23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Just checked my credit score and I see a new collections account with Security Credit Services. The original creditor says XXXX XXXX, XXXX. The alleged amount owed is {$350.00} and the alleged date opened is XXXX XXXX. I have never heard of Security Credit Services or XXXX XXXX XXXX and I certainly have not leased anything. This needs to be removed off of my credit immediately as this debt does not belong to me.
Product: Vehicle loan or lease

on XX/XX/XXXX, I have made a loan with BMW Financial Service. I'm in a good standing paying customer. The account is XXXX. This loan is suppose to mature in XX/XX/XXXX. Since today, XX/XX/XXXX, I've

officially pay off the loan via ACH transfer, which I've done so for past years as their customer. Yet, they will not release the loan due to ACH transfer is not a source of verified fund. I've been paying from the same source for the past 5 years on different accounts of loan with BMW FS. I do not think they are treating my right for pre-terminated the loan equally. I've attached a screen shot of my loan has satisfied for your reference.
Product: Debt collection

I would like to file a formal complaint against Kohls/CapOne. I have sent several formal requests, dated XX/XX/XXXX through XX/XX/XXXX which I have certified mail receipts for, to validate accuracy of debt being reported to the credit bureaus. Their first response was we no longer have your credit application on file, as the retention period has passed. Then they turn around and send a separate notice stating our previous research indicates the information that was furnished to the credit reporting agencies is accurate. My question is how is this accurate/validating debt if at first you no longer have application on file bearing my signature, then somehow after their research it is now accurate. Then out of the blue a different amount of debt starts reporting to the credit bureaus. Their reporting is inaccurate and incomplete. Tried disputing with the credit bureaus, and they too say debt has been verified and updated but when requesting to provide how they verify, they can not. That is not legitimate verification/reportingaccurately. My requests have been clear and specific, but yet Im getting the same responses over and over that are not addressing my requests to validate this debt and the accuracy of the information being reported.
Product: Credit reporting or other personal consumer reports

In Florida, the statute of limitations applicable to a debt collection lawsuit is generally five years. This means that once five years have passed, a creditor generally can no longer file a lawsuit against you to try and recover on that old debt. BY LAW This account is for XXXXXXXX XXXX 

, incomplete, or unverifiable information must be removed very inconsistent on each report
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting false information on my credit report for about a year. After a debt was paid and was supposed to removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters on XXXX-22 asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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.

If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Product: Debt collection

We are having a problem with the Company Affirm and XXXX trying to collect money thats not owed to them and they have already been refunded back already by the vendors XXXX XXXX and XXXX XXXX. Affirm is trying to force us along with XXXX to pay money we do not owe and damage our credit with this collection they have on us. 
In XXXX of XXXX my husband and I went on to XXXX website to book a flight from XXXX, XXXX to XXXX Florida for dates XX/XX/XXXX XX/XX/XXXX. The first booking was made on XX/XX/XXXX, under XXXX Trip number XXXX in the amount of {$540.00}. The company Affirm was the loan Payment Company under XXXX XXXX in which XXXX was the merchant. When you book with them the reservation is paid in full to the Airline by a credit card XXXX or Affirm and you make your loan payments to Affirm. I never during the transaction ever provided a credit card or anything just my back account to be drafted for the payments from Affirm. 
On XX/XX/XXXX, we canceled this flight due to medical reason which is allowed with the airline as long as we can provide the medical documentation with it. My Husbands Medical Doctor did provide the medical documentation reason letter to why he wasnt able to fly. I have provided Affirm, XXXX several times documentation showing on XX/XX/XXXX @ XXXX XXXX XXXX booking cancellation and a refunded back to them under reference Code XXXX. XXXX XXXX also cancelled on XX/XX/XXXX, under reference XXXX XXXX. The company Affirm is trying to say Im not allowed to cancel a flight regardless of my husband medical condition and price line is supporting it. All of this detail information was also disused with XXXX Manager XXXX XXXX XXXX  XXXX and XXXX in Travel department who refuse to give her Employee ID. 

We have received letters from Affirm stating during their dispute investigation that we are responsible for the loan still. Since we couldnt get closure with Affirm we contacted our attorney and they sent them a letter XX/XX/XXXX, disputing the collection. It wasnt until XX/XX/XXXX, that we got a response back from XXXX XXXX Legal/Agency Complaint Specialist of XXXX XXXX XXXX ( See attachment ) The information he provide is false because we never provide a credit card. On XX/XX/XXXX, we contacted both XXXX XXXX and XXXX on a record call asking them to verify the credit cards they refunded. We gave them every credit card number we owed and none of our card is the ones used for the reservation or the card they refunded. The information XXXX XXXX XXXX is a complete lie. We reached out to XXXX XXXX XXXX and Affirm on XX/XX/XXXX, and as of this day XX/XX/XXXX, we have not heard back from him or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Capital one account number ending in XXXX Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and lastly XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to 15usc 1681 EB You are supposed to assure maximum possible accuracy. These accounts are NOT accurate according to the fair credit reporting act. Delete accounts immediately for violating 15 USC 1681 EB.
Product: Mortgage

Loan was offered for interest rate reduction. We took it. 
Noticed that payment did go up just a little at first but were told not to worry because it was our escrow that made it go up. 
I discovered accounting errors in how the escrow was handled ; IE during the refinance in XX/XX/201, a little over XXXX was added to the loan refinance. I thought why so high? I continued to dig around and discovered the XXXX was for escrow. In an email the female who offered the XXXX said that they, Veterans United were paying the closing costs ALL OF THEM. Alright, so where did the money go? 

No one can tell me. I had to request documents from Veterans United dba Mortgage Research Center, closing documents from the Title Company, letters, bank statements to reconcile this mess myself. 

Veterans United mishandled our escrow- missing {$3100.00} Veterans United misplaced, " lost or stole '' 1 mortgage payment ; based on their own numbers, {$1800.00} Veterans United violated the law by charging fees during a pandemic when they already had the paperwork asking for hardship due to spouse being furloughed starting XX/XX/XXXX. They cited in a phone call how sorry they were and the money was to be returned. That was false. No monies have been returned and as a matter of fact the couple of times we were late VU charged 3 times amount of fees that was legal. Total= {$1900.00} VU charged NSF during the pandemic when we didn't make payments starting XX/XX/XXXX. I am unsure how a business can charge NSF when no XXXX payment was made. EXPLAIN THAT. Then they charged not {$25.00} but {$250.00} in fees. 

The company then sold our loan to XXXX XXXX. That is how they responded.
Product: Money transfers

On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Student loan

Hello, I've worked with XXXX XXXX XXXX for my student loans. My question to the company is how many payments that I've made qualify for Public Service Loan Forgiveness. I've contacted the company by phone and email many times to get a printout of what payments qualify and don't qualify for public service loan forgiveness. This has been going on for over a year and a half. I believe I'm getting close to student loan forgiveness, but can't get any information about how many payments of mine qualified or don't qualify. I appreciate your support in this matter.
Product: Checking or savings account

In XXXX of XXXX, my bag containing personal items and documents such as my phone, my agenda with bills and account numbers, my social security card and my wallet with all my cards. Since then, the thief has done horrendous things to all my accounts ( at the time they were active but now they're closed ). 
I am a victim of Identity Theft. The thief took over all my online banking profiles. I honestly had to close everything and start from XXXX. 
Chase has been really hurtful and rude throughout this entire process. First, when I originally explained to them that although I've made one or two claims, the rest wasn't me and that I did not file any claims, they wouldn't listen. They would laugh, make sarcastic remarks, and be as condescending as possible. 
Finally, Chase decided to end their banking relationship with me indefinitely and I believe that is completely unfair. 
I have so many supporting documents/proof that proves my innocence and they don't even have the decency to accept any of it. 
My last call, the rep sounded visibly annoyed and said " well... you've done claims before right? so it's kinda right '' and I just think that's totally unprofessional. Chase is also reporting inaccurate information to XXXX XXXX XXXX which is a CRA therefore FCRA laws are in place. 
They have also held my money against me and have not made it simple for me at all. 
Please fine them and have them get proper training to avoid future mishaps.
Product: Student loan

When I left school, I left XXXX in XX/XX/XXXX ( lender issued by the school when I graduated school in XX/XX/XXXX ) and consolidated my  loans with Nelnet. After I found a better rate with XXXX in XX/XX/XXXX, I left Nelnet. In XX/XX/XXXX, three months after I was done with Nelnet, they charged me {$1200.00} ( {$1100.00} of principle and {$100.00} of interest since XX/XX/XXXX ) and said it was due to a leftover payment from XXXX all of sudden discovered during the consolidation process with CommonBond. 

When I called XXXX to ask if they had charged Nelnet, they said my account with them has been closed since XX/XX/XXXX and no changes have been made with them ever since. They even showed me proof ( because I can still log in and access my account ) that all payments regarding my account were made back when the consolidation happened in XX/XX/XXXX and they were able to provide a letter confirming that which I sent to Nelnet, along with all payments made to that account. 

Nelnet is lying and issuing fraudulent charges to borrowers like myself. I have had over 4 points of contact with Nelnet and not a single person can show me the proof on their end that XXXX charged them, hence why they would be passing on that charge to me. This last call I had with them today ended with them saying they are firm on their stance and will not show me the invoice, or comparable evidence I am looking for. I will not pay them because it those charges are made up and they need to dismiss this right now. This one pending charge with them is appearing as an extra line of credit in my credit report and that is unacceptable.
Product: Credit card or prepaid card

In reference to complaint # XXXX Chase credit card that was stolen on XX/XX/XXXX - used at XXXX not by me on XXXX XXXX in XXXX MO by to 2 young males that police have on a video - I have a police report. 

Chase Credit Card XXXX XXXX XXXX XXXX For amount of {$500.00} Received letter from Credit Card company stating I had the card in my possession and would not reverse credit card purchase. They are stealing my money the clerk at the store should have asked for ID - XXXX XXXX XXXX
Product: Prepaid card

I received a {$70.00} prepaid XXXX debit card as a rebate from XXXX tires for purchasing a set of tires. I submitted my mail in rebate some time around XXXX XXXX XXXX. I don't recall how long it took to receive the card but it was most likely 4-8 weeks. When I received the card it expired in less than a year, XXXXXXXX XXXX XXXX. 

I tried to request a replacement card on prepaiddigitalsolutions.com since I did not use it in time. There was an automated message that my card is expired and I can not request my funds or a new card. I tried calling their customer support at XXXX XXXX XXXX XXXX, and was unable to talk to a human because I needed a valid card number that was not expired in order to use their support system. 

I think it is unreasonable and misleading to issue a prepaid card that is only valid for a few months, and the issuer keeps the funds if it is not used in that time. I may have purchased tires elsewhere if I understood how limited the {$70.00} rebate was.
Product: Mortgage

Upon filing for a bankruptcy ten years ago, I was informed that the second lien on my home with Mr. Cooper was part of the bankruptcy process and that I was not responsible for the debt. The debt was with Mr. Cooper and after calling their answering service, stated such, " that the loan was no longer my responsibility ''. Then a year ago, Mr. Cooper informed me that I was responsible for the loan and it was long past due. As I did not have the funds to pay, I applied for a HAF loan with the state of Maryland, as it was less than {$20000.00}, and during the pandemic I could not afford to make payments. The loan was approved and HAF made the payoff amount of {$18000.00}. Statements emailed to me progressively showed the loan being paid to a - {$160.00}. I spoke with a XXXX XXXX who verified the loan was taken care of. Then on XX/XX/XXXX XXXX I received a phone call from a representative at Mr. Cooper informing me if they did not receive {$2800.00} from me by XX/XX/, the HAF funds would be returned and evidently my house would be in default. The representative kept asking me if I was still in the house, even though I have a first mortgage that I have never missed a payment on. I feel I'm being harassed by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXXXXXX 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 furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Account needs to be removed from report.
Product: Debt collection

I demand for these items be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Lowes synchrony bank credit card. this is affecting me from moving on with my life with buying cars and houses and is not letting my credit score go up. this information is old and these accounts are wrote off as a loss and I demand that these be removed.
Product: Debt collection

I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to delete wrong accounts from my credit report. Can you see if the papers show this? Some accounts listed are wrong about what they say, like how much and when.