving promotional emails adversitisemens spam junk mail with i have opted out many times and continue to unsubscirde I did everything XXXX suggested to stop all the unessary unwanted mail and the service they cliam to provide dose not work so I am asked to keep paying or I will not be able to use my email services its XXXX spam junk and promotionail emials i spend hours everyday trying to block XXXX XXXX claims to block things i have blocked many times they do not. i have documentaion of customer service chats phone calls and mail also cert mail i sent acount XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reporting of this account is incorrect, as I still see a balance after it was charged off this situation may constitute a violation of the FDCPA.

I have not received a Form 1099 related to this account, which is a standard requirement for reporting debt cancellations or charge-offs. The absence of this form supports my assertion that the reporting on my credit report is erroneous and does not comply with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681 ( e ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two HELOC loans with US Bank for a course of 5 years. I do not actively bank with US Bank. I have a one account that I deposit funds into that are automatically drawn out to pay my month house payment. 

XXXX of XXXX - the auto payment went through and I was short on the my account. I was notified by a phone call later in the month about the error. I quickly went to the Bank and made a payment for XXXX and one for the next month XXXX of XXXX. 

As noted in the letter received by US bank. The Branch ran my XXXX payment twice, which " artificially satisfied '' the payment due in XXXX. I called the bank multiple times to make sure the XXXX payment was back on track and it was. I left for vacation for a few weeks for the holidays and came back after the XXXX of XXXX. Around XX/XX/XXXX I received a phone call from US Bank corporate stating my XXXX payment did not go through. I was extremely frustrated about this since I already handled this, I thought back in XXXX. Account was made whole on XX/XX/XXXX. The next month I get a huge credit knock that took me from a XXXX to a XXXX for a late payment. In XXXX I admit it is my fault for not having funds fully ready. I handle it as soon as I found out. Which was within 30 days. Fair credit laws do not allow you to report this within that timeline. What US bank is reporting is my XXXX payment which they admit in the letter was their error. 

I run a small XXXX XXXX company. I have support my family from borrowing money to us to build homes and then get paid. All of my lines of credits are up for their yearly review and every bank is raising fees and rates due to this one mistake. I really need help. This detrimental to my business, my career and most importantly my family. 

Please help me out in anyway you can! 

Best, XXXX XXXX XXXX