23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I called about these issues and the call was transferred to a not active line. I did not make any of these charges : XX/XX/2020 XXXX XXXX   XXXX XXXX XXXX, XX/XX/2020 XXXX XXXX, XX/XX/2020 XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX purchased a sofa recliner on line from XXXX XXXX XXXX using my credit card with XXXX XXXX. The terms of the purchase were misleading. The website was not clear on payment terms if you were making the purchase using a XXXX card or using another method of payment. The end result is that I am being assessed a {$280.00} monthly payment instead of {$50.00}. I spoke to representatives at XXXX XXXX  and XXXX and could not receive any assistance. I can not afford such a high monthly payment and would not had fall victim to XXXX deceptive advertising.
Product: Credit reporting or other personal consumer reports

A request for validation was sent directly to creditor XXXX on XX/XX/year>, using the address listed on my credit report. The postal service has returned my disputes because of an invalid address listed on my credit reports. The creditor is intentionally using an incorrect address to avoid communication. Please delete this account under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of Inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTI
NG MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

There was a credit card open in my name on XXXX XXXX. I have no knowledge of this card and I didn't give this company authorization to open this account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with NATIONS FIRST CAPITA was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

They first said they were attorney collecting a debt an they have put it on my credit an on my fianc credit it is his debt but she would not listen to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information Clarity Services and XXXX are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems financing an d my FICA score is  continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
Product: Credit card

I was provided inaccurate pay by date and my account was charged off in error
Product: Credit reporting or other personal consumer reports

Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # : XXXX. All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > TransUnion said it was a deposit related but XXXX said it was UNKNOWN and XXXX has no comment 2. Account Status > TransUnion XXXX XXXX said Derogatory but XXXX said PAID 3. Date Opened > TransUnion said XX/XX/XXXX but XXXX XXXX XXXX declares XX/XX/XXXX. 
4. No. of Months ( terms ) : XXXX says ONE but TransUnion and XXXX says ZERO 5. Date Last Active > in TransUnion was on XX/XX/2023, XXXX says XX/XX/2023 and XXXX was XX/XX/2023 XXXX. Date of Last payment : TransUnion XXXX XXXX has NO Records, while XXXX declares XX/XX/2023 Thus, I demand that this account must be deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Mortgage

We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.
Product: Credit card or prepaid card

I was defrauded by a rental car agency in XXXX for an amount of roughly {$750.00} USD. I filed a chargeback with the dispute department of my Citi XXXX XXXX account on XX/XX/XXXX and submitted all relevant proof and documentation on XX/XX/XXXX ( within the timeframe I was given by the credit card company ). The dispute was marked " closed '' before my documentation arrived, and I was told that it was my fault for not submitting documentation on time. This is untrue based on the timeframe guidelines I was given, but the disputes department is refusing to reopen the dispute and assist me further. Thank you for your assistance.
Product: Debt collection

Allied Account SRVS posted a debt of {$220.00} on my XXXX credit report. I do not owe this debt and I have never once been notified of this debt. 2 complaints with XXXX saying Ive never been notified and have no information on the debt have went unresolved. How can I dispute something if no one ever gives me information on it? Conversely, how can they prove its mine if no one provides any information?
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/XXXX. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDUXXXX # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only number XXXX All other telephone numbers are not accurate.
Product: Credit reporting or other personal consumer reports

On '' XXXX XXXX '' I looked at my credit report and noticed some inaccuracies. I sent a letter to Experian on XXXX XXXX '' asking them to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent it certified mail. they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item or the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. The presence of late open accounts and late closed not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct the late open and remove the late closed accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the late closed should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.
Product: Mortgage

I went through Rocket Mortgage to refinance my home loan. I informed them that I had to close In certain amount of time they said it would happen because I had to return to XXXX, XXXX. When it came time to close they rescheduled XXXX different times and acted like I wasnt leaving saying they didnt know. They then had me get a POA for my wife which I paid for and then their legal team said it wouldnt work. Then they scheduled and changed closing about 5 times after they argued with me and my wife saying that the paperwork would get to XXXX in 5 days well its been over XXXX weeks and they keep changing my pay out and interest rates and have already cost me money trying to get through this whole process I just feel they are incompetent and have know idea how to do things for a military member or Veteran.
Product: Credit card

In XXXX 2015, I opened a Bank of America credit card to make a big-ticket purchase from a sporting goods store because of the incentives provided by the credit card. It was the only purchase I made with the card. 

Upon receiving my first bill, I saw that there was a late fee because Bank of America had not received a payment for the previous billing statement. I was unaware that there was a previous statement. I submitted a payment for the full purchase amount, which was posted on XXXX XXXX, 2015, prior to the XXXX XXXX, 2015 due date. On XXXX XXXX, 2015, I contacted Bank of America to close the account and to see about having the late fees etc ... removed. At that time, I was informed that the account was closed, but there was nothing that could be done about the late fees. 

I contacted Bank of America again on XXXX XXXX, 2015, because the bank has begun reporting my account Past Due even though it has been closed for several months. According to the bank representatives I spoke to, my only recourse is to pay the late fees and interest, and then they can request a refund of the late fee ( which is only {$25.00} of the current {$49.00} balance ) as well as a request to update the credit reporting ; however there is no guarantee that either request will be approved. Additionally, I was informed that if had requested assistance with the late fees earlier, Bank of America would 've been able to remove them ; which contradicted what I was told in XXXX. 

I acted in good faith by paying the purchase balance of the credit card as soon as I was aware there was a balance due, and it 's not unreasonable for Bank of America to exercise leniency as a result.
Product: Mortgage

It does not appear that my account was debited or credited correctly for principal payments made that should have been applied to the account, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I may attempt to resolve the issues.
Product: Student loan

All my student loans should be on XXXX. I applied for XXXX in XXXX but Mohela only put some of my loans on XXXX because some loans had a grace period and some loans didn't have a grace period. Some loans are from before XXXX  school  and some loans are from XXXX  school. Some loans had been in repayment before and some loans hadn't. Mohela has no process for automatically applying XXXX to loans after grace periods end. Instead they just put loans that fall off grace period on LEVEL. They force me to apply for XXXX a second time with all the same information as the first application. This hasn't been processed since XXXX, it is now the middle of XXXX. I have called so many times. Just recently I was on hold for over an hour and never got to a human. Despite talking to a supervisor a couple months go that put me on admin forbearance they still didn't fix my loans. The supervisor said that my loans should have automatically all been put on XXXX and that Mohela messed them up. She told me that they would put me on forbearance until XXXX and get it sorted out. My forbearance is now ending in two weeks and my loans are still not fixed. They are accumulating interest that shouldn't be accumulating. They say I owe {$1700.00} a month on my LEVEL loans and {$30.00} a month on my XXXX loans. ALL MY LOANS SHOULD BE ON XXXX! They are stealing {$1700.00} from me this month and thousands $ $ $ of interest is accumulating all because they can't do what they are supposed to do. How many thousands $ $ $ are you going to let them steal from me? I can't get the forbearance extending because I can't get through to a human. I'm a XXXX  XXXX. Do you think I have time to sit on the phone all day long while I'm supposed to work XXXX hours a week seeing patients? Does this country just want me to default on these loans? Do you just want to steal more money from me after already making me pay hundreds of thousands to become a XXXX. Should I just let patients die while I try calling Mohela for hours and hours, month after month. They will not answer. They will not fix anything. I have sent them almost 100 messages through their website. They never respond. They never fix anything. PUT ALL MY LOANS ON XXXX!!!! XXXX XXXX XXXX JUST FIX THIS XXXX XXXX YOU ARE STEALING THOUSANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that XXXX wasnt report my score to them, they havent update my XXXX score to the company. So when I called XXXX fax they give me a XXXX  XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed each bureau 7 letters and made approx. 24 phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a US citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.