23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

1. Inaccurate Payment History The following account is inaccurately reporting late payments, which I have never made. Please verify and correct the payment history : 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 Under 15 U.S. Code 1681i ( a ), I am requesting that you investigate this matter and correct or remove any inaccurate payment history information. As part of this investigation, please provide me with documentation verifying the accuracy of this accounts payment history. 

Accounts That Are Not Mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b, only accounts that are verifiable and authorized by me should be reported. Since these accounts are not mine, I am requesting their immediate removal. As part of your investigation, please provide documentation proving that I opened or authorized these accounts. If you are unable to do so, these items must be deleted from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attended XXXX University one semester, did not go back the next due to financial aid being cut. Advised student affairs, was charged for next semester when they were told I was not attending.
Product: Debt collection

On or about XX/XX/2022, XXXX XXXX sent an email regarding my overdue payment. In the email, XXXX gave me until XX/XX/2022, to make payment or report to a collection agency. On XX/XX/2022, one day after the proposed deadline, without notification, Credit Collection Services reported to credit bureaus without giving me the opportunity to pay. On or about XX/XX/2022, I contacted Credit Collection Services and requested for a Pay-to-Delete. Credit Collection Services agreed to the Pay-to-Delete but declined to delete the account from my credit report after receiving payment. Credit Collection Services actions violates the Fair Credit Reporting Act in that 1. I had no knowledge of account.

2. They did not give me time ( 30 days minimum ) to at least make payment.

3. They did not notify me or give me time to dispute account.
Product: Debt or credit management

Cashapp. A payment to XXXXXXXX XXXX was sent to wrong recipient. I was not able to receive a refund and got a late payment.
Product: Credit reporting or other personal consumer reports

To whom this may concern, 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. 

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 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 According to the fair credit reporting act 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 ( e ) ( b ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, 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 ( 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 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 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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 ( 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over 100 points. I am in forbearance and do not graduate until XX/XX/year>24. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to Covid was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXX University in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX college in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted XXXX  and XXXX and disputed all loans. I have not received any information and my credit score still shows the 100 plus point loss from the report from aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous background checks ran by checkr for various employers. The FCRA rules clearly state that background information beyond 10 years may not be reported. Also in Texas it is illegal to report past 7 years unless the employer is specifically offering a position with a gauranteed annual salary of {$75000.00} or higher. Checkr has violated both of these mandates numerous times with different companies causing me to be denied employment. They do not respond to any correspondence. I have sent them 30 emails, no response at all. NONE. Furthermore the company is guilty of absolute blatant lack of ethical responsibility to their duty and blaming it on covid. The court houses in XXXX TX NEVER CLOSED AND WERE NEVER BACKLOGGED FOR ANY REASON OTHER THAN FELONY CRIMINAL TRIALS. They pick and choose what companies to run background checks in a timely manner for and others they delay. How would I possibly be able to make this accusation?? Because literally today I had one background check ran in XXXX through checkr. It came back in 10 minutes. The one for my XXXX account that has me out of work and In sever financial trouble, is going on 30 days with no valid reason, no response from checkr And something has to be done. They have to be held accountable. This isn't just dealing as a private business, they are in control of peoples livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Product: Debt collection

I had filled out an auto loan application and was denied. So I went and checked my credit. On my credit was Ability Recovery Services who I have never ever heard of. They were saying they were collecting for a medical bill from XXXX XXXX XXXX. I have never recieved a bill from XXXX XXXX XXXX  because I am on XXXX and the XXXX  program. My XXXX should of paid the invoice. So I called up Ability Recovery and a XXXX answered. She was so rude. I explained to her I have no record of them sending me an debt collection notice nor had I ever recieved a invoice from XXXX XXXX. She told me to bad and that if I would take care of my bills then I would not have to worry about Debt Collectors. She kept interupting me. I also tried to tell her that according to there record the bill was a new bill and I believe there is a no surprise act toward medical bills. The XXXXXXXX XXXX can not turn over to a collection agency until they send me a bill I believe it is called the NO SURPISE ACT. I asked this XXXX to please provide me with a copy of the bill and a copy of the Debt Collection paper the sent me. She told me that I need to look around my house and find it and then she hung up on me. I am XXXX and I tell you this lady made me cry. .She really did. I noticed on some reviews of this place this lady is pretty awful to seniors. They want remove the debt from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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

Upon checking my credit report Ive noticed some unauthorized, fraudulent inquiries on my credit report according to the ( FCRA ) these items must be removed.
Product: Money transfer, virtual currency, or money service

Back in XXXX  I had zelled {$1200.00} to my landlord and it ended up being the wrong number associated to his account. I wasn't able to get that money back because the person who I sent it to kept it in total
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 1681i, you are legally required to ensure that all information reported is accurate, verifiable, and complete. The item in question is as follows : Account Name/Number : [ Provide creditor and account number ] Issue : [ Explain the probleme.g., incorrect balance, account not mine, account reported late, etc. ] Date of Inaccuracy : [ Specify the date of the error ] This inaccurate reporting constitutes a blatant violation of my consumer rights under the law. Enclosed with this letter, you will find detailed evidence supporting my claim
Product: Vehicle loan or lease

XXXX over-inflated lease-end buyout figures outside of the terms of the XXXX lease and XXXX extension agreements. Failing to provide a written breakdown of the accounting and by only recognizing only XXXX of XXXX lease extension payments at lease end and at time of purchase has caused damage and created excessive fees associated with my purchase. 
Per XXXX of XXXX XXXX and paragraph XXXX of Extensions Contracts ( attached ), the contracted lease-end buyout residual value is {$18000.00}. XXXX extension contract states all XXXX payments ( not including tax ) totaling {$2100.00} to be deducted from residual value for a net buyout amount of {$16000.00} plus 8.5 % tax for a total of {$18000.00}. XXXX 's XX/XX/XXXX Bill of Sale states net buyout is {$17000.00} which excludes XXXX lease extension payments ( {$17000.00} - {$16000.00} = {$360.00} ) XXXX payment history and my final lease payment attached confirm XXXX lease extension payments received but not deducted when asked to provide updated residual buyout figure and purchase in accordance with lease extension agreement. 

By not deducting all XXXX lease payments while lease was active and afterwards during allowance period, XXXX over-inflated the pre-agreed to residual value and set off a string of errors at lease buyout and purchase which has caused considerable damage and harm.
Product: Mortgage

My husband and I took out a XXXX HELOC with BMO Harris in XXXX of 2013. It had a 10-year draw-down period. I don't recall how much we drew down, but we paid off everything within just a few years. We were still getting billed {$50.00} annually, and we kept paying it. In XXXX of XXXX ( not sure exactly ), I was informed that for some reason unknown to me, they had to close our HELOC account and reopen it under a different account number. I bank online, and after they made this switch, I could see the new account number. We took this opportunity to go in to the Bank and have the account closed. We signed a bunch of papers and I thought that that was it. I still saw this account listed when I checked accounts online, but it always had a XXXX balance due. I thought it had to stay that way for the full 10 years. 

On XX/XX/XXXX, we went in to the bank once again to close the account, and not have it roll over for another 10 years ( we didn't owe anything, but I don't want open credit lines out there. ) I wanted it CLOSED closed. I was told that we owe {$150.00} -- three annual {$50.00} payments for the last three years. How can that be if we closed it in 2021? The lien on my house will not be released unless I pay them {$150.00} for an account I haven't used in seven years, and closed two years ago. How does that make sense? 

I thought that because BMO is a XXXX bank, it wouldn't engage in some of the shadier business practices that many American banks do. That's why we have three savings and one credit card account with them, in addition to the HELOC. We've been good customers of theirs for almost 12 years. Sadly our good will isn't being reciprocated. If we can not come to a resolution in this matter, BMO can take their {$150.00} off the top when we close all five of our accounts.
Product: Debt collection

Disputed twice with XXXX and came back as verified. However, with XXXX it was deleted due to not providing the purchase agreement and payment history as request.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX, I received a cheque for {$600.00} in the mail made out to me and drawn on an account with Fifth / Third Bank in XXXX XXXX, MI by the XXXX XXXX XXXX XXXX  ( XXXX ) - a State Agency. It was a refund of an overpayment of child support. 

That same day, I presented the cheque for payment at a local branch of Fifth / Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX. I had valid identification with me ( a Michigan Drivers License ). 

I was told by the cashier that it was company policy to charge a 2 % fee and that I would need to build a credit profile with their bank as I don't have an account with them. I told her that they have an obligation to cash the cheque without a fee. She refused. I left. 

I believe that this was illegal. In this case, I was fortunate to have an account with a local credit union and could clear the cheque through it. I had hoped to access the funds immediately but was forced to wait. 

This policy clearly is discriminatory and forces the poor who don't have bank accounts ( primarily people of XXXX ) to pay their fees. It is also a disgrace. They are charging their clients for having a checking account but are refusing to honor their cheques unless certain conditions are met.
Product: Mortgage

We are currently in an active Chapter XXXX Bankruptcy and decided to surrender the house. In XXXX, 2015, the house was in foreclosure with an auction date set and we applied for a modification against the advice of our attorney and at the recommendation of Nationstar. It was approved for more than what the house is worth and for a 40 year term. We decided to accept the offer anyway. We made our XXXX trial payments and submitted the documentation sent to us. It was returned to us because my husband failed to sign using his middle initial. We sent the new paperwork, which was received by Nationstar on XXXX XXXX. However, they lost our paperwork. I have been in constant communication with my loan officer, XXXX XXXX via email and phone to get this matter straightened out. All the while, Nationstar would not accept a mortgage payment " until the account is updated which ca n't be done until they receive the paperwork ''. The online account statement also states erroneous amounts paid and due. 
I keep getting a runaround ( we 're tracking the paperwork, not able to find paperwork, getting supervisor involved, still ca n't find paperwork, again getting supervisor involved, will call with update and no phone calls ). I have since received a copy of the original paperwork. At this point, we want the mortgage due date to begin in XXXX since we 've been waiting to pay our mortgage. We want a fresh start. Nationstar is unwilling to help us solve this matter. After giving us a runaround for three months and not accepting our payments, they now want the due date to be XXXX.
Product: Credit card

I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute my late payment on my XXXX, XXXX, XXXX credit reporting on XX/XX/XXXX with BMW financial service for XXXX days late. I made a payment of {$950.00} from my XXXX XXXX XXXXXXXX bank account on XX/XX/XXXX, in which it shows posted and taking out on the XX/XX/XXXX of my account on my bank statement that is attached below. The payment was posted and within XXXX days before reporting to credit bureaus. I spoke with a BMW XXXX customer service representative on XX/XX/XXXX on a recorded line and he said my payment post on their end on XX/XX/XXXX, which he said is within the XXXX days as well but said its a automated system error and they dont have control over it and I will have to explain and put it in writing with proof. I have never had any issues of any negative reporting/marks on my credit report and do not plan in the future.