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

On XX/XX/XXXX, I reviewed my credit report and the account XXXX, in which was closed on XX/XX/XXXX. I have been repeatedly disputing this account with Transunion since XXXX of XXXX. I have been disputing this account, due to identity theft on many different occasions. This account was removed in XX/XX/XXXX, however was added back on there. Now, the account is closed, however it is reporting has a negattive account, in which is decreasing my score. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.
Product: Debt collection

I wrote to Portfolio Recovery by certified mail on XXXX XXXX, 2016 requesting validation of the debt they claim I owe them. I have received no response from them and it 's past the allowable time limit for their response. Yet, they continue to report inaccurate information on my credit report. I have asked them to remove this listing from my credit report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexisnexis won't let me get my credit report the code they sent me in the mail to access it online does not work and shows a error screen and i can't get my report it does not work
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CBNA/BBY Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

For over 3 years, apartment credit collections have been coming up on my credit for apartment rentals in XXXX. I have never lived in XXXX Once I realized this was happening I filed a police report in my home city, XXXX, XXXX where I have lived for the past 20 years. I have successfully disputed over 5 apartment collections with my police report and statement. Columbia debt recovery refuses to release my account even though I've provided all of my proof including photo ID, social security card, police report and statement. This collection is showing up on my credit and ruining my credit. You all allowed them to close this complain by simply providing a lease. It doesn't make sense, where is the proof that I was the tenant they lease to? Where is the photo ID they would have collected of the tenant being leased to and the background check? I need this removed from my credit asap.
Product: Credit reporting or other personal consumer reports

Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. Navient has repeatedly violated my privacy & has failed to remove these items from my credit report.
Product: Vehicle loan or lease

Had a repossession from Credit Acceptance corporation in XXXX of XXXX. I got the XXXX XXXX XXXX  XX/XX/XXXX. Had vehicle for almost 3 years car payment was {$440.00} monthly could no longer afford that payment. Also, every time I called for payment it would still say my payoff was over {$20000.00}. When I got car from XXXX XXXX in XXXX VA the car was a little over XXXX dollars after finance was added only was supposed to be little over {$17000.00}. I received a summons to appear in court in XXXX VA on XXXX XXXX being sued for over {$8000.00} by a third party agency C/O XXXX and XXXX XXXX XXXX XXXX VA for Credit Acceptance XXXX XXXX XXXX the salesman never told me nor did I see where I had to pay over a 22 % interest rate nor would have agreed to pay XXXX dollars for a vehicle that I was told was only gone cost me a little over {$17000.00}. I am a victim of Predatory Lending by Credit Acceptance. Credit Acceptance sold the vehicle in an auction in XXXX VA. I will not have a car been lost the money that I paid into the car and they have my money that I paid into car and the money that they sold car for. Credit Acceptance recently had a lawsuit in XXXX XXXX XXXX for doing this to other customers. They take people like me and do this Predatory Lending. I would never agree to pay that kind of interest on a vehicle.
Product: Credit reporting or other personal consumer reports

I am trying to unfreeze my credit. When I go to log in online it tells me to call to unfreeze the crefit. When I call they tell me there is nobody that can talk to me at this time and then tells me to use the site. Neither work.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding a multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an unauthorized inquiry from XXXX XXXX XXXX on XXXX. This unauthorized inquiry has affected my credit scoreprofile and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my consumer report immediately from all three credit agencies XXXX, Transunion, and XXXX.
Product: Credit reporting

Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
Product: Mortgage

I have 3 mortgage loans being serviced with PNC Mortgage. I also believe I have an impeccable payment history thru the 17 years these loans have been in servicing. For some reason, in XX/XX/XXXX, the payments of each of these mortgages were not credited to the account until XX/XX/XXXX, 1 day past the grace period allowed before a late fee is assessed. The payments were sent electronically on the XXXX to the bank, before the expiration of the grace period. I asked the bank to review and consider crediting the late fees, which total over {$200.00} between the 3 loans. But the representative indicated she could not waive them because ( 1 ) she could not verify they were electronically sent on the XXXX, and ( 2 ) they had previously waived a late fee for in XXXX of XXXX. ( almost 13 years ago ). What bothers me is the fact I know the payments were made thru their electronic servicing system on XX/XX/XXXX and they were unflexible in taking action to recognize it and accept the payments without penalty.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report tied to 15 USC 16c-2. The inquiries listed were not authorized by me, and this incorrect information is affecting my credit. Please remove all unauthorized hard inquiries. Thank you.
Product: Student loan

It took my servicer, FedLoan Services, 6+ months to complete my request to continue my IBR repayment plan. I made an error on the initial renewal application - I ticked 1 box incorrectly - in XXXX XXXX and my renewal was not fully approved until summer XXXX. FedLoan said they were not able to transmit documents electronically, so I had to submit my paperwork via snail mail - there were at least 30+ days between submission, receipt and review at each iteration, then another period of time before new repayment terms would apply. Thus, my repayment options were to either default temporarily or pay the standard repayment amount of $ XXXX mo- vs my prior IBR repayment level of $ XXXX mo ( and I did not trust their advice that defaulting would have no impact on my credit rating, so I was constantly behind at the standard repayment level until the IBR renewal was approved ). During this time, customer service was vague, confusing, and inaccurate on the timing and status of my application - I spent many hours on the phone trying to understand my error, the process and get updates on when it would be resolved. It was enormously frustrating and costly. I understand FedLoan now accepts documents electronically, but given the recent lawsuit and attention to the poor service from these servicers, I wanted to add my experience to the chorus.
Product: Mortgage

XXXX XXXX Requested Forbearance based on CARES ACT. I specifically asked if my loan or credit would be negatively affected. I was definitely concerned about that, I did not want to request a forbearance, but we were in a tough financial position due to COVID, and being on XXXX XXXX. Flagstar assured me that I would not be negatively impacted, the loan will be on pause and the time would be added to the end of the loan. 

XXXXthere was no paperwork I signed in order to enter forbearance, I completed a quick online application After a couple of months, I called concerned after seeing my total amount due being increased as if I am in debt that amount. They assured me that since this was a COVID forbearance, after my forbearance is over they will adjust my loan and this will not negatively impact me. 

Feeling confident in what they repeatedly told me, we took our time to get our finances in order and remained in forbearance for 1 year. 

XX/XX/XXXX, we requested ending our forbearance, we were told to make payments for 90 days in order to end the forbearance XX/XX/XXXX our forbearance ended. We were told that in order to make our account current, we would need to resign a new loan. Essentially like a refinance, and by doing so our mortgage insurance would also be removed. 

New loan documents showed that my mortgage loan went from {$490000.00} to {$520000.00} My original loan ( XX/XX/XXXX ) was : {$500000.00} Update XXXX XXXX : Called Flagstar to request copy of my forbearance application and agreement. Rep looked for a while and stated that she could not find an application for forbearance. Instead sent me a document that was mailed to me showing that I was in the forbearance program. I asked how I was able to agree to the terms of the forbearance if their is no documentation, and she was not able to answer that question. 


Summary : We feel that Flagstar participated in predatory lending practices by not being clear about the fees or financial implications of being in forbearance Had they been clear, we would not have entered into forbearance, as difficult as that would have been for us They reassured me this would not be harmful more than once, when I shared concerns about the financial implications of forbearance They took advantage of people in vulnerable situations during a worldwide pandemic They indicated we would have our mortgage insurance removed after refinancing We were told refinancing would bring our account current, but were not informed that there would be a significant increase in the loan balance. 
Neither party has an agreement to the terms of the forbearance, another example of how nothing was clear or agreed upon, and they were able to assure me via phone that there would be no fees or negative consequences.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to severe XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

XXXX. This late payment status is irrelevant BANK XXXX XXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within XXXX days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.
Product: Credit card

I opened a Best Buy credit card in XXXX to buy a Washer/Dryer set with. Citi bank was the issuer of the card and only gave me a {$1000.00} limit which was not anywhere near enough nor appropriate for my credit history. 

I had no intention of using the card after such ridiculous credit limit, and I have never used the card once let alone activated it. And when I log in to my account with the bank. Zero transactions are on the card yet the bank is trying to say I have {$60.00} in collections on the card that was never used. 

This card has never been used and is not even desired because the bank didnt give any credit limit that could be useful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a complaint for Experian because I am a victim of identity theft, along with FTC, a copy of my Social Security card and my NYS driver liscense, in return, Experian responded that I Need to send the same items that I already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. My XXXX XXXX XXXX XXXX Expires. I leased a new XXXX XXXX XXXX. XXXX changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with XXXX XXXX XXXX XXXX, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by XXXX. 

I have pleaded with XXXX to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. XXXX and Transunion are extremely difficult to communicate. They w
Product: Credit reporting, credit repair services, or other personal consumer reports

Old late payments keep popping up which wasnt late auto loan. 
Discover is reporting negative and its not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50.00}
Product: Credit reporting or other personal consumer reports

As of this date I have pulled all financial power of attorney from Capital One ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX.. for the state of Louisiana.. As the principal of this account I have signed and do now pull all Power Of Attorney From Capital One ( Creditor ). This account is now closed to creditor. 

This Alleged Creditor Has Never Once Provided : 1. Chain Of Assignment Or Change Of Assignment 2. Date Of First Delinquency 3. Date Of Late Payment! 

4. Or Proof Of Ownership Of This Alleged Debt
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the XXXX credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX {$93.00} XXXX  XXXX  XXXX XXXX {$120.00} XXXX XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX  XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I have an auto loan with First Investors account XXXX XXXX and its almost paid off. I owe about {$4300.00} on it have been making payments to pay it off. Recently I checked my credit report and they have reported my XXXX  charged off and I dont understand how or why. I just spoke to a rep last week when I set up a payment and they never said my account had been charged off except I was XXXX days late. So how is my XXXX  being charged off?? This happened after I disputed my XXXX being XXXX days past due which was incorrect and I guess they didnt like that and decided to charge my XXXX off even though they were getting payment and my XXXX wouldve been paided off this year. My XXXX XXXX had went down on XXXX for them reporting my XXXX  charged off when it shouldnt be. I proof of sending payments and I had just spoke to a representative last week when setting up my payment. My XXXX wouldve been paided off this year and I wouldve had the title. I dont understand how they can do this to me.