23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX  of Massachusetts next. I need my payment history fixed immediately!!!
Product: Mortgage

In XX/XX/XXXX I contacted Shellpoint Mortgage Servicing about having the PMI removed from our mortgage, as we had reached 80 % of the original value. At that time I was told that was not so and it was not eligible until XXXX. Beginning XX/XX/XXXX they started charging an additional {$340.00} in PMI. I was not aware of this until we received our escrow statement in XX/XX/XXXX, as they did not put PMI on our monthly statements. This escrow statement showed a shortage of {$2100.00}. The total PMI being charged from XX/XX/XXXX going forward is a total of {$430.00} per month. This amount is more than the amount going to principle - {$360.00} or interest - {$320.00}. This is outrageous. We did send Shellpoint {$150.00} to have a home valuation done in hope that the PMI will be removed. This home valuation was done XX/XX/XXXX. Regardless of what the outcome is, this PMI is being overpaid and should be corrected and refunded. The PMI should have been removed and we should not have even been required to pay the {$150.00} for the home valuation. Charging more in PMI than the amount of the principle is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  Account # XXXX and Account # 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 Account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I generally ask for a credit report from each credit reporting company once each year, using the toll free number provided by the government. I last received a report from Experian in XXXX, XXXX. Since XX/XX/XXXX I have tried twice to receive another report from Experian. Instead of sending my report, I received a postcard from Experian asking for the same information I gave over the phone, plus a a copy of a government ID such as a drivers license and a copy of a utility bill, bank or insurance statement. I have never been asked for additional information before by any of the credit reporting companies. I received a copy of my XXXX  credit report in XX/XX/XXXX without supplying additional documentation. I asked for my XXXX  credit report today and I do not anticipate the problems I have had with Experian.
Product: Consumer Loan

I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. 

Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : XXXX XXXX  Acct # XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981
Product: Mortgage

I lost my job and was unemployed in late 2019 and Wells Fargo put me in the forebearance plan. Once I found employment I was told by Wells Fargo that I have to pay the entire late balance of the loan to avoid foreclosure. 

I can pay the monthly mortgage with no issue but can not pay the late balance to bring the mortgage current.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, XXXX, and Equifax because they violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). I wish to opt out of their reporting services unless prior notice is provided to me. Despite my charged-off accounts being settled, these accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should be treated as income rather than an " owed debt. '' Under 15 USC 1681 section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy, yet these agencies have failed to uphold this obligation. My right to ensure that my personal information is not shared without my consent is protected by 15 USC 6801, which mandates that financial institutions respect customer privacy. The creditors listed on my credit report, as furnishers of information, must adhere to these legal obligations. Additionally, under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only authorized to furnish reports in accordance with the written instructions of the consumer. However, I did not grant consent to Equifax, XXXX, or XXXX to furnish my information, and I have revoked any prior consent, whether verbal, non-verbal, written, or implied, effective immediately. Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to opt-out, a right I was never informed of. It is also illegal to report transaction history, and I request that all my accountspast, present, and futurebe reported as " paid as agreed '' on my credit report. I am seeking compensation for the erroneous reports sent by these agencies, with {$100.00} for each inaccurate report that led to companies reaching inaccurate conclusions. To date, XXXX has sent approximately XXXX inaccurate reports, XXXX has sent approximately XXXX, and Equifax has sent XXXX. Additionally, I am entitled to {$1000.00} per violation of my rights. I am opting out of all reporting services that disclose information to nonaffiliated third parties without my consent, and I expect a privacy notice before any additional information is furnished on my consumer report. Lastly, I request confirmation of the corrections made regarding any inaccuracies from their records, including all charged-off accounts being tagged as " paid as agreed. '' Under 15 USC 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable for actual damages or damages of not less than {$100.00} and not more than {$1000.00}. If I can prove that these agencies willfully violated the act, I am entitled to at least {$1000.00} per violation plus any other damages sustained as a result of their failure to follow the law. Since this isn't the first time I am complaining, willful noncompliance can easily be demonstrated as they were fully aware of the violations after being informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

the debt is not mine. I told the original company that the debt is the responsibility of the current owner. I have never paid a red cent towards this debt and I never authorized any changes to the original contract. The changes and debt belongs to the owner of the account.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the issue persisted. This is incredibly frustrating, and I need the documents I submitted to be thoroughly reviewed so I can finally have peace of mind.
Product: Mortgage

In Monday XX/XX/2024. I called Bank of America to discuss repayment options since my foreberance ended on XX/XX/2024. 

I spoke to someone named XXXX. Very incompetent talked in circles. Had to ask her multiple times how to spell her name. 

Horrible customer service. After going in circles and getting no where. I then asked for a supervisor. She placed me on hold but kept coming back to the phone every minute taking over the recording and saying youre still on hold. 

After about XXXX minutes on hold I said its not necessary to come back every minute to say youre on hold. 

XXXX then says, to speak to a supervisor it will take 5 days for a supervisor to call me back.
Product: Credit card or prepaid card

I had purchased a XXXX refrigerator from Costco during XX/XX/XXXX/XX/XX/XXXX using my Citi Visa card. As per the card member agreement. I get first two years of warranty from Costco/XXXX .3rd and 4th year warranty from Citi . 
My refrigerator is not working fine since XX/XX/XXXX. It's intermittent issue - it's not always cooling. I created a request with Citi Card benefits for this and they created Citi Card Benefits Request # XXXX. 
XXXX XXXX technician came in on XX/XX/XXXX and did the diagnosis. He charged me {$64.00}. 

Citi is neither telling me the right steps nor making these kind of reimbursements. 
Technician told me the compressor has gone bad and it requires replacement. But he has told me verbally and not in writing. 

But Citi can at least reimburse me for this {$64.00} in the meanwhile. It's a long pending case right now.
Product: Debt collection

JJ Marshall Assosciates Inc. has lied to all three credit bureaus repeatedly when I have tried disputing them on my credit report. This debt belonged to my husband and was discharged in his chapter XXXX bankruptcy case number XXXX on XX/XX/2017. JJ Marshall Assosciates Inc. keeps telling the bureaus that their information is correct and belongs on my credit report as an active collection. They will not tell the truth and I have submitted proof to each credit bureau. At this point I am able to sue for harm to my credit report as well as pain and suffering due to their illegal tactics and false reporting.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as Experian XXXX XXXX with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

Experian/XXXX  Inaccurate address/Account status Account # XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts over an extended period, fraudulent, inaccurate, and misleading information tremendously impacting my life remains unresolved on my consumer credit reports. The prolonged presence of these unauthorized items has caused me significant stress, XXXX, and detriment. As the victim of identity theft, I did not authorize or consent to any of this harmful information being associated with my name and credit profile. 

I am writing to inform you that due to the severe and unresolved nature of this issue, I have no choice but to pursue legal action against your company for violating the Fair Credit Reporting Act. Your ongoing reporting of information you have been made aware is inaccurate and fraudulent is unlawful. 

I hereby demand that you take immediate action to fully update, delete, and permanently block all fraudulent accounts, inquiries, collections, and any other items stemming from the identity theft from my credit reports and file. This matter requires your utmost urgency, seriousness and attention to rectify.
Product: Debt collection

I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.
Product: Debt collection

On XX/XX/XXXX, I checked my credit report for errors. Upon checking my XXXX report I saw that there was a collections account for {$47.00} being reported that had been removed the prior year. In XXXX, the account was owned by XXXX XXXX XXXX XXXX and was removed because it could not be verified as mine. I never received verification information from XXXX XXXX XXXX XXXX. Now the account is being reported by Credit Systems International Inc. ( CSII ). I have reached out to this company by mail twice, XX/XX/XXXX, and XX/XX/XXXX, to dispute the validity of this account. On XX/XX/XXXX, CSII responded to my first letter, but did not supply the verification information I requested ; however, the account has temporarily been removed from my XXXX report until their investigation is completed. In their response it is stated that XXXX XXXX XXXX is the original owner of the account, but no contact information was provided. As of today, XX/XX/XXXX, it has been almost two months since I've received communication from Credit Systems International Inc. I am placing this complaint because I fear this account will be sold to another company again, and I will be forced to repeat the dispute process repeatedly for an account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report is mixed with my XXXX, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violate 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC/ XXXX XXXXXXXX XXXX XXXX XXXX has been previously notified to verify my account to be accurate and complete. I have noticed that ECMC has been violating my rights by reporting inaccurate and incomplete information on my credit report. ECMC is reporting different information to two different credit agencies for the same account.

ECMC has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that ECMC has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported late payments on my account for the month XXXX XXXX XXXX I paid off the loan before the loan term ending in XX/XX/ and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.
Product: Credit card or prepaid card

I did not open this card and now Im stuck paying on it.. I see on XXXX XXXX my monthly fee is $ XXXX  month. I can not afford that. I will pay $ XXXX   month and hope this is not negative on my credit report. I will also be filing police report on the person who opened this in my name.. I did not open it. My ex did and she used my new wifes name as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to dispute inaccurate information a couple of weeks ago. I have previously disputed it several times over last ten years and can't get it corrected. Tried to use the Equifax website to dispute again and was told had to call. Call menu required them to send me a code by mail. Got the code. 

Tried to dispute with the code, XX/XX/2020 and was told had to call XXXX. Called got through security questions and was put on hold. on hold ... on hold on hold, Didn't feel like staying to midnight just to get hung up on, so filed this complaint when call timer on cell phone went over 60 minutes.
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened using some of my personal identifying information. I reached out to XXXX XXXX XXXX XXXX concerning this fraud. I was told that they would investigate. In XXXX I became an independenXXXX XXXX XXXX XXXXXXXX. I attempted to join the XXXX XXXX. I was told to reach out to the XXXX XXXX XXXX XXXX at XXXX. I have been contacting them for the past 26 months, leaving repeated voicemail messages, NEVER receiving a response. I have a police report, concerning this account, that I will submit along with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

constant sales pitches.and hangups