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

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. XXXX posted my payment late but I paid before the 30th day. 
Capitol one credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXX  report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXX XXXX account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Product: Credit card

All payments sent 2 to 3 weeks in advance of due date were cashed post due date incurring late fees. Contact with institution is absolutely impossible. Account was cancelled and email indicated only paper notification was cancelled. The bank called to notify of the late payment that was sent XXXXXXXX XXXX XXXX due XXXX XXXX. All web apps. are completely useless and customer service is hours wait time and unreliable as they switch from service to collections then back to service for another. hour and a half hold. All I want is a payoff notice without all the unnecessary fees.
Product: Mortgage

PHH is our mortgage company. We are now attempting refinancing with another company. They have not provided a payoff amount, despite repeated requests to them and to their attorney 's office. I initially requested this on XX/XX/XXXX. It is now XX/XX/XXXX, and we still have not received ANYTHING. We are ready to close in all ways except we ca n't get the payoff letter from them. Tomorrow, our locked in rate expires, and we have still no resolution.
Product: Debt collection

The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 
XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 
XXXXXXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 
According to the attached XXXX mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 
All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
Product: Debt collection

In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an address that is incorrect and Ive never heard of nor been to on my bureau report. Ive asked them to verify and send me all information on how they keep verifying this information and they only say its been verified yet its incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a debt on my credit file I do not owe. My vehicle was damaged in a natural disaster, so the insurance, XXXX should have taken care of the debt as part of the disaster, and should be covered under that. I spoke with Capital One and they advised me not to make any more payments due to it being covered. They are reporting this debt as a repo and it shouldn't. This is in clear violation and needs to be fixed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute via the CFPB to the credit bureaus asking them to remove these unverifiable inaccurate addresses on my credit report. On XX/XX/year>. Experian responded that they are not updating my information and did not send me an explanation as to why nor did they provide the source in which they received this information.
Product: Debt collection

Debt was paid in the fall of 2018, in store, in XXXX Ohio. Midland bought out the misstatements debt, and has put it as an account in collections despite the debt being paid. 
I called out to Midland to discuss the debt, and they refused to accept the fact that this debt was paid prior to their buying of the debt. To get this misstatements debt handled, and the company refused to remove the debt. Additionally no validation of debt was received, despite my asking for validation. I even attempted to settle the debt to remove it and the company refused. 
The fact they they have not sent any validation of debt, and have refused to remove this item from my credit report is a direct violation of the fair debt collections act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), 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. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXXXXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX ). XXXX XXXXXXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Product: Student loan

I applied and was accepted into the XXXX XXXX XXXX. The total amount using Mohela 's online calculator based on my XXXX tax information and from speaking with a Mohela representative was the total repayment of {$83.00}. The official repayment letter ( XX/XX/XXXX ) from Mohela states that my actual payment for the same plan is {$370.00}- which is almost 4 times higher than what I believe I should be paying. 

Trying to call Mohela is a nightmare. I can not continue to wait on hold and there is no way to find out or fix this issue. I have diagnosed XXXX  XXXX  and XXXX and my current wait times on hold before speaking to anyone or hanging up has been 37 minutes, 45 minutes, 66 minutes, and 27 minutes ( the last time I was put back into the system as they could not answer my questions and I gave up ). The thought of calling Mohela is a trigger. 

I also tried email and it's just as bad as they have not addressed this issue and ignored questions. My {$370.00}. XXXX repayment is due soon. 

I have no idea why there is such a huge discrepancy and how to fix the issue. 

If possible, I will attach what the IDR calculator states my repayment should be ( {$83.00} ) which I took from Mohela 's website and my XXXX XXXX Letter from Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and XXXX  show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. Equifax and XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX XXXX XXXXXXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to release my credit report. I sent my approved documents 6 TIMES my social security card & passport. They continually stated they didn't receive the documents or the picture is not visible. How could they say the picture isn't visible when I was informed the document wasn't received
Product: Mortgage

XX/XX/18 XXXX mortgage company transfer my loan to Caliber Home Loan without providing the information I requested regarding, Real Estate Settlement Procedures Act. 

I reqested proof of Real Estate Settlement Procedures Act ( RESPA ) to Caliber Home Loan, including its chain of title, and required notices of transfer, and that the foreclosure proceedings cease on XX/XX/2018 pending receipt of said documents. However, I had not receive the information, and Caliber Home Loan is moving forward with a foreclosure on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX and XXXX it shows dated opened XX/XX/2018 and on Transunion it shows an open date of XX/XX/2018. The high credit on Transunion and XXXX is XXXX and on XXXX XXXX. The credit limit on Transunion and XXXX is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete. 

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and ProfiXXXX. 

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-CXXXX XXXX  XXXX, ( Management ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the 3 Bureaus, XXXX, Equifax, XXXX. Nothing match on Open Dates and Times, the balance does not match, and the name on 2 accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, Equifax, and XXXX. I have not received an updated copy of my consumer report to gauge.
Product: Debt collection

Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. 

They also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. 

I did contact the original company where I took out the loan to work out a payment plan. 

I would like to know how they got all of my information ... including my Mom 's phone number.
Product: Checking or savings account

Truist Fraud Closed my new Buisiness checking account, Personal checking account, Money market account for absolutely NO REASON whatsoever. 3-4 Years ago Suntrust bank Now Truist Did the same thing blaming a older check as a reason for closure when in fact there was nothing wrong with the check and XXXX  XXXX  XXXX verifed funds and provided a slue of doccuments to back it up. SunTrust fraudulently closed my account for no reason and HELD funds for 3 months with 0 reasoning. Truist is now holding onto XXXX of cleared funds for no reason. My branch manager assured me that the new account would have no issues as the old account was never flagged. I know i am not alone per other complaints online. XXXX claims the bank has decided to terminate the relationship with no explanation. My branch manager is actively trying to reopen the account with the back office and i will be given a update on funds XXXX. I have no issues with other banks and bank with multiple institutions. Truist/suntrust will close a account without warning or explanation.
Product: Consumer Loan

It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. 
It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. 
They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. 
The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! 
I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. 
I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was never late. I have reached out to XXXX on numerous occasions to adjust the file as such over the past years. Most recently on Equifax its reporting XX/XX/2019 as 60 days late which isnt even possible because 60 days havent transpired. This obvious error resulted in me not being approved for credit and potentially losing a job opportunity. They continue to move late payments to alternative inaccurate dates rather than updating the all 3 credit files as never late. Im asking that XXXX update all the 3 credit files as never late and remedy the ongoing issue.