23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! 

I have never received a statement from Conns. I have never received a payment book. 

Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. 

Please fix my credit report because of your errors in the payment process
Product: Credit reporting

This is now the third dispute, with Equifax surrounding an invalid and then inacurate Activity Designator value on my credit report. 

This account is closed, evidenced by the text in the comment, and the the Closed Date. 

The N/A Actvity Designator - shows NA. 
It should be CLOSED. 

I have attached a screen shot - of the XXXX account, and then also a XXXX screen shot with the BR account, and another account just like this XXXX - with the correct code. 

Please correct this code - verify its communicated status from XXXX - is correct.
Product: Payday loan, title loan, or personal loan

I received a payday loan from Ace Cash Express and it has fallen into default. I have been unemployed for the better part of the year and have begun receiving calls from someone named XXXX XXXX at a collection agency and when I called back to speak to him, I was told that person does not work at that agency. Then I spoke to someone who said i was being charged over a XXXX dollars in court fees aside from my borrowed amount. I called ace cash and they told me to call XXXX and no one answers I have called so many times trying to speak to someone about payment options. I told the other people XXXX XXXX to stop calling me and they have kept calling me and will not leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX XXXXnd Equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX . The car, a XXXX XXXX XXXX, was financed with BridgecrestXXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. BridecrestXXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. BridgecrestXXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found BridecrestXXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted BridgecrestXXXX and was told the check from XXXX XXXX had a stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by BridgecrestXXXX on XX/XX/XXXX. XXXX XXXX provided me and BridgecrestXXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

BridgecrestXXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX AND TRANSUNION have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

Hard pull on Experian XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX Inquiried on : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised. 
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again. 
I Have Reported This To The Federal Trade Commissions By Letter Years Ago. 
I Never Take Out XXXX XXXX Loans and I Never Had Any XXXX  Loans of Any kind Never. 

Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me. 
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again. 
I am Reporting This Because It Is Not Me. 
Please Help Assist Me, I Need To Know What To Do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the accounts listed immediately : XXXX XXXX # XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXXXXXX XXXX XXXX-ACCOUNT # : XXXX XXXXXXXX XXXX-ACCOUNT # : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-ACCOUNT XXXX XXXX
Product: Mortgage

It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charged my husband 's card without his permission twice for services that he did not ask for. He simply used his card to check his credit report and they continued to charge him for other services. When we called Experian, they denied that they had charged us so I had to call my bank several times to dispute the charges. Two weeks later, we noticed they were doing the same thing to my card. The charges were disputed. All of the money was returned, however, I have read so many complaints online about this same situation. This needs to stop. This isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX XXXX ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over XXXX times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax XXXX XXXX XXXX a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account its been removed from XXXX and XXXX but Experian will not remove this should be marked as inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT XXXX REQUEST SEE DOCS ATTACHED
Product: Student loan

I have reached out to AES on more than one occasion. At the start of my college career in 2004 at XXXX years old, I was unaware of the ability to apply for a loan through my universities financial aid department and what a federal or private loan was. I had several loans which regardless of circumstance would need to start repayment within 4 years or shortly after, even if still a full-time student. I had been paying on these loans with few issues for quite some time. My husband had health issues and was out of work for over half a year at the time I first contacted AES. I tried to put the loans on forbearance, and was only offered a temporary slightly lower payment amount on some of the loans managed by them. This had to be done with a payment of good faith during my conversation by phone. Financial circumstances got worse, but paid when I could. Due to all household payments hitting my own account as my husband was out of work, a couple of my monthly payments after that did n't clear. This past fall I tried to review amounts and set up a payment online when I realized I no longer had account access. I called AES to discuss the situation, and was informed by a lady that it was due to an issue with a couple payments I had made. I expressed my concern with her that my online access has always been the method used for my payments particularly since several different private student loans are listed on that single online account. She reassured me that since this was the first time this had happened, that I would be able to write and/or email the company to regain my online access. I faxed a letter to AES and received nothing in return based on the information she gave me by phone, and I also emailed more recently about the situation and got an email back stating that my online access was terminated due to my issues with payments. Due to this situation, this has caused one or more loans to go into default because due to the various loans under the same AES account with various due dates, I have been overwhelmed with various AES bills which I am unaware of which is which and what standing they are in and what needs to be taken care of first. Some loans I have tried to discuss with AES, I have been told that they collect payments on but I need to actually speak with XXXX or whomever they originated from. All I want to do is regain my account access for ease of payment and understanding of my various loans under my single servicer and/or find out which loans and what my options are to get out of default on the loans that this happened to. Please help me work this out. I am not asking for any kind of loan forgiveness, just asking for the ability to understand and pay back with ease all of my loans through AES.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accuracy of multiple inaccurate late payments reported on my credit file. You will find proof the company EXPERIAN is actively violating Federal Law U.S.C 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandating the deletion of information if it can not be verified as accurate. Failure to provide these original account-level documents constitutes a failure to verify under the FCRA and necessitates the removal of the disputed information from my credit file. Verification via automated systems is insucient and does not meet the legal standards required for an investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account and inquiry by Chex Systems. Chex Systems is Illegally reporting misinformation and wasn't given any permission by me to do so. Chex Systems reported me for suspected fraudulent activity on XXXX Account Number : XXXX. I believe this to be the result of Identity theft and have submitted an FTC report along with documentation that's need in order to investigate this matter.
Product: Debt collection

PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU
Product: Debt collection

Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. They are reporting an inaccurate account in the amount of {$8200.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XX/XX/XXXX XXXX, and lastly in XXXX of XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately.
Product: Student loan

Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.