23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX XXXX XXXX XXXX ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were XXXX ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before Short term XXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our XXXX card got over looked. 

XXXX called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance zero. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for XXXX errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this XXXX card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from XXXX that the account might be late. If you need anymore information please feel free to call XXXX or email my back at XXXX XXXX
Product: Student loan

I am working on fixing/resolving my credit. I have XXXX student loan accounts where I am looking to resolve the debt. Upon contacting the lender, to work out a resolution on XXXX XXXX, 2016, I was told the debt was wrote as a " bad debt '' to the IRS, and there was n't a rehabilitation program, unless lump sum amounts were paid.
Product: Payday loan, title loan, or personal loan

I have been waiting for a permanent loan modification due to my unemployment and housing situation. One Main Manager XXXX XXXX in XXXX, has been working on getting this modification for about 3 months. This took a long time to get an answer and XXXX promised me that no late mark would go onto my credit files since it was not my fault this modification was taking so long, He stated there have been a lot of modification requests from customers and One Main is backed up. He had been going back and forth trying to get it approved. XXXX did not instruct me to make a payment ( after the two deferred payments I made in XXXX and XXXX XXXX asking me to wait until after the approval of the loan modification. 
I expressed my concern with him about my credit rating via phone calls and emails ( see attached emails ). He stated on numerous times I would not receive late marks on my credit. I believed and trusted him! I have paid my loan on time every month and needed help at this time due to the pandemic. 
Unfortunately, my credit files have been erroneously marked as late which has already negatively affected my ability to get a place, etc. My credit rating has fallen many points. I have been denied due to One Main company putting on these late payment reports. 
Even though XXXX payment was made within the 10-day grace period through modification, this company has marked on my credit file that I was late and owe them a balance of {$1.00} This information is inaccurate as the account is paid current as of XX/XX/XXXX! I have disputed these late marks with all three credit bureaus and want these late marks removed from my credit bureaus ASAP! It was not my fault the modification took so long to be completed! 
This company reported late payments to my credit when they promised not to. I have never been late, and I do not want my credit ruined because of this company taking over 3 months to come to a decision on this loan modification! To reiterate, I was promised my credit would not suffer. 
I have enclosed emails, agency complaints, XXXX payment receipt and a copy of the loan modification for this dispute.
Product: Debt collection

This company did not do what they said that they would do. They have stated that they would honor my request to cease all communications and yet I had found that they are still attempting to communicate with me which completely violates the fair debt collection practices act. Under chapter 41 of title 15, the fair debt collection practices act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium that this company is using to communicate with me and I had thought that this company " Obeyed '' federal and state laws and yet they had over looked the first XXXX subchapters? I have reason to believe that this company is purposely doing this for financial gain. It is clear that they do not care about a consumer 's right to privacy so I do intend to litigate if this matter does not get solved immediately.
Product: Vehicle loan or lease

I am submitting a formal dispute regarding the inaccurate reporting of an account by Nissan Motor Acceptance Corp. on my credit report. The account in question ( # XXXX ) is listed with a charge-off balance of {$13000.00} and a recent payment of {$6300.00}. However, I have not received sufficient verification proving the accuracy of this information. 

I have contacted Nissan Motor Acceptance Corp. and requested the following documentation to validate this debt : 1. A signed agreement or contract proving my obligation to this debt.

2. A full payment history, including proof of any payments made.

3. Documentation verifying their legal authority to report and collect on this debt.

4. Proof supporting the reported recent payment of {$6300.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

While doing lots of investigating about a lot of inaccurate things on my credit report because I currently have no negative or bad accounts. But I couldnt figure out why I keep getting denied credit and the reasons being, I have too many unpaid accounts, I have charge off and late payments. Confused because I have ZERO! I look over my credit report and I notice accounts that should not be on the report. While still investigating I an subscribed to many credit report programs. As I carefully look through them I discover Experian, XXXX XXXX and XXXX have information reporting differently, sharing and supplying derogatory accounts, charge off accounts, chapter XXXX court ordered discharged accounts and discharged debts that only give the remark as bankruptcy. 

I will open another case with those accounts separately. But this one particular account from XXXX XXXX XXXX XXXX caught my attention. I opened an account with the bank around XXXX ( not real sure ) I was with the bank for years until I filed a bankruptcy and the account was closed around XXXX. And that ended the relationship with that bank. Well unknowingly all these years, 13 years later this bank has been fraudulently reporting derogatory and charge off reports. The bank has it I opened an account in XXXX, I never ever went back to the bank! NEVER! They are even going so far as to fraudulently report I made a last payment! They have been doing this for a very very long time. There is absolutely no way they should be allowed to do this to ANYONE! That account has been closed for many many years well exceeding the 7 years even if it werent in a bankruptcy. Its a lot of fraud going on and a lot of lying, re-aging decade old accounts and even updating account information. I have not had any kind of contact with this bank in so many years. Not a branch visit, no deposits nothing. There will be legal action and I am seeking damages for fraudulently reporting. When the debt is well over the legal statutes of limitations for collecting or reporting! They couldnt show one single transaction from myself at no time in the past probably 10 years! I want them exposed and I want justice for all my credit denial letters!
Product: Mortgage

Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXXXXXX XXXX XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Product: Debt or credit management

XXXX. The inquiry was not authorized XXXX XXXX  Account : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX -account numberXXXX XXXX XXXX -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXX- account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX- XXXX Unknown account name- account number XXXX XXXX XXXX account number XXXX XXXX- account number XXXX
Product: Credit reporting or other personal consumer reports

Request to remove inaccurate information from my credit report. 
The name appearing on my credit report is incorrect, my only and correct name is XXXX XXXX as shown on my identifications. Please remove this incorrect name XXXX XXXX and all the incorrect information associated with this name. 
My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX shown on my identifications. Please remove these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My date of birth of XX/XX/XXXX, please remove this incorrect date of birth XXXX from my credit report. 
These accounts are not associated with me, it is a mixed up of credit files with a similar name. 
Please remove them from my credit report. 
XXXX XXXX Account number : XXXX Balance : {$67.00} XXXX  Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Status : Closed Please see my identifications in the attachment as a proof identity. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I have been disputing the account with Capital Accounts for some time now, as it is an old debt and is incorrectly reported on my credit report and has affected my credit rating in a negative way. I have requested more than 7 times, documents reflecting my original signature for each procedure performed, agreeing to the procedure and the costs, as I do not agree with amount owed. The company has not supplied me with the documents I requested, which I am entitled to by law, and has failed to validate the debt. As a result I have sent a Cease and Resist letter to Capital Accounts refraining them from further collection activity although this request was ignored like all previous requests. Capital Accounts has failed to supply me with the necessary documents to validate the debt, and at the same time has also refused to remove the account from my credit report which has only caused further damage to my credit rating.
Product: Student loan

I enrolled and attended XXXX semester of on-line schooling through XXXX to receive my XXXX. I currently owe over {$3300.00} in school loan debt for services that I did not receive, but also I NEVER received my degree! When we started our XXXX semester, I struggled in finance and was falling behind on my assignments. I scheduled a meeting with a teacher at the XXXX XXXX location in XXXX, WI to try and improve my understanding of this course. After four hours of waiting, the teacher still " never '' showed. It was after this experience, combined with the many struggles with unsupported staff that I did not feel I should pay anything more for a failing educational support system. I expressed this to the campus board and to the on-line contact representatives. I wanted to make something of my life and improve my education and status in life ... .instead, I have another outrageous bill with nothing to show for it and felt there was nothing I could do ... .I just want to be heard and to know if there is any hope of filing a Class A Suit against XXXX or become another individual to enroll in the " mentioned '' Class A Suit that is being filed against them.
Product: Credit card or prepaid card

On XX/XX/2021, I wrote to the CEO of XXXX to revise its website to revise the " transactions '' and " statement '' format by showing the balance amount ( at the far right-hand column ) after each transaction ( purchase, refund, and payment ) like all other financial institutions in the United States. 

An employee from Synchrony Bank, which deals with PayPal Credit, called me and said that it is not responsible for the PayPal Credit website, and as such, I should contact XXXX. 

On XX/XX/2021, I sent another email to the President of Synchrony Financial, requesting a statement from XX/XX/2021 with the following information : Transaction Date Store Name/Company Charges Made Refunds Payments made ( by me ) Balance ( on right-hand side ) But I never received any response, nor did I receive a statement which shows the actual purchases, refunds, payments, and balance payable. 

HERE ARE THE PROBLEMS WITH PAYPAL CREDIT : XXXX  Credit does not operate like all other financial institutions, particularly credit card companies in the United States, because of the following : 1 ) PayPal Credit does not have an Account Number for its credit account holders. Instead, an email is used as account ID, unlike all other financial institutions in the United States. 

2 ) Transactions and statements do not show balance amount on each horizontal line ( purchases, refund, payments ). 

Usually, all banks and credit card companies display/show a balance after each transaction ( on the far right-hand column ). But that is not the case with XXXX. 

3 ) XXXX statement does not show : Account Number, Balance amount to be paid. 
Payment Address and toll-free phone to send a check or to make an ACH payment. 

3 ) Payments made to PayPal Credit are shown as " debit '' on the account, e.g. : XXXX. 
Purchases made are also shown as debit, e.g. : " XXXX. '' 4 ) When payments are made from a bank account, XXXX shows it as a debit in its own account, even though the actual payment ( debit ) was made from the account holder 's bank. 

That is, early this year, I made two payments for a single purchase. When I disputed it and asked PayPal Credit why it debited my account at a time when I made the payment for the purchase from my bank account ( XXXX XXXX XXXX XXXX ), XXXX refused to adjust or credit the double payments. 

5 ) Merchants/businesses which use PayPal Credit for payments show " Pay in 4 Installments. '' However, on two different occasions, XXXX debited the whole amount for the transactions, instead of FOUR installments. 

That means PayPal Credit attracts customers by offering them FOUR equal installments and then credit the whole amount on the date of purchase. This is fraudulent practice. 

I strongly believe that this company functions like a fraud company in the United States. 

A PayPal Credit statement and a transaction or activity page are attached herewith for reference, including emails sent to the CEOs of XXXX and Synchrony /XXXX
Product: Checking or savings account

My car was broken into on XX/XX/XXXX, and my phone and multiple cards were stolen. Unfortunately, I couldn't file a police report due to a lack of evidence and no camera footage. The thieves ended up spending {$870.00} on my Wells Fargo card. I contacted Wells Fargo and submitted a dispute claim. However, a couple of months later, I received a letter stating that my claim was denied and the provisional credit would be removed. This is unacceptable. I am not responsible for these charges as I did not make them. According to the FDIC and the FCRA, I should not be held liable for these fraudulent charges. I request that these charges be resolved and removed. Thank you.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some Collections that I did not approve anyone to pull my credit repport
Product: Mortgage

I had spoken to SPS mortgage and filed information online to get refinanced and stop foreclosure, and was turned down, started receiving pandemic unemployment in XX/XX/XXXX and company still stating that foreclosure will be proceeding. XXXX XXXX XXXX, my mother past away XX/XX/XXXX .Leaving property to me XXXX XXXX XXXX XXXX currently in probate because after sending death certificate and all information SPS asked for when she past, the would not respond to me when My dinning room ceiling collapsed, I inquired attorney XXXX XXXX for probate, since my ceiling is not fixed,
Product: Mortgage

XX/XX/XXXX : Phoned in and requested a MIP/PMI refund based on PL XXXX, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act from Wells Fargo. Statute indicates not later than 45 days after the termination or cancellation of PMI/MIP requirements, all unearned PMI/MIP premiums shall be returned to the mortgagor by the Servicer. 
XX/XX/XXXX : Submitted an email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX. XX/XX/XXXX : Received letter indicating that one specific property did not meet PMI/MIP requirements XX/XX/XXXX : Submitted another email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX for the other property. Wells Fargo responded via email on XX/XX/XXXX that request would be reviewed. XX/XX/XXXX : Representative called and told me that I did not make PMI payments under a specific account number thus I did not qualify for reimbursement. XX/XX/XXXX : Submitted another request for that property using the original loan number before I refinanced. XX/XX/XXXX received email indicating Wells Fargo will review request.
Product: Credit card or prepaid card

Hello, I have a Bank of America prepaid card provided to me by EDD XXXX. On XX/XX/XXXX at approximately XXXX I received an email to approve transactions for a company Id never heard of, XXXX XXXX the amounts were for {$99.00} and there were about 30 of them totaling to {$3000.00}. In response to the notification asking if these were valid transactions, I of course said no. Even after my response they went into pending status and on XX/XX/XXXX they were approved and posted to my account. 

I have filed a claim with Bank of America and it has been 10 days and I have not received any sort of credit back for those fraudulent transactions. Each time I call for an update they tell me itll take 90 days to see my money and even then they might not. I do not like the way Bank of America has handled my case as it seems negligent on their part. Thank you.