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

I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Money transfer, virtual currency, or money service

Ive sent thousands of dollars using Zelle and lose money for it bank stated that cant do anything about me using the Zelle I would like to get compensation for money Ive lose
Product: Payday loan, title loan, or personal loan

I have been struggling to make payments on my Upstart personal loan since the beginning of the COVID 19 pandemic. I believed I was in a forbearance plan but my account is still being reported as past due. I have submitted a hardship assistance form twice on the Upstart website and made a call on XXXX XXXX to inquire on the hardship request and have received no response to any of my communications. I have made many good faith efforts to get my account back on track but have received no assistance.
Product: Debt collection

Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX
Product: Debt collection

I acknowledged the debt and offered a settlement offer earlier this week, XXXX XXXX XXXX accepted the offer of {$2800.00}, but when I logged in to pay it the settlement offer was over {$5000.00} so I set up payment arrangements. I am utterly concerned they were trying to make contact to me by way of a complete stranger, my father and an elderly neighbor. 

XXXX I received a XXXX message from an unknown person to me stating Diversified Recovery Bureau LLC was repeatedly calling her and leaving voicemails. She sent me a screenshot. After several days she located me on XXXX to let me know. Understandably, she was extremely upset and stated she will be filling a claim if they do not stop calling her. 

XX/XX/2024 @ XXXX am - Received text message from my XXXX, XXXX XXXX was calling to collect a debt on my behalf. 

XXXX sent an email to XXXX XXXX to cease and desist communication with the third party of my father and complete strangers regarding. Unknowing that there were one more 3rd party attempt to people who I have no personal connection too. 

XX/XX/2024 @ XXXX am - Received a XXXX message from an old neighbor from XXXX  years ago stating Diversified Recovery Bureau LLC contacted her elderly mother to try to collect my debt. I have no personal contact with the neighbor. 

XX/XX/2024 @ XXXX am- Call placed to Diversified Recovery Bureau LLC to let them know I was infuriated with their unlawful attempts and to cease all contact to anyone regarding my debt. 

XXXX State Bar- Debt collectors both collection agencies and lawyers who try collecting debts must comply with the federal Fair Debt Collection Practices Act, as well as XXXX state law. The federal law prohibits a debt collector from communicating with anyone about a debt except for those involved in the debt-collection process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX. Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I closed my XXXXXXXX XXXX account after paying off my wife 's wedding ring. That closure of the account was in XX/XX/2017. In the last 2 years XXXX has constantly been charging my account and telling me I made a purchase of a necklace. This is fraudulent. The account was closed, yet they keep upping the balance every month and destroying the credit that I worked very hard to build. At this point they are reporting {$1900.00} which was not ever used by me as I had closed that account. That have even shown on my credit report that I had been making payments from XXXX on nothing at all.This is also fraud. Each time I dispute this on my credit it gets removed, only for them to do it again. This is ruining my credit day by day and needs to be removed once and for all.
Product: Debt collection

I have received several calls from this company " Commenity Bank for XXXX XXXX XXXX XXXXXXXX ''. I have returned their call and was told that my information was not listed on the account, as well as the information for my son who has the same first and last name but different middle name. I gave them DOB and last 4 of SSN for both of us. I was old today that the specific name on the account is XXXX XXXX but with a different DOB, SSN, and address. The representative told me that they essentially fish for a possible phone number for the person on the account and call it. I have asked them to remove my number in the past and they have evidently not. My son and I have never had an account with Commenity for XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Charges were incurred prior to my getting XXXX and my income decreasing significantly.
Product: Vehicle loan or lease

NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX
Product: Debt collection

Every morning for the past month at about XXXX XXXX Enhanced Recovery XXXX calls to collect debt that has already been paid to the original creditor, XXXX and XXXX. This company has purchased these accounts. They never leave a message to have you call back nothing. Just straight robo calling nonstop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, XXXX, and Equifax to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear XXXX, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. 
Per XXXX U.S.C. XXXX ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating XXXX USC XXXX ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against XXXX filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX
Product: Debt collection

I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : Capital One Bank : Account Balance- {$1000.00} sold to XXXX XXXX Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX  : Account Balance- {$910.00} sold to XXXX XXXX XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all, please see attacthed
Product: Consumer Loan

SUNTRUST BANK MADE A HARAD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO
Product: Student loan

Countless requests via phone and recently email, have been made by me to Navient to apply my over payments to principal and do not advance my due date. Each time I was told that they would make the change. I would see the change for one month and then my due date would be advanced.
Product: Mortgage

In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion for using deceptive and unfair practices. Fraudulent information was furnished to my consumer report without my authorization or written instructions pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. The fraudulent information that's been furnished to my consumer report is not information relating to the consumer. I demand that the alleged tradeline account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ) be deleted immediately. TransUnion has failed to implement Reasonable policies and procedures concerning the integrity of furnished information pursuant to 12 Code of Federal Regulations 1022.42. TransUnion is fraudulently using unfair practices to furnish item ( s ) that has not been certified or verified by law. TransUnion and it's subsidiaries are marketing and selling consumer information which is a violation of a 2017 enforcement order requiring it to stop deceptive practices. Upon receipt of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

I opened a Checking account with XXXX XXXX on XX/XX/XXXX and a Savings account on XX/XX/XXXX. I deposited two checks, one for {$380.00} and another for somewhere between XXXX XXXXXXXX {$2000.00}. I also had a direct deposit deposited for around {$2500.00} from my job. I soon after opening got locked out of my account. I spoke with a rep at XXXX XXXX and she told me that because they are online only and do not have branches they automatically assume everyone might be fraud so they lock everyone out. I have not had access for 2 weeks now and they are holding all my money, XXXX XXXX XXXX. Each time I call they just say I need to wait and I will usually get a resolution in 10 days. It has been over 10 days and they still won't answer. They transferred me to Key Bank who I guess they use and a rep at Key Bank told me they were suprised they are locking everyone out. I saw an ad on XXXX and all the comments ( XXXX ) were people saying they were locked out for no reason, many for months. And some had accounts closed and funds not returned. I can not wait months and I need my money. They can't just steal it, it's insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to XXXX  and uploaded documents to show that I paid every month of the disputes items.

XXXX  came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the XXXX website. 

The name of my mortgage company is Mortgage Solutions Financial, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX
Product: Student loan

dept of telnet is on my credit report multiples times same amount. I have sent XXXXXXXX XXXX XXXX.a written letter to please provide proof with original contract.i have given them over 7 years.they failed to do so. and refused to take it off I also sent them letters regarding fair credit action.they still refused to remove it. with no proof I would like this off of my credit report please it has put damage on my credit report for years I have been sending letters asking them to send proof they never do.i just want my life so I can buy a home. there also credit inquires I've been disputing as well. I send letters out every day fighting for what's right please please help.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024, After not being able to log into my account to retrieve my account number, i went in person to my nearest Bank of America to get the information but i was yet again directed to an automated voice machine who couldnt properly handle my problem. I tried dozens of times to retrieve an authorization code only to be met with the same responseThat I need my account number, I couldnt access my account number because my card & mobile app was locked. Causing a circular dilemma i cant seem to get through to my money or my mobile app BOA account. Due to this situation im going to be late on paying my monthly rent & other bills. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.