23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a home equity loan with Truist Bank in XXXX, MD. For the last six months, we have been assessed late fees and received debt collection calls for non payment of our monthly loan amount. HOWEVER, all payments were made on time, yet each month, including XXXX, we are assessed late fees and receive collection calls. We have spoken to Truist but they have not solved the problem. We received an illegal debt collection call again today, about our XXXX payment. We made this payment on time and our account has been credited. We are very concerned that our credit rating will be permanently damaged and are concerned about Truist 's fraud, regulatory noncompliance, misrepresentations, fraudulent and deceptive business practices, and illegal debt collection calls. We appreciate your help to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Product: Mortgage

Ms. XXXX suggested that Wells Fargo was unable to establish contact with me. This is a lie since Wells Fargo has not attempted to contact me. The last time I spoke to them, I was told that XXXX XXXX was handling my case. They have my telephone number as I have been their customer for at least two years if not more. Mr. XXXX did not contact me to tell me someone else was handling my case and no else did either. 

I believe Ms. XXXX is basing her inaccurate information off of XXXX XXXX lie which suggested that I did not want to receive any phone calls ( See Ms . XXXX  first response REQUEST FOR NO MORE PHONE CALLS on page 4 ). What I told Wells Fargo was I wanted a response to the VA form issue in writing ( via email ) instead of a phone call since I did not trust that they would call me back. I also wanted the response in writing in case they decided to change their answer and I suffer the consequences from the VA. Even before this is issue, I was lied to and told someone would call me back. Many of those phone  calls never came. Days before I spoke to XXXX XXXX, I had a long conversation with a Wells Fargo representative and she told me someone would call me back. That call never came and when I called, I was eventually put in contact with XXXX. 

In addition, Ms. XXXX just attached the responses that Ms. XXXX sent without doing any work. I provided an email that contradicted Ms XXXX Horns statement that no evidence that the loan would be completed and boarded by XX/XX/2020. I did not specifically address that date but XXXX XXXX did in the email he sent me. Ms. XXXX did not even address email in her non-response/resolution. 

During a call with a Wells Fargo representative on XXXX XXXX, I was told that during a refinance interest is accrued daily if the payoff is not made by XXXX XXXX CT to Wells Fargo billing. The question that Ms. XXXX and Ms. XXXX have refused to answer is why there was a delay from the refinance office to the billing office which then lead to insufficient funds being available to close out the original loan I am resubmitting my complaint and will continue to resubmit my complaint until Wells Fargo addresses my concerns rather than cherry-pick and provide false narratives to my concerns. Outside of the email from XXXX XXXX, nothing has changed in my complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an unathorized loan was taken in the amount of {$100.00} on XX/XX/2023 an unathorized loan was taken in the amount of {$120.00} On XX/XX/2023 an unathorized loan was taken in the amount of {$130.00} I have disputed the transactions as fraudlent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter on XX/XX/XXXX, asking them to correct five mistakes on my credit report. They have not responded yet. They are supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW
Product: Mortgage

I got behind on my payments on my second and third mortgages. Under threat of foreclosure I forwarded Chase checks to satisfy all due amounts on XXXX XXXX, 2016. I did not hear that my checks were received or cashed until I contacted a Chase representative on XXXX XXXX, 2016. At that time I was advised that the amounts that I had looked to be enough to reinstate XXXX mortgages. I was advised that XXXX mortgage would clearly would be reinstated. On the other mortgage the representative was uncertain as to whether I sent enough money 's in. He advised me he would contact me should additional fees or monies be needed. The representative did not call me as he indicated he would. 
In early XXXX I received a letter from Chase dated XXXX XXXX, 2016 that indicated both mortgages were referred for a Foreclosure Process. 
I sought information as to when a Foreclosure process might have been filed and was advised it was filed on Recorded on XXXX XXXX, 2016. 
As noted above, the checks that I wrote to Chase were dated XXXX XXXX, 2016. XXXX of the checks had the date written as received on XXXX XXXX, 2016, and stamped for processing on XXXX XXXX, 2016. This particular check was not processed by my bank until XXXX XXXX, 2016. 
The other check, dated XXXX XXXX, 2016, was noted as being received on XXXX XXXX, 2016, but not stamped for processing until XXXX XXXX, 2016. My bank processed this check on XXXX XXXX, 2016. 
I wrote Chase additional checks on XXXX XXXX, 2016. XXXX of the checks indicates it was received on XXXX XXXX, 2016, but was not stamped for processing until XXXX XXXX, 2016. My bank did not clear this check until XXXX XXXX, 2016. The other check is not available to me. But, my back indicates it was processed by them on XXXX XXXX, 2016. 
This week received monthly statements from Chase which indicated a monthly payment was required by XXXX XXXX, 2016. These payments under XXXX mortgages were mailed on XXXX XXXX, 2016, and XXXX XXXX, 2016. XXXX billing invoices indicate I am current on monthly payments noted. 
Unfortunately, Chase continues to pursue Foreclosure procedures and I continue to be contacted to by real estate agencies, and attorney offices. 
At this time, I really do n't understand why Foreclosure procedures were ever recorded based upon the information a Chase representative provided me on XXXX XXXX, 2016. Furthermore, I fail to see why Chase would pursue such an option when the information they provide me clearly indicate all delinquent payments have been received. Moreover, Chase not only received delinquent payments but the amounts of moneys sent them far exceeded what was due. 
As of this date I have been advised that my property is set for sale on XXXX XXXX or XXXX, 2016. I want to know how Chase can do this when no further funds or fees are owed them. 
Your help in this matter would be appreciated.
Product: Debt collection

XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. 
account # XXXX in the amount of {$100.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dated XX/XX/XXXX  and XX/XX/23 please investigate and provide proof with statements showing that these payments were late. If proof can't be provide i demand these be updated to paid as agreed on time as they should be due to the fact i was never late. thanks! please see screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

NC Financial -XXXX : This is a fraudulent account. I have tried disputing this with the original company and they denied the request even though I have filed a police report against this. It needs to be removed from my credit report immediately!!!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I called XXXX and XXXX to report a fraudulent account open on my credit report. I submitted the submitted a FTC complained number that I have submitted to FTC to both credit bureaus XXXX and XXXX. 
On XXXX XXXX XXXX completed my dispute stating that it was not valid. So it took them 3 days to investigate. 
On XXXX XXXX, I received a response from Transunion, with the same information as XXXX. The account that I have not open and that I have call XXXX XXXX that was not mine still on my credit file. I have a fraud alert on my credit and Transunion and XXXX.
Product: Credit card

Comenity Bank is charging my debit card without my consent on 4 different occasions now. They state they do not do that but my bank statements reflect the charges. I never gave them permission to charge my debit card.
Product: Credit reporting

Wrong address. Never stayed at XXXX XXXX XXXX XXXX, Ms XXXX
Product: Credit reporting or other personal consumer reports

I was a part of a data breach, and I have inquiries on my report that I don't know nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two charged off accounts from 2019 with Barclay 's and have been trying for months to pay it off and settle it and have received nothing but grief. First it was sent to XXXX XXXX XXXX then it was sent back, then back to XXXX, then back to Barclays. I've been told by several people that " we can't locate your account and don't know where it is ''. 

No one can find the accounts and as of today I have made more than 314 calls over a 3 month period without resolution!
Product: Student loan

I contacted Great Lakes regarding my Bankruptcy and that I was ordered into repayment of $ XXXX because of the student loans which I have been paying for several years and Great Lakes is also wanting to me to repay them also the $ XXXX. 
I sent Great Lakes the Bankruptcy Order of repayment. My student loans with Great Lakes were put into Default and now sent over to Nelnet and I must set a up a payment schedule. 
I am still paying the court order bankruptcy repayments as ordered by the Bankruptcy Ordered to pay off the Student Loans. However, by setting up a payment scheduled payments with Nelnet I would be paying double the amount. 
I Filed Bankruptcy in 2015 here in district of XXXX of Florida and submitted my repayment and court ordered repayment to Great Lakes a couple of years ago and to date have never received any response. I have also talked to them on the phone a few years ago and they have told me that as far as they were concerned, they have no records of the bankruptcy, and I must repay all student loans. 
I also enrolled at XXXX University Online under the guise that I was taking courses for XXXX and XXXX XXXX and that was not the case. After many inquiries after a couple of years of them telling me to continue taking classes and the classes would get to the XXXX XXXX and XXXX one person finally told me they did not offer XXXX XXXX and XXXX at their college. They deceived me and signed me up for courses I was not interested in and beyond my scope or educational background.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : Contract caller XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnished a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with USAA SAVINGS BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and USAA SAVINGS BANK and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and need to dispute the accuracy and completeness of certain information. This information is negatively impacting my credit report, and I request immediate correction. believe 30 days is a reasonable timeframe for your investigation. After completing the investigation, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted.

Please stop reporting these accounts as late on my credit report immediately. If this request is not addressed, I may pursue legal action against your agency. The specific information I am disputing includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Checking or savings account

I received an email from Chase bank. Says J.P.Morgan, they want me to update my account information. I do not have a account with Chase bank and I know not everyone is wise to this scam so I am reporting it. They got zero information from me
Product: Debt collection

this debt was discharged from a bankruptcy and I would like apex to remove this item from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.
Product: Credit card or prepaid card

I was told by a USAA Customer Service Representative that there was a 6 day grade period for payments to credit card accounts. I paid within this grace period. USAA has chosen not to honor this grace period and has instead charged a {$92.00} interest fee to my account and is unwilling to reverse this fee despite having been told that there would be no such fee due to the grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a traveling XXXX worker working XXXX and have been for a year. Self INC closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have XXXX setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact SELF owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.