23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Bank account or service

On XXXX/XXXX/XXXX I noticed a debt on my credit report from First Bank XXXX. I proceeded to call First Bank and they informed me it was for a checking account that I had a year ago? I never opened a Checking account with First Bank a year ago, my credit report states it was opened in XXXX. I then asked why I owed so much and they informed me it was due to fees and interest. I informed them i never agreed to these fees and interest, or never signed anything agreeing to those costs. I then asked them if we could settle the loan and they informed me they do n't settle anything outside of 60 days of the debt being charged off. I feel I 'm being treated unfair and discriminated against. The reps I spoke to informed me that they reached out to me 60 days after and were n't successful in getting me to pay. I never received XXXX letter or call in regards to this debt. I 've also taken note that there 's public record proving First Bank has settled other debts with other consumers pass the 60 day mark and they informed me they never have and never will. They sell of debt that goes to third party vendors who do it all the time. The branch i discussed this with refused to acknowledge this and refused to provide me proofs where I signed, and acknowledged the fees that came with this Checking account. These type of practices should n't, and cant take place with. I feel because I 'm XXXX they 're treating me as if i 'm note educated and have no clue what I 'm talking about. I again would like them to produce documentation that I singed, and agreed to these fees that came with the checking account along with proof that they 've never, ever, accepted a Settlement on any post charge off accounts that exceeded 60 days.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 602 a. right to privacy
Product: Student loan

I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.
Product: Mortgage

Around XX/XX/XXXX, I applied for a HELOC with Union Bank. They told me that they felt my house would appraise for the amount I requested and that it should close within 30 days. 

At the same time, I applied for the same HELOC with another lender to see which institution could provide better terms. 

Union Bank 's process was difficult and there were long wait times between communication points. The person that I was assigned to said she didn't receive voicemails and emails that I and her co-workers sent her. 

The appraisal that Union Bank ordered came in and it was not sufficient for the amount we needed. The appraisal from the other lender came in much higher and that lender was able to help us with the amount we needed. The other lender asked us to provide written confirmation of cancellation. I requested this with 3 people at Union Bank and did not receive it.
Product: Mortgage

My mortgage company is going to charge me for last years homeowners insurance. When going to renew homeowners insurance for this coming year, the mortgage company found that renewal was not an option. Renewal was not an option because I have not been insured for the last year. This lapse in insurance occurred due to escrow paying my homeowners insurance company 13 business days late. I have an email showing that escrow paid the homeowners insurance. On that email it says the date that next years payment will be made, which is the due date of the homeowners insurance. To me this reflects that they new when the insurance was due and that they were late. I have no notice to show I was canceled by my homeowners insurance. My escrow account shows the cost of the insurance deducted in XXXX and then in XXXX there is a deposit into the escrow account for the identical amount... the reimbursement. A year later, we are both realizing that I have been uninsured. Thankfully nothing happened. And now, my mortgage company is going to charge me for insurance to cover last year. How do I proceed in stopping this charge from occuring?
Product: Debt collection

On XX/XX/2022 I told XXXX XXXXXXXX XXXX  that the debt a collection agency named XXXX XXXX for {$840.00} was not my debt, and that I was a victim of ID theft. They said they would close my account and send it for collection. 

Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX collection agency : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX on a 3 years lease in XX/XX/XXXX from XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX TX. At the time of signing the lease, The Representative named XXXX XXXX pushed us to buy XXXX  ( XXXX XXXX XXXX ) along with the monthly lease payments, adding an additional $ XXXX  monthly into the lease payments. I was already reluctant to purchase the XXXX  so two months later I went back to the dealership and asked them to cancel the XXXX  and adjust my lease payment so I can pay {$27.00} less every month. They told me we can not change the payment plan but you will be able to get this money back at the end of your lease. I asked them for a receipt or document as a proof that I asked to cancel the Protection plan, So they made me sign a paper, when I asked for a copy of that document I signed, they said No, we can not give you a copy, I insisted and they still wouldn't give me a copy. Then I said I am going to take a picture of this document if you don't give me a copy, and I took a picture. I have that picture and I am attaching it to the complain. 
Now the lease ended in XX/XX/XXXX and I went to the dealership and had the vehicle financed in my name. At that time I asked them to help with the refund of that money and the sales person said he will get back with me on that. Later on I called him and texted him, he returned the text saying he can not help me with that and I have to talk to a manager. since after that I tried several times to reach and talk to someone at the dealership to resolve this matter for me and pay the money I have paid monthly along with the lease payments for 3 years. Nobody responds to my messages and phone calls. I still have the picture of that document saved in my phone.
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan from cashmax About $ XXXX. 
I was to repay about {$1100.00}. 
3 mo in a row I paid {$290.00}, I thought my payments were to be {$210.00}. 
This only held the loan and none of it went toward paying the loan. 
On the 4th month I surrendered my vehicle. They made me sign that I would pay, whatever the balance was after my car was sold at auction. My vehicle was in good working condition. I asked for a receipt, my total to pay off was {$1100.00}. They did not give me a receipt, but mailed a statement by certified mail later. They called after my car sold and said I owed $ XXXX. i asked if my car only sold for a few dollars. They said i owed $ XXXX, and now that they sold my car, I would now owe them $ XXXX As I have paid almost {$900.00} and given them the title and XXXX, I think they have received enough from me. As I only borrowed less than {$400.00}. And paid each month on time. Their exorbitant expectations are a bit much for the borrowers. Their practices are less than fair and detrimental to the community.
Product: Debt collection

Avant Continous calls from different phone numbers all hours of the day {$6000.00} balance??? 
Please remove from my credit reports
Product: Credit card

I received a credit card from Bank of America in XXXX. 
I was charged for interest fees in XXXX and XXXX because of a payment that did not go through because of their system and not in my fault. I set up autopay from one of my other checking accounts and that was cancelled, not by me. When that didnt go through, i hadnt noticed and did not receive any notification from them that there is a problem. When i noticed, i called to pay the balance immediately and requested for a refund of the fees. My request was denied by them. On that call, i requested the banker to add an autopay from my account so it doesnt happen again. Later that month, after i paid my entire bill, my account was charged with not one but two payments of approximately the same balance i had already paid. Meaning this time two autopay methods were in play and charged an entire statement amount which I had already paid. I called to request the refund and was assisted but the money hasnt come back to my account yet. In the meantime, they are enjoying interest on my funds and i am losing that interest not to mention the fact that I can not use those funds for other purposes. In addition, they charged my account for amounts that i do not owe them so that is a false charge. I demand to receive my funds back immediately and a compensation added to it. In addition, i request to receive the interest fees that were charged because of their fault and not mine!
Product: Credit reporting or other personal consumer reports

Account # XXXX is damaging my credit worthiness due to lack of missing information. This account has no original owner attached, nor does it have the terms of the contract, date closed, and other important information! This is a violation of the ( FCRA ) and consider unverified, and inaccurate reporting! Please delete this item immediately ( XXXX XXXX XXXX  ) per federal law!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Date of Charge Off : XX/XX/year> Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

I received a notice that my mortgage note and the servicing has been transferred to a new company. The notice was received on XX/XX/2019 and post marked on XX/XX/2019. This is not sufficient time according to XXXX. The company that has failed compliance is New American Funding.
Product: Checking or savings account

I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for the following accounts to be removed from my credit report. Accounts : XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX.