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

I am writing a complaint to address a critical matter regarding an account that has been inaccurately reported on my credit history. It is imperative that prompt action is taken to close the account and remove it from my credit reporting, along with any negative information reported after the closure date of XX/XX/2015. 

I want to emphasize that this account has been inaccurately and illegally reported as " current '' despite being closed on XX/XX/2015. The account 's payment history and remarks contain multiple instances of incorrect and misleading information. Such reporting not only fails to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ), but it also grossly misrepresents the true status of the account. 

Given the age of the account and the fact that it was current when it was closed down, it is imperative that this matter be promptly rectified. I hereby demand the immediate closure and removal of this account from my credit reporting without delay. This action is crucial to ensuring compliance with FCRA requirements and maintaining the accuracy and integrity of my credit history. 

I anticipate your urgent attention to this matter. Please take immediate action to close and remove this account from my credit reporting. I expect written confirmation once this action has been completed to ensure its swift resolution. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I trust that you will act swiftly and responsibly to address this issue in accordance with the requirements of the FCRA.
Product: Mortgage

Dear President of MB Financial. 
Please be advised that my subject loan # was tagged with a 30-60 late for no reason on XXXX 2015. 
The XXXX check was deposit XXXX check # XXXX, ( It was 3 days before XXXX XXXX ) I have proof of each and every payment. 
I was trying to work out the details with your Customer Service Rep and I am getting no place. 

I am asking your help today.
Product: Student loan

Kept receiving phone calls regarding my student loans and possible loan forgiveness. The calls kept coming from a XXXX XXXX at : XXXX, XXXX with a callback number of : XXXX I called them back on XX/XX/20 and spoke with someone named XXXX XXXX XXXX XXXX ) He said he was a student loan forgiveness consultant, for a Revised Pay as You Earn Program by the Dept of Education and could provide complete loan forgiveness options after 4 monthly payments of {$240.00}, then it would be a XXXX balance monthly for loan forgiveness. 
He logged into my Navient acct and provided me a temp password and gave incorrect loan info ( I have since changed my password on Navient ) He knew my social security number, and other identifying information which was concerning, I never provided it, however I did confirm that it was correct. 
I asked for a website to reference, and he gave the something called XXXX ( which is now an invalid url ) Told him I'd look into it and call back in a couple days ' time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my report and saw some fraudulent hard inquiries on all XXXX of my reports and I will need all of the inquiries to be removed immediately.
Product: Credit reporting or other personal consumer reports

This company violet my right reporting information errneos in my report I tried resolve this problem But this company say no problem With but today company pull my report and say my report is risk don't give my mortgage I need soon possible resolution this matter Because them say account no reported in my report but third parties still showing and danger my reputation U nder 15 U.S Code 1681i ( 5 ) ( B ) ( i i ) ( i i i ). This i t e m was deleted, and you reinserted them w i t h o ut notifying me 5 days a f t e r this account is in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting to experian or XXXX
Product: Vehicle loan or lease

XXXXWESTLAKE FINANCIAL preapproved me for a car loan, no down payment required approved up to XXXX XX/XX/year> went to XXXX XXXX XXXX XXXX XXXX called dealership and informed XXXX down payment needed. went to dealership to purchase advertised vehicle XXXX then was told i would need XXXX down payment. transferred XXXX from bank account. 
I was told that the excess in fees was an estimate and would be adjusted by the finance company on first bill. 
XX/XX/year> I reached out to them and they said the dealership is to request the change and make the corrections on the contract and amounts sent over to financing. 

XX/XX/year> When reached out to dealership they ignored and refuse to address my request on top of the issues i have with the vehicle not operating correctly. 
No resolve has been reached to date
Product: Checking or savings account

I have two accounts with Bank of America. I get regular emails, text and all sort of communications from them. 

I never got a notice that I was an overdraft in one of them ( small amounts, mostly recurring fees from the bank itself ) However, I did get a notice they were closing my account. 

How come they do not contact me to alert me that the account was low, but they DID contact me to close the account ( and collect the small amount )
Product: Debt collection

XXXX XXXX is charging me for auto insurance after I cancelled. They sent me to collections without any phone calls or messages. I had moved and did not receive any mail. I contacted the insurance broker I was going through for weeks with no response. I asked to have collections retracted and to give me reasons and balance owed. I was told after submitting my cancellation declaration and proof of new insurance that my only option was to pay the collection company and they would not remove from my credit report.
Product: Credit card or prepaid card

On XXXX an attempt was made to pay my credit card through my local Bank of America XXXX XXXX {$1000.00} Was initially deposited however {$100.00} was returned due to being an old bill. After returning the bill the machine froze and after a brief wait it switched back to the welcome screen, never providing confirmation of payment or any receipt. On XX/XX/21 I went to the branch in an attempt to resolve the manner, I was directed to their credit card support phone line. Upon calling the support line I repeated said facts related to the incident, and was told that a claim would be opened and I would hear a response within XXXX business days. It is currently XX/XX/21 and I have yet to receive any communication or resolution from Bank of America related to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please see documents attched for more details. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I changed cellular phone service in XXXX with XXXX, they sent it to collections and I paid it in full and its been sitting in all XXXX credit Boreas as in collections, or derogatory, or paid after charge off in collections, all XXXX are inaccurate and i either want it corrected on all XXXX reports or removed completely
Product: Debt collection

Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/
Product: Debt collection

This debt was never confirmed or validated. If they can come up with some paperwork where I did contractually agree to pay this debt then Id be obligated to pay but I did no such thing. So please removed this from my credit report. And quit sending me pre-legal emails threatening to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with Navient and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX CITIBANK, XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Citi bank XXXX XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX  XXXX XXXX  XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of CBNA
Product: Credit reporting

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX XXXX XXXXXXXX about the reporting of transactions on my credit report without the written express instructions to report to the credit reporting agencies. The false reporting resulted in late payments being reported without my consent. This was a violation of 15 USC 1681b-Permissible Purpose. When I attempted to investigate the reporting of the information with XXXX XXXXXXXX XXXX, they replied that they could not locate the account. To resolve this matter, I would like for XXXX XXXX XXXX to remove the false reporting account from the credit bureaus ( XXXX, XXXX, and Equifax ).
Product: Credit reporting or other personal consumer reports

I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact FICO. which is another paid agency and I already pay for Experian. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over 620 and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected
Product: Credit card or prepaid card

Once again I am unable to log into the citi app to pay my bill. This is my second complaint this month about being unable to pay my bill. If I'm charged any fees or interest over this please understand that I will sue and I will win. You must take my payments.
Product: Student loan

Ive applied for the temporary extension public service loan forgiveness ( TEPSLF ). They denied my application because the payments I made 12 months prior to applying was less than what I am currently paying. The problem : my payment is income driven so the amount will always be less than the previous 12 months if I get a raise AND the payment is determined by the same company that has denied me. Its a no win situation and designed to make it nearly impossible to qualify for loan forgiveness.
Product: Credit card or prepaid card

My payment is due on the first of each month. On XX/XX/18 according to my phone record, I made my payment at XXXX Eastern time. When I received my next statement I had a late fee of {$27.00}. 

XXXX credit statement does not give clear information on the time phone/internet payments are due. It only states " crediting times vary, but generally must be made before XXXX XXXX   CT to XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet/telephone payment please contact Cardmember Service for times specific to your Account and your payment option. '' However, when you call there are extremely long wait times to speak to a customer service representative. I waited 25 minutes before finally hanging up. After several attempts and further waiting on hold, I was eventually able to speak to someone. The person was extremely rude and kept cutting me off and talking over me. I finally took down his name, which was XXXX, operator # XXXX, and because of his extreme rudeness I requested to speak to a supervisor. He kept demanding to know why I wanted a supervisor and it took a long time with him yelling at me before I finally was put through to a supervisor named XXXX. 

XXXX was slightly better to deal with. He explained that phone payments have to be received by XXXX CT. I explained that according to my records I made my payment at XXXX ET ( XXXX CT. ) He said that their records showed my payment not being made until XXXX ET. I questioned the accuracy of this, but he was determined his records were the correct ones, not mine. He did, however, remove the late fee, but this was a lot of hassle to go through. And, my understanding is that the CARD ACT requires that payments be credited on the day they are received. All of my other credit cards have a cutoff time of XXXX ( in their respective time zone. ) If phone payments are due at XXXX CT, why isn't this stated clearly on the statement? It seems like this system is designed to trip people up so they can collect more late fees. Customer service is poor and it is very difficult to get through to someone.
Product: Debt collection

This debt and another were paid years ago to an attorney 's office for collection. Please have the debt collector provide a complete detailed listing of all collection agencies and payments made to each for the life of this debt.
Product: Mortgage

LoanCare stole money from me under the guise of forced lender placed insurance.  They are now refusing to let me out of escrows therefore requiring me to pay into an escrow for an insurance policy I have already paid for.  They took money from me over the course of an entire year, then failed to renew my policy THEN they continued taking money from me despite the fact that the absolutely KNEW I had already purchased a policy in full.  They do things to confuse and slow the process like make it impossible to get a human being on the phone.  They do EVERY SINGLE THING by email but then when they were trying to contact me about their screw-up with my insurance, they sent me PAPER LETTERS VIA SNAIL MAIL.  So when it has to do with me paying them, they want email and everything to be smooth.  But the one time that it has to do with them telling me they screwed up, they send paper letters via regular U.S. mail.  Their staff was obviously trained to try to confuse me and thank God i kept asking questions because I wound up getting three different stories for what happened.

LOAN CARE ESCROWS ARE A SCAM AND THEY ARE STEALING FROM ME.  THEY TOOK MY MONEY FOR INSURANCE AND THEN DIDN'T RENEW THE INSURANCE.  THEN WHEN I WENT AND BOUGHT MY OWN INSURANCE POLICY THEY TOTALLY SCREWED ME AND KEPT TAKING EXTRA MONEY OUT OF MY ACCOUNT.
Product: Debt collection

This continued documentation of a complaint we have filed on case XXXX. We want to submit further proof of the collection practices of this law firm. We have paid the original amount off and now they are attempting to collect interest at 10 % 6 months after the amount filed in court has been paid off. This not only happens to us but also to many people who are already having problems and this type of collection practices further damages consumers and is allowed without representation in the court. This law firm has been saying they are working with us but have only sent letters without a payment amount nor have they in our complaint sent us any documentation. As the documentation will prove they are not telling the truth. They garnishment filed against my wife 's wages on XX/XX/2016 states she owes {$5200.00}. It has been delivered to her place of employment and is actually going forward if they do not accept the XXXX dollar amount she has asked them to accept. She is doing this because the lawyers we have contacted only attempt to get her to file bankruptcy. Your agency stated it helps consumers and right now it does not feel like it. attached is their most recent legal action even though they are telling you all they are working with us. The clerks office in XXXX told us this firm is the worst and that the judges allow it. Also when my wife called them today, they told her here knew amount was over XXXX dollars not the XXXX filed in the court. 

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

There is a credit card account of Bank of America ( closed ) in not mine so ask them to remove it but still existed
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I wanted to write about Zelle 's handling of disputes, as I am concerned now. Especially right now in light of the recent CFPB lawsuit highlighting issues with Zelle. After having Zelle for a while and reporting the discrepancies in my account, Zelle has failed to adequately investigate the claims. They told me that receiving slot funds was impossible. The XXXX  finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability is unacceptable after having mentioned all the problems I was having with them. I have concerns about my consumer safety now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX regarding inaccuracies in the reporting of a charged-off account and multiple unresolved late payments. The account, [ Account Number : XXXX ], is reported as charged off with a balance of {$620.00}, and it reflects late payments from XXXX through XXXX. I have previously disputed these issues directly with XXXX on XX/XX/XXXX but the reporting remains unresolved. 

Details of the Dispute : Charged-Off Account : The account is marked as charged off with a reported balance of {$620.00}. I dispute the charge-off and request validation of this amount, including a detailed breakdown of the charge-off and any fees associated with it. 
Late Payments ( XXXX ) : The account shows multiple late payments from XXXX through XXXX, including 30-, 60-, 90-, and 150-day delinquencies. These late payments are unverified and do not match my records. 
Failure to Validate : I have requested documentation to substantiate the charge-off and late payments, but XXXX has failed to provide adequate proof.

Applicable Consumer Laws : 15 U.S.C. 1681c ( a ) : Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not remain on the credit report for longer than seven years. I request that this information be removed if the charge-off is older than seven years.

15 U.S.C. 1666b : XXXX is required to verify and substantiate late payment claims for open-end credit plans. I request proof of the late payments.
Product: Debt collection

on XX/XX/15 this account was taken out and reported on my credit file as derogatory information, a collection account in the amount of {$130.00} I have corresponded with this company to resolve this issue on several occasions with no avail to take care of this complaint that I have no knowledge this meets FCRA regulations per my attorney. this was a final attempt before law suit per my attorney. XXXX XXXX has already taken it of my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

I have never had a balance with XXXX XXXX XXXX which is the original account owner and received acknowledgment of this when I moved out. 
I also recently spoke with XXXX XXXX XXXX on a recorded call and was told that they did not have any records on file of me having any dept with the company. 
Hunter Warfield is claiming that I have an outstanding balance which they are reporting to XXXX  and due to them reporting this inaccurate information it is ruining my credit. I contacted Hunter Warfield and explained to them that the original creditor doesn't even have anything on file of me having any dept but they still continue to report this inaccurate account to XXXX.