23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Faithfully paid every bill from XXXX for years. When I attempted to cancel service I was given the runaround. It took several calls over a period of at least a week and even then they extended service longer. They sent me a final bill that was not owed. 

I did not live in the home for the month inaccurately billed. 

My service should have been turned off when I asked and I should never have been billed an additional month. That's why they never got paid. This bill is petty, under {$50.00}. I would have paid it if it were valid. It is not and that's why they never got paid. Many other people have had this same problem with XXXX. I am requesting this invalid debt be deleted and removed from my credit reports immediately. Thank you and have a wonderful day.
Product: Credit reporting

I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for XX/XX/XXXX, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & XX/XX/XXXX of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of XXXX I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from Chase bank of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the Chase rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that Chase reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either Chase or XXXXXXXX XXXX. Per Chase policy " missed payment of 60 days or more Chase will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted Chase about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from Chase for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with XXXX ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading. 

Details of the dispute are as follows : XXXX. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness. 

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that Equifax, XXXX, XXXX, and XXXX take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

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

I entered into a forbearance plan with PNC Bank on XX/XX/2020 due to Covid 19. The forbearance was until XX/XX/2020. However, I contacted PNC on or around XX/XX/2020 to end the forbearance. I agreed at that time to pay the full amount due and owing of {$16.00}, XXXX on or before XX/XX/2020. However, on XX/XX/2020 PNC reported to the credit bureaus I was 3 months delinquent and caused my credit scores to plummet at least 100 points or more. They intentionally ruined my credit. 

On XX/XX/2020 I paid PNC {$16.00}, XXXX as agreed. However, I did not find out about the bad credit report until I tried to refinance my mortgage several days later. I immediately hired a lawyer and filed a dispute against PNC. I demand that this be corrected immediately.
Product: Debt collection

My insurance has paid this collection, and it was never ever supposed to be on my credit. I was in a car   accident and all of this was taken care of by my insurance, this debt is reporting a balance, and they have been trying to call me and threaten me into paying, when the account was satisfied in full by my insurance! Everyone has been paid, are they trying to get paid twice for the same debt? is that legal? I believe you are supposed to determine that, please help me, I am trying to become a first time homeowner and this is the only thing that is stopping me from achieving my dreams! Please let justice reign supreme and HELP ME! This must be unjust enrichment and a breach of contract as well no? How many other people has this company enriched themselves off of, what if I had payed them without checking with my insurance first, would I have ever gotten my money back or would they have kept it as their own money, which it would not have been! if this company was nearly this successful with me, how many other consumers have they done this to?
Product: Credit card or prepaid card

I have a Best Buy ( store only ) credit card. Ive always been charged a service fee called Debt Protection. I never signed up for this service. Im unaware how long Ive been trying to cancel this service, but its been years. I requested Best Buy to cancel the service years ago. They stated they did at one instance, but I wasnt confident the person whom helped me over the phone knew what I was talking about. Years later, I am still getting charged this fee. After researching the situation online, I now see this service is from Citi Bank, and it has to be cancelled through them. 

Now, I am unemployed due to the COVID situation. I reached out to them on XX/XX/2020 to see what the benefits are, since Ive been paying this monthly fee for a decade, at least. I might as well see if I can benefit from this program that I have not signed up for. The employee was not able to explain the benefits, but instead said they will send me a letter of the benefits, explained. On XX/XX/2020, I receive a letter of how enroll in the benefits, and not the explanation of the benefits. The benefits enrollment seem near impossible to qualify for. 

I paid all these fees, and I should feel protectednot hindered. I want these fees refunded.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Late payments Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The previous account has been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told in XXXX of 2021 that I had been approved for a loan modification which stated that I had to make 6 months payments on time to enter into a modification which I did and was approved for a modification. After I return signed notarized copys they said Id be sent my copy of the signed and notarized copy. I still havent received my copy. I talked to them numerous times and everyone I called and request my copy said theyd send and they never did. I was not informed ever about them changing my mortgage note from 30 to 40 years and I couldnt get anyone to return my call with my questions. Every time I call they say Im behind on my payments. Ive explained numerous times to every rep that I never would have been approved for modification if I was truly behind. XXXX continues to report to all the credit bureaus that Im late and behind months on my payments which is false and is destroying my credit score. Due to Covid and the death of my wife and me being XXXX on strong XXXX XXXX Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} mortgage for the next 40 years. I thought there federal protections in place to stop this kind of treatment of people, especially since Im a XXXX XXXX XXXX XXXX, widowed man. I will continue to protest my treatment. Hopefully I dont need to get a lawyer to get any help from anyone government or XXXX. Still waiting for proof that my modification was approved with either a letter or an email. All I have is my word of what Ive been told. From this point forward Ill be recording any phone conversations I have with XXXX to prove Im being messed with. Shame on you XXXX saying youre trying to help me. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX  - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX NA Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX XXXX  Inquiry Date : Doesnt show Creditor : XXXX BANK CONSOLIDATED Inquiry Date : Doesnt show Creditor : XXXXXXXX XXXX Inquiry Date : Doesnt show XXXX - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date openedXXXX XXXX XXXX  Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXXXXXX Original balanceXXXX XXXX XXXX Monthly payment -- Last payment dateXXXX XXXX XXXXXXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 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 NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Checking or savings account

After filing a dispute with citibank for an unauthorized transaction and receiving the credit for it. Couple hours went by me tried logging to my online banking and was unable to after I reached that to them they basically told me that my account was under review and that I would get an update back within 28-48 hours. After time past I still didnt get no update back so I called them back and basically told me the same thing they told me before my account is under review and would have to wait 28-48 hours for an update after them telling me that again I just hung up on them. Several days past tried to log into my citibank online banking once again and still was unable to log in now it was telling me that I had to enter my debit card number and other information which I did after it said that my information was invalid so after seeing that I got a little stressed and called them again this time After giving them my information they basically told me that the reason im unable to log in to my account is because they decided to end there relationship with me after waiting 7 days which was confusion because how does my account suddenly gets locked after filing an dispute. I had a balance of {$120.00} in my checking account. this happened around the first week of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter by mail XX/XX/2021 asking for a method of verification on an unduly inaccurate collection account reporting to my credit. The company failed to provide me with a method of verification within 30 days of receiving this request
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized intormation in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. l have reported the theft of my identity to the Federal Trade Commission 's Identity Thett Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX  - AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} TransUnion Accounts XXXX XXXX XXXX XXXX POSSIBLE FINANCIAL - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} XXXX Accounts XXXX XXXX. ) XXXX XXXX XXXX XXXX  AMOUNT - {$200.00} XXXX. ) XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX ....
Product: Student loan

I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.
Product: Credit reporting

to whom it may concern i am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims, when i did ask for all the documents in my dispute letter then they sent me muitlple copies of my credit reports. My point of this complaint is i want to resolve this matter out court. So if they can provide me names and numbers of everyone they spoke to verifying accounts. Also the orignals applications with wet pen ink signatures, and the method they use to verify this accounts and once proved to all not to be legal verified accounts please remove all accounts immeditley, and dated out and unauthorized inquires. i have also provided my Social security card and Identification for proof of identity again so if a reported anything different then whats on my Identification i was n't me thank you.