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

Capital One Auto Fin account is reporting inaccurately for the year of XXXX i have been on a payment plan with this company. Please correct incorrect late payments reporting for the year XXXX.

See 15 U.S Code 1666b please remove incorrect late payments.
Product: Student loan

I have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I mailed a request to XXXX  and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

XXXX  {$350.00} reporting from XXXX  and XXXX. Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX  Merchants Credit {$150.00}.
Product: Mortgage

RE : JPMorgan CHASE Loan # XXXX Case # XXXX FHA Case # XXXX XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager,  Mortgage Assistance Reapplication Review Team, on XX/XX/XXXX @ XXXX. He missed the call he called back ( XXXX ) gets transferred to Mrs. XXXX XXXX She asks him if there have been any changes since ( XX/XX/XXXX ) circumstances. XXXX doesnt have that file or documents pertaining to that request for short sale to answer if there have been any changes that reflect the current request for short sale. 

What I dont understand is why is CHASE deflecting back to their ( XX/XX/XXXX ) decision not addressing my request to answer the SERVICING AND LOSS MITIGATION, FHAs Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), the ( minimum 31 days delinquency ) period and marketability of condemned property. My property is not condemned. 

Mrs. XXXX stated to XXXX that he needed to address and wait on XXXX XXXX return call on any FHA Guideline issues : XXXX XXXX, XXXX, Executive Office Research Specialist, Case # XXXX, this is the same response XXXX got from,  XXXX XXXX , Escalations Case Manager on XX/XX/XXXX, to which my loan per Mrs. XXXX is not under Reapplication Review. 

XXXX asked for her Supervisor she stated XXXX " XXXX XXXX XXXX, was the Supervisor. Ive gone from Case Manager to Relationship Manager to Supervisor, Mortgage Assistance Reapplication Review Team. A listing agreement has been submitted to XXXX XXXX. Will anyone address CHASEs apparent violations? 

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners-Borrowers
Product: Mortgage

AM unable to ascertain payment on loan. Have paid loan down almost to the amount which is the non interest bearing balance. I have been told multiple things about the payment to be made. From the statement balance on the website, which CAN NOT be made as stated on the website, to the statement balance on the attached PDF file. I have also been told I must pay the entire balance immediately that it is down to the non interest bearing amount and therefore it is a 'balloon ' payment which must be paid in one lump at maturity. The problem being that the maturity on this loan is not for about 29 more years. 
As well as my not having {$6000.00} on hand to pay them at the moment. All of my other funds are going into completing the repairs to my home after hurricane Michael. 
Apparently MR. COOPER doesn't know what they are doing. Perhaps you can help them figure it out. 
I'd like to know. 
I've been satisfied with MR. COOPER until now when I keep getting conflicting answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an account on my credit report from XXXX XXXX XXXX XXXX of {$10000.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. The letters, and the proof of return receipt will be attached with this complaint. 

This has put a stress over my life in a very negative way
Product: Checking or savings account

I live in XXXX with my family like a permanent resident. The Bank closed my accounts and my family 's accounts at the same time, on XX/XX/XXXX.They reported that I would receive my money for 7 to 10 business days, I received only the letter that inform the bank 's decision to close my accounts, but I did not receive my money. On XXXX the XXXX that I was informed by phone that it could take 30 to 90 days from XXXX the XXXX, improperly changing the initial information I need my money.They cause inconveniences by closing accounts unilaterally and do not comply with what they report. Help me please. 
I presented the complaint number XXXX together with my son, you wrote to him saying that he could not present my claim, but they did not solve either of the two complaints, neither he nor mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed XXXX letters through certified mail with return slips to XXXX, Equifax, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.
Product: Mortgage

On going saga. Insufficient funds in my checking account due to increase in my tax escrow created runaway train with Wells Fargo. Went to the bank to resolve the problem,, deposited the monies to cover the insufficient month of XXXX and also deposited XXXX 's payment to cover that month as well as that was coming due. Was told account was brought up to date and all was well. The bank representative failed to tell me that Wells Fargo closed out my auto pay connected to my checking account and ... XXXX what she should have advised me at that moment was to just " make the payment '' as depositing it would be futile ( not sure why they shut my auto pay down, seems NOT what you want to do if you are trying to obtain a payment ) they had no explanation. Anyway because of the banks failure to service my loan correctly and inform me of the shut down, I have received late penalties and they have reported me to the credit bureau reducing my credit score by XXXX points I have a thirty year mortgage history with no late payments. ... until Wells Fargo ruined it. This was an internal mistake on their end and they need to reverse it and thus far have refused to correct their mistake. I am willing to pay the penalties, but the credit score thing is very upsetting. They need to own up to the fact that they did NOT notify or inform me of the close down of the auto pay at the branch, and additionally a disclosure informing me of this was rec 'd by me the XXXX of the month ( XXXX ) when I expected withdrawal to occur on the XXXX, ( 10 days after ) as that is how my mortgage is set up with them. This bank is an on going nightmare. So frustrating .... Classic case of insult to injury.
Product: Credit card or prepaid card

I attempted to purchase an online course at XXXXXXXX. I was on a video call with one of their representatives attempting to make payment. I used a business card that I have with Capital One. I immediately got a text saying my transaction was declined, so i used my personal card with Capital One. Come to find out, I was charged on both cards for the transaction. I spoke with Capital One and the transaction was taken off, and I was asked to sign a document they sent in the mail for records. The charge has since been reallocated to my business card ( so both cards have been charged ), and They are telling me I need to submit more documentation for a mistake they made. I spoke with someone for an hour trying to get the problem resolved, but was told that I couldn't speak to any of their supervisors and that there was no way to have someone reach back out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER. IN XX/XX/2022, I FAXED A LETTER TO CHEXSYSTEMS AND DID NOT GET A RESPONSE. ON XX/XX/2022 I RECEIVED ANOTHER COPY OF THE ATTACHED CHEXSYSTEMS REPORT. I SENT ANOTHER LETTER TO CHEXSYSTEMS REQUESTING THE REMOVAL OF THE INACCURATE INFORMATION PER FCRA. IT HAS BEEN WELL OVER 30 DAYS AND CHEXSYSTEMS HAS NOT RESPONDED TO MY WRITTEN CONSUMER REQUEST. I WANT THE INFORMATION REMOVED FROM THE REPORT AND FILE AS THEY ARE INACCURATE AND CHEXSYSTEMS WAS NOT GIVEN THE AUTHORITY OR PERMISSION TO REPORT ANYTHING ON MY BEHALF.
Product: Student loan

My husband has student loans he obtained with the help of an aunt. We are currently getting divorced. They have my cell phone number and refuse to stop calling me. I spoke with them on the phone repeatedly and told them to stop calling my phone number. I asked them to update it to his number, which they already had. They refused to remove my number from their database. I told them in no uncertain terms, I did not want to be contacted again via phone about this matter. It 's not my debt, the person they are looking for is not at my number, and I do not want the calls. They point-blank refused to remove the number.
Product: Debt collection

Instead of providing me with the detailed information I requested, about my WELLS FARGO Home Equity Account, they immediately contacted XXXX & reviewed my credit records, each time, on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Their credit inquiries are suspicious because these requests have nothing to do with the information in my Credit file. 

Further, WELLS FARGO refused to investigate and correct statement errors, which not only impacted my credit scores and history ; but also affected the balance owed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past seven years I have had difficulty working with Experian on blocking fraudulent items. I have two police reports on file with Experian and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that Experian do not send did not attach police report to dispute .XXXX XXXX XXXX will return call in 24 hours per XXXX in fraud department XX/XX/20. 

Experian also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and Experian refused to update my credit score. 

Experian is asking for an extended police report. once again these are not new items on the credit report. Experian is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.
Product: Debt collection

JEFFERSON CAPITAL SYST Is reporting a collection account on my credit report, I HAVE NO IDEA ABOUT THE ACCOUNT, the balance is {$4400.00} that is reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per TransUnion showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by XXXX has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Student loan

XXXX - MOHELA Issue - MOHELA 's customer service is lacking and their phone tree system isn't aiding anyone by having to constantly by cancelling held calls versus getting a person to a service represenative. 
Their new loan system shows that my payment went up nearly XXXX dollars with no notice of change in statements or reason for change in payment/interest rate increasing. I've tried to get ahold of represenatives to no avail, and they seem to have deleted documentation in their online portal showing where I have signed up for discounts and debit information. Instead now they are authorizing payments that are more then I selected before I submitted for auto pay last year after forbearance. 

This is unaccetapble and I believe is against multiple regulations.
Product: Money transfer, virtual currency, or money service

I was enrolled in a free trial for Google play  pass, and when I chose to terminate it I was not reimbursed for the remaining play points
Product: Vehicle loan or lease

XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too