23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.
Product: Debt collection

on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about an alleged debt of XXXX that I do not owe.i requested the validity of the debt on XX/XX/2021 and haven't received anything as of XX/XX/2021. MIRAMED REVENUE GROUP , LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$180.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MIRAMED REVENUE GROUP , LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed account which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct and update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$2100.00}
Product: Checking or savings account

It has been a week since most customers have been able to access their accounts online. PLEASE PLEASE tak a look at TD Bank 's XXXX feed, or XXXX XXXX XXXX. They refuse to even mention it on their website, continue calling it an intermittent outage when in fact it has been down for a week since they rolled out their new website. Phone calls are placed on hold for over an hour before you have to hang up. They tell you to Direct message them and then do not respond. How can anyone trust the security of this bank when they can not give us access. This is a huge widespread outage that they refuse to recognize and someone needs to step in, force them to roll back their site to a week ago. Please just take a look at the complaints. Should never happen, and their refusal to admit this is serious is reprehensible.
Product: Debt collection

Hi, I am in need of help dealing with my debt collector NewRez. When the mortgage servicing on my home was sold to NewRez last year, they started claiming that the principal was a higher amount than it was previously. My previous debt collector XXXX gave me a letter saying the principal was {$660000.00} before the servicing transfer but NewRez is claiming the amount is {$660000.00} when they took over the loan XXXX last year. I made an extra {$5000.00} principal payment to my previous debt collector XXXX and I have provided to NewRez the following : 1. XXXX statements showing the extra principal payment, 2. XXXX Notice of Servicing Transfer letter with the correct principal balance, and 3. XXXX XXXX XXXX statements to NewRez showing the extra payment made. They refuse to take this into account. I have been on the phone with them over 20 times. They are refusing to update the principal amount and are trying to make me pay more money than I owe them. Please help. The loan number with NewRez is XXXX Property : XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX ( Note to CFPB : please remove the address and loan number before publishing )
Product: Debt collection

The company is coming after me due to a debt owed from XXXX University. To my understanding XXXX University is a XXXX based college, I have lived in XXXX for the past 20 years and did not attend an out of state University. 

Therefore, someone used my information to obtain college education. Also was told it was for XXXX  education my career focus, since highschool, was XXXX. 

Also, the college states that I attended the University back inXX/XX/2016. I was a graduate of XXXX XXXX ( XXXX ) class of XX/XX/2016.
Product: Credit reporting or other personal consumer reports

There was a XXXX XXXX credit card that showed up on my credit report that says I am an authorized user but I have no information or idea about that account. I disputed this with XXXX in XX/XX/XXXX and never heard anything about it again until it should up on a credit reporting for XXXX XXXX  when trying to buy a new house. I have filed a dispute with Equifax as well and still waiting to hear back as of last Thursday, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX energy tell me that they had sold my account to the collection agency ( diversified Adjustment ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or Diversified Adjustments violated numerous laws in furnishing this info to XXXX consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted Diversified and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX  double dipping and diversified opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX  XXXX and diversified. XXXX  case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Credit card

I noticed a charge of {$120.00} on my credit card account that I did not authorize. This came from the XXXX XXXX portal on my XXXX credit card. I reached out to customer service on XX/XX/XXXX and received a response on XX/XX/XXXX. They stated that they had no insight into this transaction and could not help me and directed me to XXXX. 

I contacted XXXX, which could find no record of the booking associated with my account. XXXX directed me back to XXXX. 

Currently I am still being held responsible for the fraudulent charge and XXXX is refusing to take any actions to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  : {$880.00} XXXX XXXX XXXX  XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$230.00} XXXX XXXX  Balance : {$3000.00}
Product: Debt collection

They are trying to collect on a Debt that I DO NOT OWE!!!!! This debt was paid to them in full on or about XX/XX/2019 according to my bank, I have TOLD 500 fast cash this Numerous times, and still they call me trying to collect, IM NOT PAYING THEM ANYMORE MONEY, I PAID THEM ALREADY, and yet they keep harassing me and wont STOP, Ive called them Numerous times, emailed them Numerous times, gave the PROOF the debt was paid, yet they keep calling me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to XXXX, XXXX, and Experian.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies have incorrectly stated that my oldest account is XXXX XXXX XXXX when my oldest account is XXXX XXXX XXXX with XXXX. { one more ridiculous XXXX XXXX issue* see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all XXXX lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all XXXX should be XXXX thats post amex 's unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.
Product: Money transfer, virtual currency, or money service

I have been allowed to deposit funds into the Crypto.com app freely using my bank card. However, when attempting to make a small withdrawal I have been hit with the " plaid '' app red tape. In order to withdraw they are asking for information which does not exist. I do NOT have an online bank account and that is the ONLY means by which they are allowing withdrawals. Refusing to allow me to use my routing and account number or the very card I used to deposit funds into the app. They also refuse to allow withdrawals to XXXX which would be just as simple and make MY money accessible. And I am now being told that I am not going to be given access to my funds if I don't have an online bank account which was NEVER disclosed in any way prior to now. This feels like a fraudulent app to me under these circumstances. As it stands there is NO means of adding any information into my profile that will make retrieving my money possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is stopping me from getting a fair line of credit for credit card, loans or a XXXX XXXX. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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: Mortgage

On XX/XX/XXXX I spoke with Flagstar representative, XXXX who was unable to resolve my issue, then I was transferred to XXXX. XXXX told me he would work to update the system to reflect my request for payments to be applied to the months I specifically requested when I mailed the checks. Sometime in XXXX or XX/XX/XXXX I called and requested my loan to be brought out of Forebearance and requested to resume making monthly mortgage payments. 
I fulfilled my obligation as agreed upon to make 3 payments for the months of XXXX, XXXX, and XXXX, then have my loan modified. 
I feel like I am being penalized for trying to keep my home out of Foreclosure and resume making payments online without having to spend extra money and time by sending payments via Certified mail. 
This is an extreme inconvenience and causing more unnecessary stress. 
I request my VA Loan be immediately processed for modification so I can resume making monthly payments online. 
As of today, XX/XX/XXXX after speaking with XXXX, XXXX Representative the system does not reflect my loan payments were applied correctly as requested again and my loan remains in forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted One Main Financial in XX/XX/2022 to inform them that a statement they have on my credit report is causing me to be denied credit. They have the following comment on my credit report " Loan modified but not under a federal government plan ''. I called on two different occasions in an attempt to get them to either remove the comment or add dates to the comment so that it is clear that the loan is not currently being modified. 

This statement on my credit report is vague and misleading. One Main Financial has a duty to report factual information. The statement is misleading because it is causing other 'lenders to believe I am currently under a loan modification when I'm not. I requested that the supervisor contact me and no one ever did. I also requested that they send another copy of a letter that they sent saying the modification ended. They said that they would email it and never did. 

I spoke with their customer service department and their credit department. Everyone I spoke with kept referring me back to customer service. The customer service agent understood the issue I was having and the credit department refused to work with her to correct the issue. The credit department at One Main is the only one that is allowed to make changes. My loan was never modified. I only had a payment deferred. There were no changes made to my payment amount or to my interest rate. The statement on the account is misleading and inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX, AR XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$1300.00XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX Charged my Card {$XXXX} for No Service Provided. 
XXXX On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
XXXX On XX/XX/year>, American Express Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
XXXX American Express even refused to provide me with documents to determine the validity of the debt. 
XXXX TCC and American Express XXXX advantage of my XXXX XXXX, to run this scheme, and deprive me of my right to dispute fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from JPMorgan Chase ( JPMCB ). 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

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

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
Transunion reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for Transunion is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and XXXX and Transunion refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX  account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. Transunion has never investigated this item. Transunion reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.