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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}
Product: Debt collection

I have endorsed this debt with Bank of America and then also disputed this debt multiple times with XXXX XXXX XXXX, yet they keep sending me harassment letters containing my private information that was sold to them by BofA XXXX. I will be filing XXXX complaints. I endorsed the credit card on XX/XX/2022 with certified mail article number XXXX XXXX XXXX XXXX XXXX sent Bank of America an endorsement where I sent payment in accordance with UCC 3-601/3-111 in the form of remittance or coupon payment. I also stated that the account be closed and no longer reported to any credit agencies. I know that it was received and signed for by XXXX XXXX on XX/XX/2022 due to the certified mail receipt I received. This can be tracked with the certified article number XXXX XXXX XXXX XXXX XXXX. 

Now there is a law firm XXXX XXXX XXXX XXXX ) writing me a letter with statements attached, and I did not request any details or account history, nor would any of this information matter. There is no original contract. No verification pursuant 15 USC 1692g I do not see any signed contract by me with my signed obligation that I would pay this debt. Statements are not a validation of debt. Pursuant 1692g ( d ) you must provide the original Contract. If you can send me the trilateral contract that I signed, not the copies, but the original contract, which I know you can not, because I know I did not sign one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Product: Mortgage

Due to the XXXX XXXX XXXX XXXX, I requested a mortification from PHH Mortgage Co. However, the company keeps asking for the same information that I have already submitted. They are also making false claims against me. Since XXXX of this year, they have been harassing me. 

Even when I submit the required documents, they still find other incorrect information. For instance, they have accused me of having a business and renting out my property, which is not true. Now they want me to defend myself by writing to them and denying these baseless accusations. They also keep asking for more bank statements, which I provide every month. However, they never respond within the promised XXXX business days. 

I approached them for help, but they are treating me unfairly. I have been their loyal customer for XXXX years, and I don't deserve this treatment. I need assistance, but I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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. 
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 ALL continue to 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is XXXX XXXX who is charging that collection please take a look at my address and see what address that collection agency is reporting.
Product: Debt collection

I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Debt collection

Ive filed multiple complaints about this same bill when it was with previous agencies and its being sold over and over. I do not appreciate this. I have yet to receive an itemized statement. I was rudely hung up on by XXXX XXXX out of XXXX XX/XX/XXXX. I contacted them and spoke with a supervisor named XXXX and asked them to stop calling me. They called me again today, XX/XX/year>. I called them back and was spoken to very rudely. I would appreciate for this collection activity to cease.
Product: Credit card or prepaid card

I have been trying to get from USAA published information re : the exchange rate used for XXXX if I am to use the card when I travel outside the US. C/S reps at usaa at first told me that they do not have access to that information. I was then told I could XXXX it. But when I asked if was to just use XXXX rate, I was told something else. I was hone told the rate is determined at the time the transaction is settled by the bank. I then asked where I can find a reference rate o I know what I could potentially spend. XXXX will give me their rate I explained as do other banks, but I can not seem to get the info. from usaa so I do not know rate they use. I finally got a call from XXXX in the executives office ( XXXX ) who told me that USAA does not have that info and that I had to get it from visa as its a USAA Visa card. She gave me a number for visa, XXXX. XXXX told me the I have to call USAA as its a usaa card and there are special wholesale retaes/agreements between the 2 banks and the rep did not know the rate. I then called back the ex. office at usaa and spoke w/ XXXX who said I could XXXX XXXXt or look on the fed website. When she directed me to the fed site I got an XXXX feed and did not know what to do with that and was told by usaa that they could not help. I tried for hours to get the info on the phone over multiple days. At XXXX point when I was told to XXXX the info I got a hit on a XXXX  website referencing USAA and when i asked usaa if I cold use the info from that site they said the have no control over that site and that was not a usaa site. no, I asked? they why do you tell me XXXX it not knowing what will come up??? What if I XXXX  and counted on the XXXX exchange rate info, only to find out at settlement time it was the wrong rate? Who do I call then, XXXX??? I dont know why usaa can not give consumers the info that pertains to the use of a card issued by them and why XXXX refers me back to USAA XXXX Attached are screenshots of my post on the usaa site.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( XXXX USC XXXX, Section XXXX ), consumer reporting agencies, such as XXXX and XXXX, have a duty to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to protect my private information. This is further supported by XXXX USC XXXX, which mandates that financial institutions must safeguard the privacy and security of customers ' nonpublic personal information. Under XXXX USC XXXX, Section XXXX, a consumer report may only be furnished with the written consent of the consumer. I do not give consent to XXXX, XXXX, or any financial institution to share my information. Any consent previously given is hereby revoked. Additionally, XXXX USC XXXX requires financial institutions to inform consumers of their right to opt-out of having their nonpublic personal information shared. I was not informed of this right. Furthermore, XXXX USC XXXX ( a ) ( 5 ) states that adverse information older than XXXX years can not be reported. Reporting such information without my permission is unlawful. According to XXXX USC XXXX ( A ) ( 1 ) ( A ), no person should furnish inaccurate information to a consumer reporting agency. It is evident that XXXX and XXXX are not following reasonable procedures as required under XXXX USC XXXX to prevent violations and limit the use of consumer reports. Therefore, in accordance with XXXX CFR XXXX, I am exercising my right to opt out of your reporting services.
Product: Credit card

I cancelled Sears credit card number in XXXX and paid it off in XXXX. It was XXXX XXXX XXXX XXXX. 
I opened another account with them 4 months ago. Th In XXXX they started transferring the money I paid in to XXXX XXXX XXXX XXXX. In XXXX, they did the same thing. The amounts were {$790.00} and {$430.00}. Now they are saying I have to pay the {$430.00} plus XXXX again. I have called six times. 
I wo n't pay them anything more and have cancelled the account. It looks like fraud to me. 

and they won ' t straighten it
Product: Student loan

My student loans are serviced through the loan service company called Nelnet. I applied for the XXXX plan in XXXX of XXXX  prior to loan payments resuming sub covid forbearance period. 

Per the XXXX plan, I should not incur any interest. Nelnet put me on a admin forbearance because they were having trouble with their internal systems getting the XXXX plan approved quickly. According to press releases by the federal government and XXXX XXXX, no interest was supposed to accrue on my account while in a XXXX XXXX ( Nelnet ) implemented admin forbearance. 

Please note that the forbearance request was not requested by me. However, my loans were charged interest until Nelnet was able to implement the XXXX plan. Basically, I got charged for XXXX months interest. The federal government released a statement that no borrowers were to be charged interest during an admin forbearance that the loan servicer implemented, while waiting for any loan servicer to implement the XXXX plan for your account. 

I believe the interest accrued during the admin period and added to my loan balance is around {$1300.00} ( rough estimate ) or so, and I would like it removed from my account. I have messaged Nelnet a little less than XXXX weeks ago, but I have not received a response. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from Rocket to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

Rocket Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to Rocket via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by Rocket Mortgage. Attached is my completed profile on Rocket showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to Rocket had been terminated by Rocket. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

Rocket Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.
Product: Mortgage

they used my house payment to pay escrow, then reported that my house payment was late!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Mortgage broker promised in writing to re-imburse us for refi fee after the loan was done. It has been 8 months and he has repeatedly lied and made excuses as to why payment has not been made. I have the agreement in writing. He works for Right Start Mortgage in XXXX, Ca. His name is XXXX XXXX. He got our account from XXXX XXXX who at the time worked for XXXX XXXX XXXX in XXXX, Ca. XXXX has since been fired for referring their clients to XXXX XXXX. I though our loan was being processed through XXXX, but later found out that XXXX XXXX did not work for XXXX, but worked for Right Start. XXXX XXXX used our Credit card that we gave him to pay the appraiser months later and charged {$2800.00}. XXXX is investigating him for fraud. I am filing this complaint because Both of these people have lied and cheated us, XXXX and Right Start mortgage. I do not want them to have the opportunity to do this to anyone else.
Product: Debt collection

I am writing a complaint against ALDOUS and associate, I am aware they are currently gathering their " VALIDATIONS '' together to present to me although I know this is a stall tactic because they had two times prior to show what they had if they had it proof of validation. In addition, they are in violation pursuant to 15 USC 1692g ( b ), they are supposed to cease to collect and remove from report until further notice. They are causing damages by having a collection on my consumer report. Congress states Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. { 15 USC 1692g }. This is also considered identity theft and as a consumer I have privacy. I will be taking an additional action very soon. according to 15 USC 1692k ( a ) ( 2 ) ( A ) PAY ME {$1000.00} AND DELETE OR I WILL TAKE THIS FURTHER. I CANT OBTAIN ANY CREDIT BECAUSE OF THIS COLLECTION ON MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction me as a consumer. 

Account Name : Complete Credit Solution Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX You are required to do what I'm asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, Experian, XXXX, and XXXX, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, Experian, XXXX, and XXXX.
Product: Credit card

Dear Capital One, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/2023 for my credit card ending in XXXX. I spoke with a customer service rep and they stated that I only had late payments in XXXX and XXXX, but it shows on my credit report XXXX, XXXX, XXXX, XX/XX/2023. Please contact the reporting agencies and delete these late payments.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing. The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance Owed : {$410.00}.