23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.
Product: Debt collection

I have contacted this company and their affiliates multiple times via Priority US Mail delivery with confirmation to dispute the debt and to inform them to cease and desist contact with me. They persist. They do not care or fear the rules of the FCRA. 

First contact date ( this year ) - XX/XX/2022 ; Dispute mailed via USPS Priority mail Second contact date - XX/XX/2022 from affiliate ; Dispute mailed via USPS Priority mail Third contact date - XX/XX/2022 ; Dispute mailed via USPS Priority mail Fourth contact date XX/XX/2022 ; Complaint filed with CFPB This company has contacted me in prior years at other addresses as well, which I have a record of. I responded and disputed their claims then as well. 

The company will send me a collection letter, I'll dispute it, provide my Federal Identity Theft Report, denial of ownership of debit, other information, and/or cease and desist response ; then they will respond with an unrequested " validation of debt '' and persist to contact me. Rotating the account from affiliate to affiliate.
Product: Credit reporting or other personal consumer reports

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, Trans Union, and XXXX by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX  position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX in the XXXX XXXX  of XXXX and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX  is busy and I do not have time to be on the phone as XXXX  bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 
In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), Navient the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

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

I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Product: Credit reporting

am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting

I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of Bureaus. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax is reporting that a payment to XXXX XXXX XXXX XXXX was late for XXXX XXXX it was not. I have the information from the other XXXX bureaus to show it is not. Equifax must update my payment history and reflect this account was never late.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Checking or savings account

XXXX XXXX received email from Navy Federal Credit Union that an account was opened and that I would be receiving my debit card. 
XXXX XXXX received email from Navy Federal Ctedit XXXX XXXX my new account. 
XXXX XXXX. Called Navy Federal Credit Union and reported fraud. They processed my claim and will investigate. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Reporting fraud on the Federal Trade Commission website
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to remove these 4 inaccurate accounts on my credit report. They have not responded back to my request. I would like for these inaccurate accounts to be removed from my credit report immediately. They are violating my rights and hurting my ability to obtain credit. I asked for these accounts to be blocked and deleted. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}
Product: Mortgage

I sent in a principal payment of XXXX in online bill pay to be at Ocwen mortgage by XXXX/XXXX/16. I checked my bank balance and mortgage balance daily to see if it posted. By XXXX/XXXX/2016 I finally called the mortgage company and was told they had not received it, they recently had changed their mailing address according to the representative and thats probably why it was missing. They told me to put a stop payment on the check from my bank and gave me the new address to send it to. I put a stop payment on the check and changed the address in my bill pay to the new address. I had the bank resend {$27000.00} on XXXX/XXXX/2016 to be received by XXXX/XXXX/2016 to Ocwen Mortgage. In the meantime I received a letter from Ocwen Mortgage with my previous check attached to it stating they were returning it because if I was paying off my Mortgage loan they needed certified funds. I immediately called Ocwen Mortgage and explained to them that it was simply a principal payment and not a payoff payment. My payoff was {$29000.00} my check was for {$27000.00}. Fast forward my new online check was to be received by XXXX/XXXX/16 and I again checked my balances daily. Finally on XXXX/XXXX/16 and still no record of my payment I contacted Ocwen Mortgage they did say that they received my payment from my bank however payoff payments were to be made by cashiers check and I again explained that it was simply a principal payment. It was then explained to me that my bank who sent the money would have to call them and fax them verification that funds were there and they had subtracted from my account. This is online bill pay I explained and I have been using this for the last 7 years with no problems!! Why now? Finally I was given to an escalation manager and I reexplained my story and I was told that they would take care of it and would call me Tuesday XXXX to let me know status. I received a phone call on XXXX and they left a message stating nothing had been done and they would call me in a day or XXXX. I called them on XXXX XXXX 2016 and again spoke to an escalation manager who was really no help. I explained to her that I would be contacting cfpb if this was not resolved. In the meantime I have been paying interest on a mortgage balance of {$29000.00} instead of {$2500.00} since XXXX/XXXX/16. I simply am trying to have my payment applied to my mortgage.
Product: Debt collection

I filed a complaint agains t Wells Fargo w ith CFPB on  XX/XX/XXXX  about their  XXXX  discrimination for a two month Deferment while I was on medical leave and they would n't provide assistance for  XXXX  medical leave only if I was physically at my job before my complaint and still after their response to my complaint.   When I submitted my final response letter to their counter response, I included a CEASE & DESIST from all telephone contact which is still on file with CFPB, They attempted to call once right after that in late  XXXX  which is their right by law, however They started calling again in  XXXX  and continue calling me.  XX/XX/XXXX  is the first time I have become one month past due on my loan, due to loss of employment, but they called me on  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message, and  XX/XX/XXXX  no message left. Like I advised before, do not contact me by telephone, email  or US ma il is fine, however I have not received any written contact from Wells  Fargo Auto Finance  at all just these calls. I do not wish to be called ever. My loan history will show that my pay history has been perfect until now. I am not just suddenly going to stop paying my loan, I am waiting for unemployment to kick in at which point I will be paying again. Again I do not wish to be contacted by phone and should not have to provide a seco nd Cease and Desist req uest in writing again!
Product: Debt collection

Hello, On XX/XX/19, I received a notice from my credit report tracking system that Enhanced Recovery Company ( ERC ), posted a {$140.00} collection/chargeoff. I was never notified of any collection activity by this company. They never notify me of this mystery debtor that they would allow me to dispute the debt, before placing any wrongful debt on my credit report.

Company Information : Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) -XXXX
Product: Debt collection

A man called my cell phone said, " This is an attempt to collect a debt is this _________, I replied, it is and who are you? He replied, Reliant Capital Corporation, I need to get some information to make sure I have the right person on the line and not an impersonator, what's your date of rent birth or your social security number? I gave my date of birth and the caller hung up. I called back and the person who answered the phone said his name was XXXX, phone # ; XXXX, time XXXX XXXX ( EST ). Note : there was a lot of people in the background speaking in a different language. XXXX also wanted my DOB or SS number when i refused he hung up the phone. They never told me who they were collecting for, they were just trying to collect personal identifying information.
Product: Debt collection

Ive received mail stating that I owe a discover credit card. This account thats shown on my account was not me.
Product: Debt collection

The account was charged off yet still on my credit report with balance of XXXX as of XXXX. This on XXXX. 
On XXXX the account on XXXX it was charged off plus sold.with no balance.. 
The credit or charged the debt off the sold it to collection agency. I am not liable for this.They should have sent XXXX taxable income on my end.. They did not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MY CONSUMER REPORT AND I CAME ACROSS 1 LATE PAYMENT ON AN ACCOUNT THAT I HAVE NEVER BEEN LATE FOR. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT XXXX XXXX XXXX XXXX. CONSUMER REPOTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. 

PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THIS PAYMENT WAS LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS IT SHOULD BE AS I WAS NEVER LATE. THANK YOU
Product: Consumer Loan

Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I