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

i move from XXXX XXXX texas to XXXX XXXX nv and fil out for a apartment an was denied do to a collection from XXXX. XXXX & XXXX for XXXX dollars for a gas bill i never had this is inaccurat infomation an need XXXX be remove off my credit report immediately
Product: Debt or credit management

Experian has violated FCRA, TILA & other lending laws such as the FDCPA, claiming that I need an " upgraded subscription '' to produce up to date credit report results, by paying for a premium subscription through the past year and a half, charging my XXXX XXXX, my XXXX XXXX & now a seperate card for a " trial ''
Product: Debt collection

I received online notification from all three credit bureaus on that CENTRAL PORTFOLIO CONTROL place a Collection account on my credit report in the totals of {$4200.00}. I do not have an account or agreement with CENTRAL PORTFOLIO CONTROL. CENTRAL PORTFOLIO CONTROL violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

XXXX XXXX XXXX IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.
Product: Credit card or prepaid card

Wells Fargo offered a promotional rate of 3 % per year and increased it for a late payment which was totally by mistake in billing.
Product: Debt collection

Received a call i believe from Midland credit. Not sure as person in past saying they are New York attorney very rude about a XXXX account. I offered to pay XXXX each month was advised no thry will only accept XXXX a month which i did not have and told them. Received calls saying there eould be a warrant served at my job. If it did not pay full amount and they did not advise what amount. Another call message they will serve all my adresses and garnish my wages. Then today advised XXXX advised they taking me to court. Service all adresses and my job where i am not as i am working home due to illness. Im not sure who this creditor is. Could be XXXX not sure as creditor never mentioned. I have not received and other communication. I need help!
Product: Checking or savings account

I have not received my direct deposit from my job. I am a mom of XXXX kids with XXXX in my account and capital one still havent gave me a date. They told me Thursday morning Friday evening still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$9200.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX{$440.00} XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX.  I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to XXXX.
Product: Credit reporting

Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

I need this account corrected as soon as possible : XXXX XXXX XXXX Balance : {$0.00} I hope this disputed account is updated.
Product: Consumer Loan

I have an auto loan with USAA. The funds are electronically transferred from my account with XXXX to USAA. This was done for the last required payment on XX/XX/2017. I received a letter in the mail from USAA on XX/XX/2017. I immediately checked with XXXX and reviewed my statements which showed the car payment had come out of my account and been transferred to USAA. I called USAA and they checked and it had not been posted to any of my other accounts. They requested XXXX fax them a copy of my statement showing the deduction from my account and the transfer form. XXXX did that the same evening, XX/XX/XXXX. I was told initially it would take XXXX business days to rectify the situation. It is now XXXX, XXXX days later and no resolution. I just got my email statement showing no resolution and that a late charge has been applied. I have had XXXX auto loans with USAA and never missed a payment. I also have a credit card and have never missed a payment. This is an in-house problem for USAA. My car payment should have been immediately credited to my account based on documentation XXXX provided, while USAA straightened out its own internal mess. I will not get an auto loan with them again based on this experience.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Mortgage

The lender has been giving me the run around. They had that my home sold for over 3 weeks and I could not get them to review my loan modification packet. 

When I finally addressed it to them they said they had no record of it. Well they have all the recorded phone calls where my counselor called them and they told him that my home had sold. 

They keep playing games and now they have a placed another sale date on my home!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau. The consumer is filing a respectful complaint concerning Chase Bank. There are numerous complaints that are being addressed in the complaint. The consumer was initially told incorrectly concerning overdraft protection when the first account was open. This had resulted to the first account being closed. The consumer was told, The bank allows up to three overdrafts. This is incorrect ; the consumer was notified that Chase Bank had attempted to contact him. However, the Caller ID had never identified the caller. These are examples of what had taken place in the account. The most concerning is as the consumer was led to believe that he had 60 days to refill the account back to positive prior to closure. Currently, the consumer is attempting to pay the consumer. However, miscommunication had led to the consumer preventing to do this.
Product: Student loan

I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX.  They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services.
Product: Debt collection

Recieved in mail XX/XX/2024. Debt collector " Midland Credit Management " Original Creditor " XXXX XXXX XXXX XXXX XXXXXXXX '' Balance due XXXX XXXX I called and made a fraud claim, card was issued in another state. The bank and the state the card was issued to are no where near where I live.
Product: Credit card or prepaid card

I contacted XXXX about a relocation estimate. They were among several moving companies I contacted for cost and other details about my move from XXXX XXXX, MA to XXXX, OR. I did not solicit their services, but made the mistake of providing them my Capital One credit card details. 

I never contracted with XXXX XXXX XXXXXXXX. Instead I contracted with XXXX. They are now managing relocation of my household. 

I originally called Capital One to dispute I found on my mobile app when I found it. That was in middle XX/XX/XXXX. I thought the matter was taken care of ; the dispute had been remediated. Not so, since the bill again emerged onto my account on XX/XX/XXXX. I again called Capital One to inform them I was being billed for a moving service that was never rendered me. That seemed not to matter with the individual in their dispute center with whom I spoke today ( XX/XX/XXXX ). 

Long story, short, I am being charged for a {$1000.00} invoice for a service I never received, which I believe breaches the integrity of the customer/merchant relationship, in which Capital One is duplicitous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.
Product: Student loan

All of my loans were with XXXX XXXX throughout my XXXX  school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX  school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX  from XXXX  school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX   from XXXX  school. The XXXX  was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX  ( XX/XX/XXXX - picture of XXXX ticket also attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Checking or savings account

When I made payments regarding my account, the money was never taken out in time which caused me to have a overdraft, and then I had to pay an overdraft fee in hundreds of dollars. I would call the bank an complaint they would credit some but not all. I eventually open another account somewhere where elses. I keep this account open but not as my main account
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found multiple errors on one of my accounts payment history. The report shows two late payments, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information. I'd like to point out that it's not possible to go from paid on time to 60 days late without a prior progression.I 've attached a copy of my credit report to illustrate the incorrect information, along with the specific dates : XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The account number is XXXX XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX. I'm requesting that you DELETE this account off of my report. I've given two chances to investigate, and it still contains errors. Please delete it immediately .Thank you for addressing this issue promptly.
Product: Mortgage

I am please begin for help after these banks have vacillated so much that I have incurred tons of fees on top of my mortgage. Not only have I incurred extra expense but I have provided various times loan modification package to no success. I need to maintain my home for I have been a single parent for many years. My XXXX daughters and my grandchildren live with me. They contribute towards the home expenses. 

This home has giving me problems from the moment I purchased my home in XXXX.. I was given an adjustable mortgage with no explanation. The only explanation I received was that If I did not close the deal I will lose my down payment. I had absolutely no knowledge as to how this program worked. As a single parent all I wanted was a safe home for my girls for XXXX of them was XXXX coming from school. However, it was quite strange to me that my attorney at the time was discussing how unfair this program was and how I could not cancel the closing at the time for I had would lost my down payment. I realized after investigating that this origination was and is what they call PREDATORY LENDING. I do understand that predatory lending is a practice that imposes unfair or abusive loans terms for a borrower. It is also a practice that convinces borrower to accept unfair terms trough deceptive, unscrupulous actions. 
Please understand that I had originally defaulted do to loss of my employment. This was do to circumstances beyond my control.. I am now employed full time and my XXXX daughters also are contributing to the home. I just provided a week in a half ago another package. The sale day for my home is XXXX XXXX. Please I need to keep my home. .I have hired an attorney and I understand that predatory lending is a serious matter. 
Your quick response will be appreciated.