23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXXXXXX : 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 inaccurate.
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Student loan

I have a student loan with American Education Service. The lender has been increasing my payments each month for the last 8 months. The monthly payment has not been the same each month. Back in XX/XX/XXXX my payment went up from $ XXXX/month to {$270.00} that month. I called and asked why the payment was raise. At that time I was unemployed and asked for the payments to resume back to the {$100.00}, they did. But now the payments went up again to {$130.00}. I have contacted them and asked for a future monthly repayment schedule and all they tell me is that they will send a past payment history. Next year they tell me my monthly payments will be {$400.00} - {$500.00} per month. Why? All I've asked them for is a future payment schedule so I can budget my monthly expenses. They also tell me that there is no loan forgiveness like teachers or people who serve in public services get. I am a retired XXXX/XXXX XXXXXXXX  of a 10 year service. I left the force, relocated to go back to school, but I do not get any forgiveness on my loan. Why? I went back to school for a degree that I have not got use since graduation in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please take immediate action to ensure these accounts are removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX  was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a PayPal related account that they purchased. PayPal was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. XXXX and Experian are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter 7 filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with XXXX has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with XXXX  and Experian were XX/XX/XXXX ; XXXX  has responded and Experian has not. 

I have attached all documentation, as well as the dispute letters.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Outdated Addresses Under FCRA Dear Sir/Madam, I am writing to formally request the removal of outdated addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Upon reviewing my credit report, I have found the following addresses, where I have never lived, and which are outdated and no longer associated with my current residence. 

XXXXXXXX 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 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 These addresses are no longer accurate, as I now reside at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I request that these outdated addresses be removed from my credit report, as maintaining them could result in confusion and inaccuracies in evaluating my creditworthiness. Under the FCRA, I am entitled to have my credit report accurately reflect my current residence. 

To verify my identity and current address, I have enclosed the following : A copy of my government-issued ID. 
A copy of a recent utility bill showing my current address. 

Please delete these outdated addresses from my credit file and provide me with written confirmation once the changes have been made. According to the FCRA, you are required to investigate and correct any inaccurate information within 30 days. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report Incorrec name : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Employer ( XXXX ) : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for 1099 for Charge Off Dear Sir/Madam, I am writing to request a copy of the 1099 form that your company issued in regards to the charge-off on my account. My account was charged off XX/XX/2023, and I am preparing my tax returns for the year. To ensure accurate reporting, I must include the amount of the charge off in my tax returns. 

As your company charged off my account, I recognize that your company must have reported the amount charged off as income to the IRS. Therefore, I would appreciate it if you could provide me with a copy of the 1099 form issued by your company for the period referred to above.

Please send me a copy of the 1099 form at your earliest convenience to the address provided above. Please notify me if there are any fees associated with providing me with this form. If you require any further information from me, please let me know. 

I look forward to your prompt response and resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX
Product: Mortgage

Our mortgage loan has been with U.S Bank Home Mortgage since XX/XX/XXXX. We refinanced in XX/XX/XXXX. Upon the execution of the closing documents, I requested that the late fee be corrected on my mortgage Note to the applicable North Carolina requirement : NC Gen Stat 24-10.1, 24-8 ( a ), 24-9 ( b ) reflecting a loan amount less than {$300000.00} should have a late charge of 4 % ( over 300k would be 5 % ) At the closing U. S Bank stated they were aware of the problem, and were working on a solution. This is an easy fix to their U.S. Bank mortgage origination system.. I closed the transaction on good faith of U.S. Bank stating as soon as they fixed the problem they would notify me and provide proof the late fee % was fixed on my mortgage. 
It has now going on 14 months and no resolution. 
If a late payment after the XXXX of the month was made, U.S. Bank is collecting a 5 % late fee on loans under XXXX, this is over collecting of late fees. How many Borrowers is U.S.Bank collecting inaccurate late fees in the state of North Carolina, including myself. 
This is an unacceptable practice and this needs to be corrected to match the state statute. 
If there are inaccurate late fees collected, we all deserve a refund of inaccurate mortgage late fees. I believe I have had inaccurate late fees collected over the last 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 someone try to fraudulently attain a personal loan in my name from XXXX XXXX institution, They did not get through. However, their actions left an hard inquiry on my XXXX and Equifax credit reports. I tried to rectify the matter XXXX however, was unsuccessful.
Product: Debt collection

I was a victim of identity theft there are multiple things on my credit that I need to get them removed I have to file a police report, In the information is still showing on my credit report. I need to get National Credit System removed from my professional debt, National Credit System, Professional Debt XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.
Product: Debt collection

Found debt on report and never opened account on the day statement and had filed fraud through XXXX XXXX and got no were so now I'm filling complaint with you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion, for violating the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Section 1681s-2 of the United States Code ( U.S.C. ) by allowing XXXX XXXX XXXX XXXX to furnish inaccuracies of an alleged debt to my TransUnion consumer report. Both XXXX and XXXX consumer reporting agencies have honored the cease and desist and refrained from allowing XXXX XXXX XXXX XXXX, from negligently reporting inaccuracies to my consumer reports, and has removed the alleged debt reported by XXXX XXXX XXXX from my consumer reports more than XXXX years ago due to substantial doubts about the accuracy of the alleged debt. However, TransUnion persists in allowing XXXX XXXX XXXX XXXX to erroneously report inaccuracies of this alleged debt to my TransUnion consumer report. 

It is a direct violation of the Fair Credit Reporting Act ( FCRA ) to report a collection to only one consumer reporting agency and not all three according to the United States Code ( U.S.C. ), Title 15, Section 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including requirements for accuracy and completeness of the information provided. I am legally demanding a cease and desist of all illegal collection activity furnished on my TransUnion consumer report and legally demand a permanent removal of the alleged debt from XXXX XXXX XXXX from my TransUnion consumer report.

If TransUnion, fails to comply with the law ( U.S.C. ), Title 15, Section 1681s-2 and allows XXXX XXXX XXXX XXXX XXXX to continue furnish my consumer report with the removal of the alleged by XXXX and XXXX, XXXX would have to assume that TransUnion is doing so with forethought and malice as an attempt to bring harm to me and my financial reputation, which I will file for litigation for actual damages caused, and TransUnion and XXXX XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A , extortion, theft by deception, and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I am also requesting that the CFPB enforce the FCRA impose penalties on TransUnion, once found to be in violation.
Product: Debt collection

I received a letter dated XX/XX/XXXX from ProCollect stating that I owe them {$340.00}. When I called them to find out why, they stated that I owe money from damages related to my having moved out of my prior apartment. I told them that there were no damages, and I never received any notification or evidence of any damages being alleged by anyone until their letter. I left the apartment in the same condition I rented it minus normal wear and tear, so I owe nothing. I emailed them my dispute of the validity of the above-referenced debt on Tue, XX/XX/XXXX, XXXX XXXX.
Product: Credit card or prepaid card

Ive called Bank of America several times over the past 10 years or so about this issue and the core has not been resolved. 

When making a credit card payment, they do not limit the payment to the remaining statement balance. The result is that if Ive received a refund or credit on my credit card during the month, that is not removed from the autopay amount, and my credit card ends up with a negative balance. The overpayment can lead to margin interest being charged at the other brokerage, or worse, an overdraft. 

Because the solution is so incredibly simple from an engineering perspective ( limit credit card payment to remaining statement balance ), Im convinced they are doing this to benefit themselves. I imagine that people are more likely to spend that debit away rather than ask for a transfer of the overpayment back to the account it was paid from. I know this happens frequently since the representatives I speak to know exactly what to do when I describe my problem.
Product: Debt collection

DIAZ & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. XXXX XXXX XXXX XXXX  was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.
Product: Debt collection

A loan of {$630.00} was sent to collections as unpaid from speedycash.com. When I contacted the collection agency AD Astra Recovery Services they advised it was sent to an attorney XXXX XXXX XXXX. I contacted their office and paid the entire debt in full with my credit card on XX/XX/XXXX. XXXX weeks later I received an update on my credit report showing that the balance was now back with Ad Astra and I owed the full balance. I contacted their office in which they confirmed XXXX along with providing them with a receipt showing I paid in full ) they received the payment from the law office on XX/XX/XXXX but proceeded to update my credit report on XX/XX/XXXX showing the balance was still owed??? I asked that it be removed because they did in fact have the full balance however, I was advised that because they received the payment on XX/XX/XXXX it can take their office weeks to update their system XXXX even though they acknowledge their system is currently showing as paid ) and in turn my credit report, which made no sense as they updated the report as owed on XX/XX/XXXX. In essence, even though I have paid in full, and their office has acknowledged they show my account was paid to their office in full on XX/XX/XXXX, they will continue to report my balance as owed IF they ever get around to wanting to fix the fraudulent update to my credit report. As a consumer, I am at a loss and very frustrated that between this many entities I can not get any assistance and their offices continue to tell consumers that even if paid, they have no obligation to accurately report any information. At this point I dont know what consumers could do, other than contacting an attorney and being forced to spend funds there to get recourse. This payday loan was a nightmare and now almost 2 years later I am still dealing with this issue as are XXXX others.
Product: Vehicle loan or lease

XXXX XXXX retracted past payments from PNC car loan. I have a car loan with pnc and XXXX XXXX was making payments for 3 yrs for the use of the vehicle. I had to take her to court to get back the car from her because she didnt want to put the vehicle in her name. The judgement went in my favor and she was angry about the judgment she told her bank to go as far as she can and retract the payments on the car. Now all this happened all in one day I had no warning that this was going on. Im paid up until XXXX at the time. I found out on a credit alert that pnc had charged off the account in one day. I call pnc to find out and they told me that I was charge off on that account and moved to collections I talked with XXXX XXXX chief executive and gave her as much information about what happened she passed it to a repossession department and the want the full amount of the loan or the car will be repossessed. My XXXX XXXX has dropped and I was in the middle of getting a house I felt it was a investigation done on my behalf before charging the account off and letting me know whats going on. No letter no phone call no messages I would like my loan to be put back at good standings and my credit fixed. I proof this was paid to pnc from a pnc branch. I have had conversations with pnc in the past about giving my info out to XXXX XXXX and now she has ruined my credit and my car loan.
Product: Credit card or prepaid card

Hi my problem is not that the company chase doesnt know what to dispute! Rather, they dont want to dispute! 

So I need your help to find out why and who would like to risk the chase brand name and reputation to willfully abuse its customer! 

I am the chosen one on their radar! So it should be fairly straightforward to bring the issue on the table and listen to their side of stories! 

Thank you very much XXXX XXXX XXXX
Product: Checking or savings account

My checking account in Chase had an unauthorized withdrawal of {$2000.00} on XXXX.It was an over state withdrawal since it occurred in Colorado but I lived in Texas and did not travel there. I called Chase 5-6 times and went to a local branch 5 times since no one from chase followed the fraudulent and provided any guidance what I need to do. Everytime I called in to check the status they will tell you they need a new item. So in order to change account number, submit the forgery packet, driver license copy and police report, I went a local branch 5 times. After 13 days waiting, I finally got my {$2000.00} back. But the worst thing is although I changed account number, on XX/XX/, exactly same thing happened again in my chase account. My account was withdrawn another {$1900.00}. Only difference is this time the withdrawal was in New York. I already filed a claim and reported to police, but I was so disappointed that chase did not do anything to improve the security level of my account since they already know I am a victim of identity theft and it is a cross state withdrawal again. Looks no fraud detection model is running in the branches and the fraudulent detection training to the front desk employees is very lacked.
Product: Credit reporting or other personal consumer reports

I have had an ongoing issue with XXXX XXXX, long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet XXXX years XXXX XXXX has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. XXXX XXXX needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If XXXX XXXX wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and XXXX XXXX  chose not to do that. This should no longer be my problem and it should no longer be negatively affecting me.