23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continuously updated a duplicate account with diffrent info each time i disputed it. My last report had two diffrent last payment dates
Product: Credit reporting, credit repair services, or other personal consumer reports

I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
Product: Student loan

The loan ( s ) from XXXX XXXX in XXXX are to be fully discharged due to the fact that both this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off student 's loans. 
Therefore, and with that being said, Mohela has yet to promptly fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings. 

Thank you.
Product: Credit reporting or other personal consumer reports

This creditor XXXX XXXX, EXETER FINANCE LLC, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Mortgage

Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a " XXXX '' instead of an " XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed upgrade account XXXX XXXX XXXX 
Equifax failed to add notice of dispute to my report. Its my understanding that the bureau has 31 days to add the notice of dispute to the report and we are well pass 31 days I have attached a copy of my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late
Product: Money transfer, virtual currency, or money service

I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX  for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to HSBC, is settled immediately. 

On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, but HSBC says that they can not provide such document since this was not a wire but an RTP. I need an official document from the bank confirming that the transaction went through and they insist that they can not provide it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Mortgage

I need to know that why chase Bank ( JP Morgan Chase XXXX has allowed to carry Commercial activity at " XXXX XXXX XXXX XXXX, CA XXXX '' to XXXX XXXX, the owner. 

She is running a commercial institute " XXXX XXXX XXXX XXXX '' at this residential address. They do healing, yoga, and sell commercial merchandize, like reversible Candle, reversible oil, reversible incense, and other healing items at this location. 

The manager of the business is " XXXX XXXX XXXX '' who carries all these commercial activities. 

" XXXX XXXX XXXX '' and " XXXX  XXXX  XXXX XXXX '' were sued and served at this address. ( Please see the proof of service attached ) XXXX XXXX- the owner ( Deed is attached ) knows about it. 

Why Chase Bank ( JP Morgan Chase ) is allowing commercial activity at a residential place?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXXb 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! XXXX XXXX XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting

Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.
Product: Debt collection

I purchased a telephone from XXXX XXXX XXXX. Unbeknownst to me, the phone number assigned to the phone had previously belonged to a XXXX XXXX. I have had the phone number since XX/XX/XXXX. Kohl 's Department store has contacted this number approximately XXXX times regarding an outstanding account. Each time I have responded to their calls by explaining I am NOT XXXX XXXX, and that I would very much appreciate their correcting their records so that this will not happen in the future. I was assured each and every time that KOHLS would escalate the situation and it would be corrected. Today I have again received a call from XXXX, XXXX XXXX XXXX. When I called the phone number provided on the message, it instructed me to call XXXX at XXXX, yet again, have to explain the situation. I was told I should answer the phone and verbally tell them not to call or do not contact me. 

Currently I do have an account with Kohls in good standing, and every time I receive these calls, I have threatened to cancel my card, Kohl 's has done nothing to rectify this situation. I called the Do Not Call Registry this morning and it listed a XX/XX/XXXX inclusion into the Do Not Call list. 

Please help me get this situation resolved once and for all. Thank you very much for your help in this matter.
Product: Payday loan, title loan, or personal loan

Called and informed of stolen phone & identity, says nothing could be done about funds I never received that was stolen from my personal info on my phone.
Product: Debt collection

THIS DEBT IS YEARS OLD AND DISCHARGED IN BANKRUPTCY YEARS AGO. XXXX THEY SAY I OWE IS FRAUD AND UNFAIR PRACTICE. XXXX XXXX   IS CROOKED ...
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint regarding inaccuracies in my credit report effectively. 

These accounts include discrepancies that I believe do not reflect accurate, legal, complete, or current information. These inaccuracies may be unfairly harming my credit score, which is deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using XXXX XXXX I found a card has shown up on my equifax credit report at the start of the year that wasnt mine. Card says its XXXX card service and shows a ballance over {$40000.00}. Card was opened 12 years ago ( i would have been 12 ... ) but just showed up on my account. Tried to contact equifax to dispute but got put through to an XXXX call center that would not email me any information and requested I fax them my drivers license and SS card. I dont have a fax and do not believe I need to fax out vital personal information to XXXX to dispute fraud in their credit teporting system. Equifax is making it difficult to dispute fraudulent items that im only seeing in their credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX the collection agency associated with the account was called to make arrangements for payment. The account was paid at its entirety on XX/XX/year> in the amount of. Company withdrew funds from my account and listed that the installment was paid in full.
Product: Vehicle loan or lease

State Farm Bank , F.S.B . repossessed a XXXX XXXX XXXX in my name in XX/XX/XXXX from a residence in XXXX, TX. The car was sold at auction sometime in late XXXX. 

State Farm Bank , F.S.B . has placed a {$5300.00} collection account on my credit report for the deficiency balance. 

State Farm Bank , F.S.B . failed to provide notice of timely ( within 10 days of the repossession ) intent to sell, per Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614. 

State Farm Bank , F.S.B . also failed to provide documentation of the sale price of the vehicle and the amount of the deficiency balance as required by Texas law. 

According to Texas Business & Commercial Code Sect. 9.625, State Farm Bank F.S.B.s failure to comply with Texas state law vehicle repossession statutes entitles me to damages, which I am  prepared to pursue through legal counsel. 

I demand that State Farm Bank , F.S.B . immediately delete this collection from any and all credit reporting bureaus. Failure to comply will result in legal recourse against State Farm Bank , F.S.B . for violating Texas repossession laws.
Product: Credit card or prepaid card

I was informed that I owed {$19.00}, XXXX  on a XXXX XXXX XXXX capital one credit card ( XXXX ) of which I did not apply for. Obviously, someone fraudulently was able to use some of my information to open the account. When I told capital one that I don't have a card ending in XXXX they did an investigation and concluded that the card belongs to me. I challenged their conclusion and they have re-initiated another investigation. I have filed a police report ( XXXX XXXX XXXX, case # : XXXX ), put a freeze on my credit and filed a fraud report with Social Security.
Product: Debt collection

This account was opened this year. I do not nor have I ever applied for a credit line with XXXX  XXXX. Neither do I or have ever resided at the address the card was sent to. This is a case of identity fraud. A dispute was made and in progress with XXXX XXXX. I was under strict counsel not to only open specific credit accounts and XXXX  was not one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  XXXX through bjs account number # XXXX and another account that comenity account number # XXXX where I am charged monthly amount to pay off the payment for my dental bill but I was charged twice over a year ago and have tried to get that money back being an amount around XXXX dollars the bank has refused to refund my money while also continue to call me insisting that I still owe them money when that isn't the case and they refuse to even discuss returning the money they took form me
Product: Debt collection

OnXX/XX/2023 I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt.

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond.

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Product: Consumer Loan

HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.
Product: Credit reporting

Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 

1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
Product: Credit reporting or other personal consumer reports

Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.
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 XXXX 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 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

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX apartments ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XX/XX/XXXX, Experian and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( XXXX  and experian ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.