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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, Tx XXXX, XXXX XXXX, XXXX Tx XXXX, XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the XXXX-XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls collection account was paid in full for less than the full balance on XX/XX/2020. 
Creditor agreed that once debt was settled the tradeline will be removed from my credit report. The account as of today is still showing on all three credit bureaus as a charge off and shows the account status as closed an paid for less than the amount owed. Which was not the verbal agreement that was made with the collector. Kohls has failed to respond to my letters sent to XXXX XXXX XXXX XXXX The bureaus and Kohls receive two letters a month requesting to update my file and have failed to respond to my request within the 30 day grace period.
Product: Credit reporting or other personal consumer reports

ONEMAIN FINANCIAL Have No acknowledgment of it.. Is saying it will post it on XX/XX/XXXX XXXX
Product: Debt collection

I received correspondence from a debt collection company named XXXX XXXX stating that they were trying to collect money from an installment loan that was taken out with a company named XXXX XXXX. This loan was fraudulent because apparently someone took out this loan falsely using my personal information. I have submitted my police report both to Midwest Fidelity and XXXX XXXX. This fraudulent action was taken out in XX/XX/2019. The amount of the loan {$3700.00}
Product: Debt collection

The medical debt was paid by my XXXX XXXX last year. 
They keep trying to get more money. Its a debt that was paid last year. I called the office on XXXX XXXX 2016 they had wrong dates for service, I called my Insurance Customer service, they called the debt collection office spoke to a preson, because they never filled a claim for service to my health insurance company. 
said they had never mail any claim for the service on the days they on the collection letter. She told them to submit the claim to there office. They called me today asking for my address and date of birth, my insurance company gave them my Imformation on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on m y credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. 

According to 15 USC 1681, I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

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
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1635 No Validation of Debt No 1099C Validation
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 Account : XXXXXXXX XXXX # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX 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, 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: Debt collection

Credit Collection Services in XXXX XXXX  did NOT proactively represent the outstanding bill of {$15.00} and sent Demand Letter from a debt collection agency. There was no communication from when the original XXXX $ was considered due in XX/XX/XXXX date of service to XX/XX/XXXX when the amount was classified as delinquent and debt collection process started. A lengthy conference call on XX/XX/XXXX did NOT provide any clarification on the missing communication from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two old collection accounts with portfolio recovery Associates both of them are showing up as OPEN on my XXXX report but both accounts are paid in Full and should be closed. last report was pulled XX/XX/XXXX have disputed it on XX/XX/XXXX they came back as valid Both accounts are listing Portfolio Recovery Associates as a Factoring company they are not. 

One of the Accounts was settled but the remaining balance of XXXX shows up on my credit report and it should show XXXX balance and closed status. 

I keep getting diffent answers everytime i call They refuse to connect me to a supervisor just diffrent agents that tell me something diffrent everytime. 

I have emailed excutive staff they will not respond.
Product: Student loan

With the PSLF special waiver I reached the XXXX qualifying payments required for loan forgiveness in XXXX. I consolidated my loans under the special waiver in XX/XX/XXXX. After the consolidation was complete, my payment history from XXXX XXXX XXXX disappeared. I have a detailed payment tracker from XXXX from XXXX stating I was in forbearance during that time. My loans transferred from XXXX to Mohela XX/XX/XXXX. I called Studentaid.gov ombudsman to discuss the missing history and I was told that my loan servicer has to request my loan history from the department of education. Mohela is not taking any customer service calls. I am unable to email or message them electronically either. The complete lack of information and ability to reach customer service is unacceptable. With the waiver expiring XX/XX/XXXX many are in the dark regarding their loan status, eligible payments etc.
Product: Debt collection

{$70000.00} is on my credit report from the Adjustment Company in XXXX, WI. I paid some smaller healthcare bills to them before and believe they were also fraudulent. The current issue is for {$70000.00} from XXXX last XXXX. The actual bill is {$2600.00} after insurance. It should be noted some nefarious old acquaintances said they worked for this company back 2003, and would use it against me also. I believe all should be indicted under RICO. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as well. I would like to report this as Fraud, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon. 

Regards, XXXX XXXX XXXX XXXX mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took A title loan out around XX/XX/XXXX to pay for school. When I took out this loan I was encourage to get the max and told that after paying I would be credited for some of the principle and most will go to interest. The loan was around XXXX and till this date I have paid OVER XXXX and no money has been credited to the principle of this loan. My car is only worth XXXX and it has transmission issues now so that lowers the XXXX XXXX value. I bought this XXXX XXXX XXXX ( with now XXXX miles ) a year old and it only cost me XXXX. I have been homeless and had to live in my car a couple of times because I couldn't pay all of my rent and made the choice to pay this loan. I have reached out to corporate twice begging for help no one responded. One time a agent called me and went off on me screaming about me being one day late and said she doesn't play and she will send someone to collect my car so I was pressured to use some of my rent money to pay, which resulted in me getting behind and getting evicted.. I was given no options for help after I asked. My car was repossessed sometime this year and I took all of my money to get it back. Nothing was credited to the loan and that was around XXXX. I then got behind on my rent again and was evicted again. I spoke with a Title Max agent that called me for collection and I told them the amount that I had paid and they couldn't believe that I was never given a settlement amount and that nothing was credited to the loan after paying so much. I would have never taken this loan out If I would have known that I would pay over XXXX in fees and payments and still owe. I was never told that nothing i paid wouldn't be applied to the principle. I thought it was a payment plan. It was not until this year that someone broke it down. I have done all I can do and I need my car to get to work. I would like to come up with a plan to keep my car. I feel like when signing the loan in XXXX the agent wasn't truthful and I would have never taken this amount out. I have paid like 6 times the amount that I borrowed and still owe. I'm currently overdue and trying to come up with the money to pay. I'm so stressed out because I don't know If my car will still be outside. I was deceived and pressured to take this amount out. The terms where not fully explained to me when I was signing for the loan. I'm taking my money for bills to pay another payment when I get paid. I just want this nightmare to be over!! My car needs fixing at this point and I cant do that and pay my loan. Sometimes I get stuck at work because I'm able to always back up. I just really come up with a solution. The current manager is the only one who has broken down how these payments work but he was not there when I took the loan out. All agents need to be truthful ....
Product: Vehicle loan or lease

On XXXX XXXX, 2023 my Ally auto payment went 30-days past due. The next due date was XXXX XXXX, 2023 in their payment app ( XXXX ). I made the payment in full ( {$1700.00} ) including late charges, on XXXX XXXX, 2023 via their phone system. Theyve reported the payment 60-days past due, although all contact through app and text shows a due date of XX/XX/2023 ( 30-days from XX/XX/2023 payment date ). 

When contacted they said the payment doesnt need to be 60-days past due and they can mark it on the XXXX. I requested information and they were reluctant to provide, but said they would mail something between 10 business days. Looking through the contractual terms of the loan, it says clearly its a 30-days from due date reporting system. This means my payment would be marked 60-days past due on the 58th day, with a payment deducted on the 59th day. 

Reading through the federal law of the Fair Credit Reporting Act, it states A late payment can not be reported to the credit bureaus until it is at least 30 days past due. An overlooked bull wont hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 

Any assistance will be appreciated and I would like to engage the complaint process.
Product: Debt collection

In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXXt/Renew Financial stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXXRenew Financial to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX/Renew Financial account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXXRenewal about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact Renew Financial. 

The phone number at the Renew Financial office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, XXXX. 

I have also attempted to contact Renew/XXXX XXXX via email and through the form on the Renew/XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.
Product: Checking or savings account

Chase Bank stole about {$1200.00} from me from my mutual fund, locked me out of my account. I have never been late with a payment and this is simply stealing.
Product: Debt collection

In XXXX I partially signed a lease for an apartment complex in XXXX, North Carolina. The lease had to be signed by a legal guardian, as I was only XXXX at the time and did not have the ability to financially cover the apartment. The apartment layout and number that I originally signed for was no longer available, so they wrote up a new agreement for a new apartment with a new floor plan, room number, and roommates. Both me, and my legal guardian, never signed the lease but they sent it to collections. The XXXX XXXX  XXXX has now been bought out by new owners and they no longer have my records on file there. I contacted the collection agency and they sent me what they had on file. All that they have on file for me is documentation that I electronically signed with my initials, and they have someone else 's name and signature on the front of the agreement. The only signature they have on this document is a person named XXXX XXXX. There are no legal signatures from neither me, or my legal guardian. I have tried to get this item disputed several times though XXXX, XXXX and XXXX. The most recent dispute was in XXXX of XXXX. Both XXXX  and XXXX  have reported that this information is correct. However, I am not sure how this is accurate when the only signature they have on file is of a different individual. When I contacted XXXX by phone, the person on the phone explained that there were two individuals on the lease, both myself and XXXX XXXX, and that he would have to go over it and get back to me within a week. This collection is ruining my credit and I really don't feel that it is just in any way. It is delaying the process of me being able to buy a house and it is very frustrating. The collection agency that it is reported under is Fair Collections & Outsourcing. It seems very sketchy that someone else 's name and signature is the only signature on my lease agreement. Below is the photo of the document that the collection agency sent me with the incorrect name and signatures. There are several other documents, but none with signatures from anyone else. Thank you so much for your help.
Product: Money transfer, virtual currency, or money service

We used the Square , Inc service to receive credit card payments at a craft fair. After using it they deactivated our accound and have held our funds with no expectation of release. We asked why they deactivated our account and was told they wouldn't release that information.
Product: Checking or savings account

On XX/XX/2024 I was contacted by XXXX from the internal review team. To talk about my account I wasnt able to answer so left voicemails. We was able to communicate on XX/XX/2024 about my account restrictions. I informed him of the reasoning why my check was returned was do to the information from a SoFi agent. During the conversation with XXXX I was informed by XXXX to clear up the account he would place a restriction on there in order to deposit the funds to clear the negative balance. After the balance clear. The restriction would be lifted. I had direct deposit on XX/XX/2024. I later called to have the restriction lifted like instructed. I was informed that it would not be done and I can not recieved my funds from the account. I asked agent XXXX  among others they told me that no note was placed on the account. By XXXX on XX/XX/2024 cause of the instructions I deposited my entire income. This result in major loses for me cause I can not lose my funds. promised my account would be fully active.
Product: Mortgage

Nationstar and Mr cooper 's are not defendants in my civil complaint. They will not allow me to make my mortgage payment through an automated system by phone. This is the method of payment I prefer so there is no question to constructive receipt date. In the past, payments mailed and received within 30 days of the due date were reported 60 days late.
Product: Money transfer, virtual currency, or money service

I have been having difficulty accessing my account an the company has not been very helpful on helping me gain access to the account
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

Rushcard has not direct deposited my payroll deposit for two weeks now, causing my bills not paid on time, insufficient funds fees and not too mention the emotional stress it is causing, no money is no gas for my car, no car no job which I 'm on the verged of being fired and there is noting I can do about it until XXXX XXXX has fixed the problems, he also should be responsible to pay for fees and stop payments that has resulted from this error.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX  that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX are not complete and accurate. 
open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate | XXXX XXXX on close on XX/XX/XXXX CLOSE ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show dept of nelnet showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

XXXX Account number:XXXX XXXX Acoount number:XXXX XXXX Account number:XXXX