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

I received notification on XX/XX/XXXX of a 30day late payment on my Upstart installment loan that should have been paid in full in XX/XX/XXXX. At the inception of the loan automatic payments were setup in the amount of XXXX to be paid monthly for 36 months with the final payment being a one time larger amount taking care of the remaining balance. However, I found out ( after adverse credit reporting ) that {$81.00} remained at the end of the 36 months and was not included in the final automatic payment as planned and as the loan documents outline. 
The last I checked, there was an autopay payment applied on XX/XX/XXXX for XXXX and my account was showing as current in good standing. I contacted the company immediately when I received notification of the late payment on XX/XX/XXXX and inquired about the status of the account. I informed the manager XXXX that the payment history and balance history was incorrectly reported. I was told that the autopay ended at the end of XXXX so the remaining balance was left unpaid. My XXXX payment of XXXX was not reported as paid to the credit reporting agency. I was told that they werent allowed to draft the {$81.00} because it was a " different amount '' that they were not authorized, however, my promissory note indicates that the last payment may be more or less or may need to be extended. The TILA also outlines that the last payment is different. 
I was never notified that an {$81.00} balance was remaining and that it would require a separate manual payment. On XX/XX/XXXX I paid the remaining separate payment as soon as I found out. I paid on time and in full each month When I spoke to a Loan Operations manager named XXXX on XXXX she informed me that they would not remove the information. XXXX refused to review the details of the account with me and ended the call. She also refused to escalate the matter to her supervisor as I requested. I sent numerous emails and called back to reach someone who would be able to resolve the issue but was unsuccessful in reaching a senior staff member to review the details of the account and correct the inaccurate reporting. The representatives claimed they were not allowed to leave a voice message for me.when they claimed to have called me. 
To date, I have been unsuccessful in all of my attempts to correct the erroneous information despite proper documentaion from the lenders own website showing my perfect payment history. I paid as agreed and was never late but Upstart refuses to resolve and correct the information.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information talent manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint needs to be flagged for emergency review. 

Again today, XXXX XXXX XXXX flagged complaint XXXX as a duplicate. They errored in their actions today in multiple ways. 

1. They did not reference the duplicate complaint they were comparing todays dispute with to properly tag it as a duplicate.

2. According to the rules as stated clearly on this dispute form, the lender in this case the furnisher, should have included the steps they will take or did take to address this complaint.

3. They falsified this document.

4. They violated the fair credit reporting act by as stated above, and deprived of my rights to due process by falsifying this complaint they unfairly and willfully falsified this Document not all with to participate in the dispute process at all and deprived me of the opportunity to be successful in this dispute. 

I demand that these criminals be removed from my credit report.
Product: Debt collection

Continued letters and phone calls. 
I do not have or had a student loan. 
Contacted Federal loan division and and confirmed on loan. Sent this info and no response.
Product: Debt collection

Calling after hours when returning the call their phone do not answer. please help thank you may God bless you all
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 Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 inaccuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Changed from a charge off, to 22 late payments and is in direct violation of the law. You can't go from charge off to open status without valid information. Even so I have not received statements 21 days prior to the reporting of 22 late days 15 U.S.Code 1681 ( 2Xi ) 15 U.S.Code $ 1666b 12 CFR 1026.13 Remove the account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/2020 I contacted Centron Services and spoke with XXXX to set up payment arrangements for medical bills. I was told I would be sent paperwork to fill out and to have it back within 30 days. I did not receive the paperwork until XX/XX/XXXX, but still sent that paperwork back within 30 days of XX/XX/XXXX, this was verified, they received it XX/XX/XXXX. I was told I would be contacted back via phone message on a decision. I did not hear anything until XX/XX/XXXX, when I received a judgment in the mail from the court. I mistakenly thought perhaps this was a step in the process, so I did not contact Centron Services. On XX/XX/XXXX, I received an email from my work that they had received a garnishment order for my wages. I called Centron Services on XX/XX/XXXX and Spoke with XXXX to ask why I was not contacted as I was promised to set up payment arrangements. I was told that they had called me on XX/XX/XXXX and XX/XX/XXXX and left me a voicemail to do this. I told XXXX this was a lie, my phone is turned off during my working hours but a voicemail would still save, and no voicemails were left. XXXX said " the notes say a voicemail was left '', and she has no reason to not believe that. I again said that was a lie and asked for a copy of the voicemail, as I know from experience that calls are always recorded. XXXX refused that request. I still stand firm that I did not receive any phone calls and no voicemails were ever left. Centron Services lied to me from the start, never intending to take payments, which I offered and fully intended to make. They sent me the paperwork to do this, I filled out the paperwork and took copies of everything, sent it back in a timely matter, even early, and no one ever contacted me back, in fact they lied 100 % about it.
Product: Debt collection

First of all, I want to start with that my first complaint about the XXXX XXXX in your file from 2020 was never resolved. The creditor had charged my account twice for a product not ordered nor received. They only credited me once, so the amount is still owed to me, please follow up. 

Secondly, I now receive a debt collection request from XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, or XXXX XXXX XXXX, XXXX, NC XXXX, original creditor XXXX XXXX XXXX XXXX {$4000.00}, phone ( XXXX ). I requested validation of debt since the original creditor disputes the existence of this account. 

Instead, I receive an ID theft form that asks for all my personal information. Certainly, I will not give this to a scam company, and ask that you request that this company pays the {$1000.00} FDCPA penalty directly to me, since they can not provide an itemized statement nor any validity of this debt within 30 days as requested when the first debt notice was received. Otherwise, JCS, XXXX would also need to pay my legal fees, while this matter will go to court in WA.
Product: Payday loan, title loan, personal loan, or advance loan

Astronomical fees and interest! Got the loan on XX/XX/year> for {$600.00}, as of today, XX/XX/year>, the balance due is {$670.00}. How is the balance still more than the loan?! And I have been making {$140.00} payments?! Where is the money going?
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over XXXX days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX days to respond to my dispute. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This XXXX accounts is inaccurately and erroneously reporting on my Credit Report. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about my concern to this accounts. Please investigate and remove this following accounts completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$110.00}
Product: Debt collection

In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX put on my credit report ( Equifax ) my student loans before I even finished school and I had no breaks inbetween classes. Some of my student loans were put on my credit report back in XXXX  and have been on my credit report ever since. XXXX has paid for all my student loans because of my physical XXXX. I have the paperwork from XXXX stating each student loan that is paid. I have contacted them several times with copies of XXXX paperwork but there are still XXXX negative student loans on my credit report. I want ALL OF THEM REMOVED.
Product: Credit reporting or other personal consumer reports

In according to federal law this company Bank of america, has violated my rigths, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * Credit Control LLC is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, 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. Credit Control LLC, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, Credit Control LLC whether it be verbal, nonverbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. Credit Control never informed me of my right to exercise my non disclosure. XXXX XXXX XXXX  are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Mortgage

I made an inquiry to refinance my home. My goal was to pay off debt and get cash out. I was on the fence and unsure I wanted the higher mortgage payment and higher rate. I was contacted by XXXX XXXX XXXX ID # XXXX by text. He was very aggressive in trying to get me to go through the loan process. On XX/XX/XXXX he texted me that my file was approved ( I had not done an appraisal at this point ). He stated on XX/XX/XXXX, " This will get you almost XXXX in cash out when you close. You would be able to pay your parents back XXXX, payoff your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and your other smaller credit cards. Between your current mortgage and the above liabilities you're paying XXXX a month. This refi will cut you down and you would still have about XXXX in cash for home improvement or build up your savings account. '' I told him my house would appraise for about XXXX. He put on the loan documents that the value is XXXX. He NEVER stated that my house had to appraise at a certain amount to be able to get the loan and the items he promised. Because of his promises, even though I was still nervous and on the fence, I paid the {$520.00} and moved forward with the loan. I uploaded all of my documents in a timely manner and then the house was appraised. It came in at XXXX, which in my opinion is lower than what it should have been. I voiced this to him and he stated " It was still a win. '' He did not tell me that the loan was being approved at a lower amount and not meeting the goals HE PROMISED. I feel lied to. I had to ask him 3 times to cancel my loan and it was only cancelled after I spoke with a manager. I refinanced with Amerisave in the past and didn't have any issues. I am really disappointed you allow someone to be a loan officer that manipulates clients without being upfront. I am asking that my {$520.00} appraisal fee be returned because I never would have gone through with the loan if I knew it was all based on the home value.
Product: Debt collection

XXXXXX/XX/XXXX and XXXX XXXX XXXX are trying to charge me fees and collection charges for the month of XXXX, 2024 for my Business account that was closed in XXXX, 2024. XXXX extended my account closure date another month in order to charge a fee and send it to collections. XXXX never sent me any notification that my account would remain open until XX/XX/year> ( without my permission ). XXXX never informed me of additional fees and charges would incur AFTER the account is closed. I spoke with Reps from both XXXXXX/XX/XXXX and XXXX XXXX XXXX and was told that it takes up to XXXX to 60 days to process an account closure and they usually ask the customer to leave the account open in case any last transactions come through. Well my account had not had any transactions for several months, which is XXXX of the reasons it was being closed. I agreed to pay the bank fees accrued while the account was dormant of {$91.00} dated XX/XX/year>. I called the bank to make sure there was nothing else owed and that this would prevent any collections or notices to credit bureaus. The fee in question was {$4.00} in which I had no knowledge of the fee until I received a letter XX/XX/year> to collect {$200.00}, which includes {$100.00} in collection fees and confirmed by the representative today, XX/XX/year>. Allegedly, {$4.00} monthly fee for XXXX could not be deducted because the account was closed. Therefore, it was sent directly to their collections dept and they added collection fees. I should have been notified by mail, email or phone call before adding more fees. Also I have received an email from XXXX XXXX ( XXXX XXXX XXXX ) that this same process is happening with them because their renewal fee of {$49.00} was returned because the account is closed. and now they see that it is in collections and will need to send it to their collections in order to find out when the account was closed. This is turning into a nightmare over {$4.00} fee that I should never have been charged for in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually locked out of my account with Equifax, I did have a paid account, called twice because I could not log in, they keep giving me error screen to call them, I call them, however they will not give me a reason WHY I can not log in and have to call them. so the last call about a month ago I said close my paid account, you refuse to let me access it. I try to log in today and same message, it is always with them, with no explanation. These companies control your quality of life and it seems they can do whatever they want? Not right!