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

It is extremely concerning that XXXX makes statements claiming that they may misreport information to Credit Bureaus just because they fail to properly process payments before the date they report to Credit Bureaus .

This complaint is specifically addressed towards Transunion. Transunion recently sent me correspondence through the mail claiming that they take these types of complaints seriously. However, Transunion should be investigating the company making claims that could implicate them in misreporting tactics. This is to prevent any potential future incidents from occurring. This would not only impact me as a borrower, but other borrowers as well. 

Transunion failing to investigate or following the evidence makes Transunion as corrupt and deceitful as XXXX. I implore Transunion to investigate XXXX as much as possible to prevent them from reporting payments being 30 days late when borrowers make payments prior to the 30 day cutoff. It is not my responsibility for companies who can not seem to address information correctly and then make mistakes because there are cracks in their processes which seem to contradict Credit Reporting rules.

Transunion Agents should be extremely shocked by statements made by a Student Loan Servicing Company who was been sued several times by our own states. Our own Congressional Candidates also made statements that the CEO of XXXX lied before congress in XXXX hearing that took place in 2021. Trusting a leader of a company who has been accused as such is hardly corrective.
Product: Checking or savings account

The XXXX branch of HSBC are using " Family Linking '' to link up to 4 immediate family members so that all can receive Premier banking status. 

What HSBC XXXX does not disclose is that every time a software upgrade occurs these links get severed causing your family members to be charged a {$50.00} a month fee. 

After many phone calls with HSBC and speaking with other branches, it was found out that this feature should never be used as it will cause unwanted fees in the future. The only safe way to associate accounts is through joint accounts.
Product: Checking or savings account

I filed complaints with Wells Fargo based on some charges made on my Wells Fargo VISA debit card. Wells Fargo agreed that I was in the right so the complaints then went to the VISA level for their decision. There were all kinds of rule and policy violation by Wells Fargo so the claims were denied by VISA. I took Wells Fargo to small claims court on XX/XX/2020 and won the case. The court awarded me {$9300.00}. Wells Fargo had 30 days to pay me but I have not received the money as of XX/XX/2020. Given that I am severely ill and had to attend small claims court in a gurney  after a 9 month battle with Wells Fargo this is particularly egregious that they are once again forcing me to fight for the money that I am due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter XX/XX/2023 regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the XXXX date breach my information may have fall into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several inaccuracies I have identified in my credit report. These issues include incorrect credit reporting, billing mistakes, unauthorized inquiries, and accounts that do not belong to me.
Product: Credit reporting

I discovered an account from XXXX XXXX on my Experian credit report. I have never conducted business with this company so I need this account removed ASAP. Contacted the company directly and was advised that documentation would be sent to me via email. As of today, I received no information. I have also filed a complaint with XXXX Case # : XXXX
Product: Credit reporting or other personal consumer reports

My vehicle I was finciancing through Chase bank sent my vehicle in for a repossession. I was never properly noticed of this until the day the vehicle was taken. I made a phone call to Chase Auto Loan department and explained the situation. I was told I was going to be took to court and was given a day I allegedly received a notice of repossession I checked my mail and never received that and told the representative. Upon speaking to the representative I asked why did are they reporting on my credit inaccurately I was on time with payments but they reported to my credit I was 60 days behind then the next month I was on time with payments again. I was never given explanation but received an excuse. As I was talking to the representative they were changing the information on the computer to make their side of the story true. I spoke to another representative on XX/XX/year> she was very rude and was also changing information in the computer to make a story. She then proceeds to tell me a different date of the day I allegedly received a letter of repossession and I had returned mail. I emailed XXXX XXXX myself. I was contacted by a XXXX XXXX on XXXX XXXX, he told me to not contact XXXX and that he would handle the investigation. He told me I did not have returned mail and that he needed the day I was last in contact with a representative. I told him the day and he said he would get back to me. XXXX XXXX gets back in contact with me and now saying the complete opposite of our previous phone call and proceeded to change my principal balance on the vehicle placing it higher on my credit report. I could not refinance with another company because of Chase Auto Finance. They are ruining my credit scamming people.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts 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 verifiable proof, you must remove the accounts listed below.
Product: Mortgage

FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.
Product: Credit reporting or other personal consumer reports

I tried once already contacting you guys to get this resolved to no avail so now I filed rept with XXXX XXXX number XXXX of which I include with this complaint I want XXXX off my report I neverb gaveanyone permission to check my credit let alone 3 times along with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!
Product: Credit reporting or other personal consumer reports

these inquiries are unauthorized, and they are not related to any transaction made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

The Options provided when making an overpayment are " No, advance my due date by the number of payments I cover '' or " Yes, Bill me for my future monthly payment ''. I wanted to make sure that my overpayment was applied to the principal of the loans I specified, but neither option made it clear how the overpayment would be handled. 

The first option about advancing the due date has an added line that " continuing to make payments will reduce your total cost of borrowing '' which in my opinion has been added to direct more people to click the first option. 

I called Navient XX/XX/2020 and spoke with a representative who did not seem aware of the options and implied that selecting the first option to advance the payments would also apply overpayments to the principal. She escalated the call to a supervisor who explained that the second option " Yes, bill me for my full monthly payment '' meant to apply the overpayment to the principal. I explained that this seemed intentionally misleading and that I would be filing a complaint. I was then transferred again to a special escalation team who said they would document and share my concerns.
Product: Mortgage

I was on the forbearance plan until I believe XXXX or XXXX XXXX. I had been checking in every month online. I called for a total owed to know how much I owed in XX/XX/XXXX, I was then informed they were going to foreclose on me from lack of communication? They said they did not want my house if I could start paying again. Then weeks later they served me with papers. They then said they would stop the foreclosure and add My about {$30000.00} to a second mortgage that would not have to be paid back until the first was paid or I sold the house. Now last month XX/XX/XXXX my whole payment went to suspense plus a late charge. I called and they said they were removing the late charge, but my credit shows a 30 day late status and dropped my score XXXX points. This is nuts. When I started repaying my loan my payment was around {$1700.00}, so I payed {$2000.00} or {$2500.00} for a few months to pay down my principal. This was not applied to principal. I just need someone who defends people with fha loans to see what is really going on. It is not what they tell me after hours on the phone. 
thanks XXXX
Product: Student loan

I have attempted to reach out to Mohela regarding receiving a refund of {$15000.00} of previously made payments ( after XX/XX/XXXX ) so that my current loan balance becomes {$20000.00} ( I currently owe {$4500.00} ). 

I have requested a refund over a month ago and have not heard anything back, have not received a refund or had my loan balance reinstated, and I have no timeline on when this will happen. 

I have tried calling Mohela for an updated timeline many times, and each time I can not get ahold of a service representative. 

I need {$15000.00} refunded back to me ASAP so that I can get {$20000.00} forgiven when the form becomes available. If it takes much longer, I may be subject to interest payment when the pause ends on XX/XX/XXXX. 

This service is UNNACEPTABLE from Mohela. They refuse to give a timeline on when I will receive my money back, and I have been waiting well over a month.
Product: Student loan

On XX/XX/2018 I contacted Navient to explain that my current IDR loan repayment plan was based on incorrect assumptions about my income pulled from my joint tax return from the previous year. I was told to redo my application and submit documentation of my actual situation. I was told that my account would be placed in forbearance for 3 months while this was processed while this was processed. On XX/XX/XXXX, I completed my income-driven repayment plan application and submitted it with supporting documentation directly to Navient. On XX/XX/XXXX, I received an email from Navient stating that my interest had been capitalized and my new repayment amount at the end of forebearance would be greater than my previous amount. My complaint is that I was not given the option to continue to pay a specific amount to cover interest and not have it capitalize and accrue - which according to the email now equates to an additional almost {$1000.00} just for this forbearance period. It would seem like the best practice would be to ask the borrower if they would like to pay the interest and not have it accrue and capitalize and add to the principal by such astronomical amounts, just because their formula did not accurately pick up my current income situation.Forbearance sounds like a helpful term, but in this case it only helped the loan servicer, not the borrower.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Bank of America Corporation was sent the documents attached below. They were instructed in the Cease and Desist NOT to close the consumers credit account and they willfully and knowingly decided to do so.

Bank of America Corporation is in violation of multiple federal consumer laws, all listed in the Unsworn Declaration of Truth.

Bank of America Corporation is willfully and knowingly violating these laws which makes them CRIMINALLY liable pursuant to 15 U.S. Code 1611 and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

many bureaus have the wrong information on me.
Product: Credit card

I was called by the telemarketer who had my name, address, and telephone number, and the last four digits of my XXXX XXXX number. The company is Consumer Defense Group in XXXX Florida. I asked how they acquired my personal information. They claimed that I had asked the company to help me reduce my credit card rates. I know this to be patently untrue. I am very careful with my credit, I pay all charges at the end of the month and carry no balance. I would have no reason to try to reduce my XXXX XXXX credit card rate, nor any other existing consumer credit rate. I asked the company to disclose who provided them with my contact information and account number. At first they tried to imply it was XXXX XXXX, when I challenged this, they said they did n't know. At this point XXXX XXXX, a manager, got on the phone and tried to assure me that everything was legal. I asked him why they would not provide the source of my personal information. He refused. He told me he had an A+ rating at the Better Business Bureau and that he was an up and up business. I challenge that assessment, as his telemarketing call was in violation of federal do not call laws and that his refusal to give me the information about his source of my private financial data was a great cause of concern to me. At this point, he said have a great day and hung up. The phone number they used to contact me is area code XXXX. While this company puts up the veneer of respectability, one has to be concerned that at some point they may be using private personal information unethically. I make this assertion on the basis that it appears they 're violating federal telemarketing laws, and they may be inappropriately receiving personal financial data. It is not a big logical leap to worry that their ethics may be compromised.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, these accounts were not authorized by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts blocked and permanently removed from my credit file. 
Fraudulent Accounts to Block and Delete : 1. XXXX - Account Number : XXXX  - Opened : XXXX - Balance : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX - Opened : XXXX - Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report, and noticed a collection on my report. After I found out that is was XXXX, and PLUSFOUR a medical bill collector. I filed a CFPB complaint with XXXX. I am filing a CFPB report against PLUSFOUR. 

I filed a complaint against my healthcare insurers over improper billing with XXXX XXXX XXXX. This type of credit reporting when I am in litigation has to stop. Furthermore, medical bills arent reported to credit agencies. 

Requesting XXXX for violating of my rights for I am looking to buy a home.
Product: Credit reporting or other personal consumer reports

Submitted dispute for a collection account on XX/XX/year> via XXXX XXXX with TransUnion. For {$760.00}. I informed them that the account listed as a collection account is XXXX that I did not open and was done fraudulently without my permission. I requested the agency reporting to provide me with documentation stating I personally am the one who opened account, and the identity verification methods used. Also provide the original contract and proof that I was the exact same person who opened the account, because I didn't do it. So I know they can't provide proof of me personally opening the account. They did not delete or remove the collection.
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting to my Transunion Credit File. I disputed with Transunion and they refuse to correct it. On top of the incorrect information being reported I have a lot of fraudulent credit inquires that are being reported to my file that I didn't authorize or give consent. 

XXXX. XXXX XXXX XXXX {$590.00} Credit Inquires are inaccurate and do to fraud. Someone used my information with out my consent to pull my credit report. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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

After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX XXXX Equifax XXXX Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. Please remove all of these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report