23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My credit card account was in forbearance. The forbearance period ended XX/XX/2020. My payment was due XX/XX/XXXX. I reached out to the bank and requested another month of forbearance because I began working XX/XX/2020. They asked that I provide an expense worksheet and it was emailed to me on XX/XX/2020. I filled it out and had to request information on how to send it to them. I was told that it could only be faxed. I faxed it in on XX/XX/2020. 

I reached out on Friday, XX/XX/XXXX and they stayed that they would request that a representative from XXXX Assistance should reach out to me within the following week. 

I reached out again on Monday, XX/XX/XXXX and asked to know the status. I was told to wait an additional 2-3 days for someone to reach out to me. I was at work and did receive a phone call. The message provided a phone number and extension number. I called after work but it was unable to get a godmother anyone. I called again on Tuesday, XX/XX/XXXX and finally got a hold of a representative on Wednesday, XX/XX/XXXX. 

The representative expressed that since my payment for XX/XX/XXXX would not be able to be placed in forbearance, I was officially 30 days past due. 

I expressed that their lack of clarity and communication had left my account in a questionable state of being. I asked if there was any way that they could waive the late fees for the XX/XX/XXXX and XX/XX/XXXX payment and they Member Service rep stated that she would waive the late fees but there was nothing that she could do to change the credit reporting of 30 days late on my credit report. 

I have NEVER missed a payment in the last 16.5 years of having credit. I always reach out to my creditors if Im even one day late. I would not leave my accounts abandoned. 

Due to their flagging of my account as 30 days past due, it has created a domino effect on my credit by dropping it 63 points and has then led to other creditors closing my accounts that have always been in great standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

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

There are multiple accounts on my credit report that are not mine I have not applied for these I have not accepted them or signed for this. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is again reporting on XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
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: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, Trans union immediately. 

XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was consignor on a vehicle lease. Ally financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted Ally financial several times to get specifics, ie date received and amount to compare to the Signor on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. Ally financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than Ally.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be added to my report if I have provided explicit authorization, which I have not done for the inquiries listed below. These are fraudulent. 

Please remove these inquiries from my credit report 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 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 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 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 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  These inquiries were made without my knowledge or consent . Under the FCRA, a hard inquiry should only appear on my report when I have expressly authorized the creditor to access my credit information. I have not authorized these inquiries and, therefore, request that you remove them from my credit file. 

Please conduct an investigation into these inquiries and provide written confirmation once the unauthorized inquiries have been removed. I expect a prompt resolution to this matter, as the FCRA requires timely and accurate information to be maintained on my credit report. 

Thank you for your prompt attention to this issue. 

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

I am not sure what happened to cause XXXX XXXX XXXX XXXX to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Student loan

Navient egregiously over charges on interest rates, particularly for institutions that are overseas. They are also confusing and misleading with information.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party XXXX XXXX XXXX XXXXXXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates XXXX XXXX XXXX claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. XXXX XXXX XXXX to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX XXXX  failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX XXXX  actions in attempting to collect on the note are in violation of my rights under the UCC XXXX as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXXXXXX XXXX XXXX  ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Mortgage

I have a mortgage throug h QuickenLoans. I got in  touch wit h   XXXX    mortga ge representatives including representatives which were assigned to the case in the client relations department. They all claimed that there is nothing wrong with their system and that the calculations are accurate and proceed to direct me to the transaction history page on their portal.   My complaint is not about payments not posting, it is about the lender charging interest on early payment of the loan.   The lender allows payments in advance, I have sent all the payments in which would have been due the first of each month until  XXXX   XXXX , the next payment due date is  XXXX   XXXX . This is for the purpose of having some form of cash backup by not having any mortgage dues for the nex t 5 to  6 months. Now that I am 4 months ahead of payments, I began sending payments of {$2400.00} directly to the principal. Although the amount paid to the principal did reduce the principal balance and future payments, those due  XXXX   XXXX  and thereafter, will have less money going towards interest and more towards the principal, as expected, the payments however, which I made in advance prior to principal only payments were NOT affected by this extra payment towards the principal nor were they affected by the fact that the payment was sent months in advance rather than on the due date even though the lender received the money for all of these payments on  XXXX  and  XXXX .   The lender is effectively charging me interest on amounts which have already been paid towards the principal on all payments made months in advance since their system does not recalculate payments made prior to a large principal payment once a payment transaction posts even if it is several months before the payment due date. Their system treats the payments sent months in advance as if the payment was applied on the due date. The contract does not state any fees or penalties for early repayment, the contract allows early repayment, moreover, their website has a tool to calculate how much money can be saved by sending larger payments. However, that tool, similar to their payment system, only takes into account future payments and not payments submitted months prior to their due date or payments applied to the principal after having 6 months paid in advance. On their tool, if I hypothetically send {$100000.00} today it would have the same effect as if I send i t on   XXXX   XXXX   sinc e that is how far I have paid the mortgage in advance.   Please refer to the attached documents. On the second spreadsheet on the  excel file, I per form recalculations on how the mortgage amounts should have been calculated after making additional payments to the principal. The first sheet is data directly as it is given on the QuickenLoans portal and downloaded as a  XXXX .
Product: Vehicle loan or lease

XX/XX/2020 I have informed XXXX XXXX my job was impacted by Covid 19. I had to file unemployment and the process was time consuming which caused the late reporting on credit report. I have been informed the dealership was not to report late or negative reporting to the bureaus. I am finding out because I am not back on track and in the process of refinancing my home. It seems to be unfair due to my illness with the XXXX XXXX and the pandemic I am being penalized about something that I cant control. I ask to remove the late reporting from XX/XX/2020 so that I may have a chance to refinance my home and move forward during the pandemic
Product: Credit reporting or other personal consumer reports

Multiple times I have requested that my name be corrected to match my Texas drivers license as it is my legal name. However, the credit bureaus has ( experian, XXXX and XXXX ) refused. all XXXX  bureau 's maintain inaccurate and unverifiable information with regards to my personal information. The information must be consistent with the Texas drivers license issued to me along with the address listed on my drivers license. This is the only verifiable personal information. These companies have all caused me serious issue in obtaining credit due their illegal reporting practices. I have XXXX name and XXXX address. All other information is not verifiable and required by law to be deleted. Please update my personal information with my name and address. For more information please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is representing cox say my account closed on XXXX XXXX 2014 but the kept billing me claim invoices was not available then sent some with the wrong account number, and the XXXX plus refund Their on documentation show and support what I just said They claim its correct by their own paper work do not not support their action or position
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called XXXX XXXX trying to understand the amount that Caine & Weiner stated I owed on an Insurance policy I Canceled in XXXX because I Traded the car in. I would no longer need the insurance coverage due to not having the car. This was all in XXXX. XXXX waited until XXXX to add the amount of XXXX to my credit that would have been the rest of the Insurance policy. I called XXXX informing them that i canceled the Policy. Because i sold the car and they need to remove this Charge off of my credit report because it is false. I would not owe on a Policy because i canceled it due to not having the vehicle any longer. The agent i spoke with said yes i see. I explained to her i need this removed ASAP. I should be to cancel my policy because i sold my car and i should not be liable for the rest of the policy because i dont have the car. in which i explained to the agent at the time I cancelled it.
Product: Mortgage

XXXX had transferred my mortgage loan to LoanCare in XX/XX/2019. 
At the same time I submitted a Real Estate Relief statement in XXXX from the Commissioner of the revenue which I was 100 % granted. In XXXX XXXX made a final escrow transfer of {$370.00}. In XXXX XXXX informed me where to submit my payments. During this time Loancare is assessing the XXXX XXXX XXXX. On XXXX XXXX I received a letter that I had a shortage of {$580.00}. Even though they did acknowledge the tax relief I only received {$100.00} @ 3 months which was {$310.00}. There is still the 9 months remaining. The tax relief was XXXX XXXX. I emailed information I sent letters. I have also submitted a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.