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

On XX/XX/2018 I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from BMW Financial Services was reported as a new collection. 

The derogatory information shows as coming from XXXX XXXX XXXX as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from BMW Financial Services Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/2018, I called both BMW Financial and XXXX XXXX and each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
Product: Student loan

I consolidated my loan over a month ago, and Mohela certified my XXXX years of federal government employment. I submitted the paperwork before the XX/XX/31 PSLF waiver deadline. 

However, the Mohela website does not reflect my prior qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, Transunion on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Checking or savings account

Well having to pay a fee for every savings account we open. Why pay the extra money for a savings account. Allowing companies to charge ur card even tho you dont have enough funds to cover it! Charged late fees for overdrawn accounts when you shouldnt charge a count that doesnt have the enough funds to cover it.
Product: Credit card or prepaid card

Opened my credit card statement and it shows that I paid the entire balance on the card ( which I do every month ), and I was charged {$14.00} in interest. I called the company and asked them to remove the interest charges, they stated that since the final payment of the month was made after the payment due date of XX/XX/21 ( not the statement closing date of XX/XX/21 ) that they would not remove the charges. I pay off all of my credit cards every month before the statement closing date. This has happened several times in the past and the interest charges have always been removed from the account.
Product: Mortgage

Our mortgage was sold to Freedom Mortgage. Upon transfer, we were immediately contacted by their mortgage broker, XXXX XXXX, who advised that they can refinance our mortgage to a lower rate saving us money monthly, all we needed to do was come off of the COVID forbearance plan. He called relentlessly until we provided the information. We provided them with the documentation necessary and they hit a snag where the previous mortgage company did not provide FHA with documentation to close out our loan properly. We were instructed to contact the previous mortgage company but were not told what was needed and provided a deadline of a week and a half to get the information. Since that time I have been calling XXXX and the mortgage company to get answers but to no avail. He has not returned any of our calls and one of the associates tried to reach him while on the phone with me but received no response. An email was sent to XXXX and his supervisor and we still do not have a response. It seems as if they were trying to get us off of the forbearance plan so that we can pay them and now they will not assist us in getting back on. This feels like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that I'm filing a complaint against Equifax. I filed a complaint well over 30 days ago requesting an investigation for several accounts listed on my credit report. I have yet to receive a response. This company has not answered after several attempts of me requesting a method of validation for the following accounts. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXXXXXX XXXX - I was never late XX/XX/XXXX this is a closed account and was a bank error! 
XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses, nor did I authorize these companies to run my credit. Please remove them.
Product: Payday loan, title loan, or personal loan

I have a loan with family choice financial. My loan comes due the XXXX of the month and my husbands loan comes due on the XXXX. They called my phone 11 times as well as calling my work 3 times. They also called my husband 26 times and apparently went to my house twice. This was all just today. I am not even a month past due yet. I was unable to pay on time but when they finally got ahold of us they said if I didnt pay them by tomorrow morning they were going to file legal action against me. I was unreachable because I was at work. I didnt find out about them coming to my house until I got home. Calling a total of 40 times plus two house visits all in one day is well past excessive. It is harassment. I do not always pay my loan on time but I have never skipped a payment. It is wrong to treat customers that actually try to keep up that way.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning Credence RM 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by Credence RM is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 
In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting XXXX inaccurate late payments for the XXXXXXXX XXXX XXXX  property with account number XXXX. This includes late payment XXXX  days from XXXX XXXX XXXX days late payment from XXXX XXXX XXXX  days late payment form XXXX XXXX XXXX days late payment from XXXX, XXXX, and XX/XX/XXXX, to include XXXX  days late payment from XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. This is a " TIME SHARE '' XXXX XXXX XXXX. We are in litigation to end the time share agreement. Because of XXXX, we were not allowed to use the property. We started legal action to end the TIME SHARE. XXXX XXXX XXXX stopped taking payment from XXXX, we did not stop payment to them. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX XXXX and Fifth Third Bank ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided XXXX XXXX and Fifth Third Bank ( North  Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my XXXX XXXX and Fifth Third Bank ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to XXXX XXXX and Fifth Third Bank ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : FIFTH THIRD BANK OF NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

PLEASE DELETE THE FOLLOWING FRAUDULENT XXXX XXXX XXXX CO Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry dateDec XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateDec XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateApr XXXX, 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

In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On XXXX XXXXXX/XX/XXXX a tow truck came to my driveway while I was out of the country to tow my car - XXXX XXXX XXXX, a car I am financing with Fifth Third Bank. When my wife asked why, the two truck driver said for non-payment. However, my monthly payment is setup for auto deductions. For some reason the auto deduction didn't get processed and the bank made no efforts to reach out to me through email or call. My wife called me immediately and I tried to resolve the payment with them bu offering make payment immediately but the they refused and insisted on towing the car. I called the office and finally wired the outstanding balance to the bank after the car was towed. Since then, my car is still in possesion with the bank despite paying for the missed payment and all expenses, including the tow cost. 

I felt the Banks actions was predatory, discriminatory, unfair, dishonest and unprofessional. It looks to me that the bank was more interested in repossessing the car and getting business for their affiliates - XXXX XXXX than getting their missed payment. I was hoping that given my credit history records for non-missed payment for almost two decades that should inform them that its an honest system error. And they could have just taken the payment and leave my car. But rather insisted on towing it so they can make extra money on fees and also give business to their affiliates by getting me to pay for the tow. A carefully reviewed customer feedback on XXXX and realized this is what they have been doing. Deliberately making it difficult to pay you bills so they can come back get on you on fees and repossessions.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of 2022, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to e-Oscar or any means of automated verification.
Product: Mortgage

I have an FHA mortgage with freedom mortgage corpXXXX My balance is {$200000.00}. I bought it for {$270000.00} on XX/XX/21 and is now worth {$300000.00} I put down over {$85000.00}. 

With almost {$100000.00} ( 1/3rd equity ) why wont they stop charging me XXXX XXXX month for PMI Mortgage Insurance?
Product: Mortgage

I paid my mortgage in the amount of {$1000.00} on XX/XX/19. The payment shoyld have applied and posted on XX/XX/19. My statement, online system, and phone system all state the payment posted on XX/XX/19. I called SPS Servicing on XX/XX/19 to complain and phone reps assure me verbally that payment properly posted on XX/XX/19. I do not believe them because SPS Servicing is a 3rd party payment processing company that I have no written agreement with and I do not trust them. I want to end my relationship with SPS Servicing and go back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX XXXX XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX Capital one Bank- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I made a withdrawal at one of US Bank 's ATMs located at XXXX XXXX XXXX XXXX. in XXXX, in the amount of {$300.00}. My daily limit is {$300.00}, yet the bank has charged me for TWO {$300.00} withdrawals and has not corrected it. I spoke with XXXX at their XXXX customer service number at XXXX XXXX on XX/XX/2020 and he assured me that the bank would correct this error by morning. It has not and the charges are no longer PENDING, but POSTED. Please step in and make them credit the {$300.00} I did not take out of my account. Again, my daily LIMIT is {$300.00}, so it's an IMPOSSIBILITY that I could take {$600.00} ( {$300.00} x 2 ) from my account. XXXX said that the " ATMs are getting hard use, '' but that doesn't solve my problem. Please help me get my money back soon. I have bills to pay. Thank you!!!