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

I'm contacting your company again because I just checked my credit report and now Equifax is also displaying fraudulent account balances to lower my credit score. Equifax is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX   XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX  balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX   which these accounts are fraud and I want them removed from my credit report at one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the pandemic, the public is entitled to free WEEKLY credit reports from Equifax, XXXX, and XXXX. At the site recommended by the CFPB, XXXX XXXX XXXX, I am unable to obtain an Equifax credit report online. This is due to the " security questions '' that are posed -- Equifax must have erroneous answers to some of these questions. This forces me to request my credit reports through the mail, and I send my requests certified with return receipt due to the confidential nature of the request form 's contents. This costs {$7.00}. I am at risk for identity theft due to a transgression by XXXX, and I need to request my credit reports frequently. 

On XX/XX/2021 I sent ( via certified, return receipt mail ) a complaint letter to Equifax concerning this matter, as my pandemic budget did not originally include {$7.00} every time I want to check my credit report. Equifax never acknowledged the screening question issue, instead sending two copies of my credit report that I'd requested previously through certified, return receipt mail. This did not solve the problem of the company 's online screening questions having erroneous answers and serving as a barrier. I am still stuck having to pay {$7.00} to obtain what I should be able to get online for free.
Product: Debt collection

I have multiple hospital bills and they're all now with Transworld System " dept collecter agency '' ... in all my visits to the hospital I've been seen for emergencies and since the first visit when the financial assistance came to take my insurance information I told her I don't have insurance so she told me you could apply for HCAP which is an insurance can cover patients who have low income! and after I gave her my information she said that I'm eligible for % 100 coverage and I will not receive any bills ... so when these Bill 's reported on my credit report I contacted the hospital and they said it was a mistake from the financial assistance that she provided me the wrong informations!!! so now I'm stuck with multiple Bill 's for the hospital and I can't even pay it
Product: Debt collection

This debt came about cause of a terrible court ruling in a eviction case in XXXX XXXX. I had been living at XXXX XXXX for two years. They had had several landlord changes. They all knew ahead of time I work out of town for the summer. There is several reasons why i believe this ruling was wrong. For one they had more then enough notice knowing i would be out of town. Cause they had tried to evict me and dropped it after i told them i had phone records to show they knew cause i had called them. Two by the Iowa calculation of time the rent was paid on time. I had a hearing in which my attorney did absolutely nothing to help me. And after the hearing i lost. i did some looking myself and found out the Iowa codes and appealed the case. The judge took about three months to rule. In here ruling in which see stated the wrong facts she ruled to up hold the original judge ruling but gave me my appeal money back. i was on a month to month lease so honestly by my lease agreement which XXXX XXXX has XXXX broke the lease. My lease agreement said rent was late after the XX/XX/XXXXand a XXXX fee was added. It also says that there was a dollar a day fee UNTIL rent was paid. The amount XXXX is trying to collect from me has the XXXX fee plus the dollar a day for each day after the XX/XX/XXXXin that month. I am unable to try to get legal help any futher in court. This collection agency knows this ruling was completely wrong and has evidence there to show it. They told me if i could show the ruling was wrong they would drop it. I did. Then he said they would drop all the over charges and they haven't. They just filed a false claim in court against me saying i was hiding not to be served. They have an attorney there XXXX XXXX so they should know the law and these ruling was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  Opened XX/XX/2019 - {$510.00} Original creditor : XX/XX/XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$510.00} Highest Balance {$510.00} Opened XX/XX/2019 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original Creditor Name XX/XX/XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 XXXX 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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have had experience membership for about maybe XXXX months OK but Im in the meantime they kept advertising about digital checking so I said well. Let me check into it so I went and opened account and I was able to get in but recently I had changed my phone number and so now they have this rule that if you have a digital account, you have to wait 95 days before your number can be updated. In the meantime my old number is no longer needed and so that is where the codes are being sent to, and I cant even get in my experience account due to this, XXXX rule. 
When I first joined the membership and maybe like XXXX months after I went and did the digital checking, they didnt ask for no information and now just because I want to change my number they asked me for all this information. When why didnt they ask me for information when I did the digital or the membership Just I feel like this company needs to get their stuff together because its an inconvenience to the customer the customer and had to be waiting on 45 days for a update on the phone so they can finally get in to experian website. 
I really hope that you look into this situation.
Product: Credit reporting or other personal consumer reports

Hard inquiries that I would like to please remove from my credit report.
Product: Student loan

I was enrolled in XXXX college back in XXXX or XXXX. I was not aware of the high price I had been issued for this school. My loans total in the amount of XXXX. I was only enrolled in this school for about a year prior to graduating and was not able to obtain employment as they promised nor received assistance. I tried contacting them for years with no luck and didn't know what to do. I have been seeing a lot of ads on the scam that was happening at XXXX and that I should submit to have this debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. TransUnion is reporting 7 inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX and BXXXX XXXX XXXX XXXX XXXXcount ending in XXXX. These include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. Furthermore, I did NOT give TransUnion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TransUnion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Payday loan

I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court.
Product: Debt collection

I have sent Credit Bureau Associates NE several debt validation and they have not responded to my request. Also the credit reporting agency deleted the items from my credit reports and Credit Bureau Associates NE placed it back on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove
Product: Debt collection

To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Kay Jewelers ( Date Opened : XX/XX/2015 ) Balance : {$0.00} ( USD )
Product: Credit card or prepaid card

I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points
Product: Credit card

I submitted a claim against synchrony bank ( CareCredit ) in XXXX because of false advertising on their interest promotion which resulted in a high amount of deferred interest on my card which could have been avoided if I was informed properly of the interest plan. 

finally got a reply from their corporate office from XXXX XXXX a month or two ago. She ignored my voicemail for two weeks then I finally got a customer support manager to force her on the phone. She listened to issue and said she would review the interest on my account and per the only resolution I agreed to pay the premium due once the review was done so I could clear the deferred interest. 

That was due XX/XX/year>. Its been three weeks since Ive heard from her to get this resolved l, so the timeline to fix the issue has passed. Ive left four or more voicemails, called their call center many times, and escalated the issue. I still have no help. I need to get this resolved as its been five months of issues with this company since my first request.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account number : XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Mortgage

Now the latest in the saga in my fight with Bank of America is that they hired an attorney to what, tell me they do n't have to answer a simple question related to a document they created earlier this year? The attorneys stated they do n't have to answer because they are no longer my current servicer and put out some legal statutes which I 'm sure is all XXXX all in an attempt to justify the non-response to why after so many years did they finally create the document to transfer my loan for the servicing and I also asked for clarification on another document that appears forged. It would seem more sensible if BoA wants to bring in an attorney to simply ask those attorneys to work out a settlement. Everything I have against BoA is documented, it 's in writing, there 's no, 'we discussed on the phone this on such and such date ... '. Every last issue I have presented is fact, it 's recorded, and it 100 % shows BoA in the wrong and on a multitude of issues, some very minor, some most extreme once start talking forging documents and harassing me when were n't even legally servicing my account and the insane part is that was after years of me essentially asking for that document, why did n't they at least re-assign the mortgage servicing going back probably 4 years now when I first brought it up???
Product: Student loan

In 2007, after graduating, I called about having my student loans qualify for Public Service Loan Forgiveness. I was assured I 'd be eligible after 10 years. When I tried to start the process this summer, I was told I had a FFEL loan- the wrong kind to be eligible. I 'm so sick about this. I 'm afraid I have no recourse, just the word of the customer service representative from the phone call 10 years ago. I 've read about incompetent advisors and representatives, not fully understanding the situation at the time. I guess I was, too and just trusted their word. If my payments were n't enough, I would be more than happy to pay the difference, but just to be told " too bad '' by Naviant and that I could reapply for the correct type of loan is heartbreaking. If I paid 10 more years with the correct Federal loan, I 'd have them paid off before I 'd be eligible. Am I just out of options? Thanks for your help.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I paid off the loan on XXXX, 2023. I received a letter on XX/XX/XXXX saying " Also enclosed is your title and contract documentation that we had on file for your loan. '' the only thing the letter has enclosed is a Lien Satisfied letter, and a two-paged list of various business names that Westlake Financial says they have rights to service, secure or release the interest on vehicles with. 
When I called them they told me I have to go to DMV and pay for a title. I told them, no... you are supposed to provide me the title after the loan is paid off. She said the 'title is verified ' and I could not understand her words when I asked what she meant. She was clear about telling me that I would need to go to DMV and show them the lien satisfaction letter and then pay for a title. 

It's my understanding and previous experience with every auto loan I've ever had, that once the vehicle is paid off the financial institute that held the loan provides the title to me. I told her I believe they are required to provide the title and she kept repeating that the title has been " verified '' I gave up and told her I would file a complaint and force them to provide the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information reappears.
Product: Debt collection

I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.
Product: Payday loan, title loan, or personal loan

OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX  Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.
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I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # COMEN XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.