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

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting XXXXredit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are 4 accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/XXXX, I requested a credit report from XXXX as I noticed that my credit score had gone down considerably from last month. On the report there was a debt collection. I called XXXX, also on XX/XX/XXXX and was told that Sunrise Credit Services was collecting a {$2200.00} debt for XXXX XXXX XXXX, XXXX. The account was opened on XX/XX/XXXX and the phone number issued was a XXXX XXXX XXXX under my maiden name, XXXX XXXX. A phone was purchased for {$1900.00} and the remainder of the debt was in unpaid bills. I disputed the claim once already at XXXX XXXX XXXX XXXX XXXX XXXX is holding me responsible. 
I have put in a fraudulent claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Not only have I not used my maiden name in 25 years, I live in New York, have never lived in Massachusetts and do not have any friends or family in Massachusetts or associated with the mobile number XXXX 
Please advise. 
Thank you. 
XXXX XXXX XXXX
Product: Student loan

My Borrower Defense Loan Discharge Application has been reviewed for well over a year, and since I had to send it via snail mail due to their faulty application process, the status is NOT online for my review. I must call for status updates and since the departments dont speak with one another they dont have much to tell me.
Product: Credit reporting or other personal consumer reports

Capital credit card doesnt belong to me and I want it off my credit report asap the ssn and date birth didnt date of birth
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There was an inaccurate reporting on my credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : # XXXX, XXXX XXXXF XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I contact personally a representative of TD Bank in XXXX Florida because I was trying for about 5 times to link my checking account with my XXXX  account and every time that I was executing this action I received a message in my XXXX account that said " TD Bank is blocking you from enabling external applications ''. This representative toll me that I have to wait 30 days in order to successfully link my accounts. No other solutions to this issue was offered. 
Then on XXXX XXXX, I called TD Bank customer service # XXXX, talked to a representative that told me that all the restrictions in my checking account were lifted and that I should not have any problem trying to link with my XXXX account. I tried to link the two accounts again with no success. 
Please can you help me to solve this issue?? I hope you will .... 
Thank you
Product: Mortgage

I 'm writing this letter in regards to a formal complaint I wish to file against Nationstar Mortgage LLC. 

First, I would like to shed some background on the many problems I 've encountered due to this company 's incompetence. Our mortgage was sold by XXXX to Nationstar Mortgage on XX/XX/2016. This said mortgage is on our income property located at XXXX and XXXX. XXXX, NY. XXXX. Our first issue was the address listed on the new mortgage was wrong. A phone call corrected that, however this was the start of one headache after another.. 
Next I send my first mortgage payment by mail, along with the information ( a blank check ) to set up automatic withdrawl on the tenth of each month. Late notices aprox. 45 days later started coming. I called they said they did n't have the right information for direct withdrawl. We sent that information 2 more times, for a total of 3 times now. I am receiving late a fewb notices in the mail, which promted me to call numerous times to hear that they just crossed in the mail. That sounds legit, I guess. Next my tenants call me to tell me I have mail. It was a final notice that they were about to start forclosure proceedings. So I make another phone call to find that they never took the last two payments out of my account ... .So I made a double payment over the phone and finally the payment withdrawls are set up ... I should say I hope these payments are now set up ... 
Recently, I received a phone call from my Homeowner 's insurance agents office, stating that my homeowner 's insurance policy is about to be cancelled due to none payment.. I immediately made a monthly payment to insure my policy did n't expire.. I have an escrow account with the mortgage company and they were suppose to pay it ... My agent made a 3 way call including my self, the mortgage company and the insurance agent to figure out what went wrong ... The mortgage company then sent out a check to the insurance company for the wrong amount. More time on the phone the mortgage company sent a second check this time with the right amount. The insurance agent refunded me the wrong amount which I had to return to the mortgage company to be put back in escrow. 
Now I get a monthly statement from Nationstar Mortgage, with a {$75.00} Maintenance fee. Once again call the mortgage company to find out what this charge is. I spoke to a customer service rep she did not know what that fee was, I spoke to her supervisor, he could not tell me what that fee was but I should pay it. 
HERE ARE THE QUESTIONS I WOULD LIKE TO FIND ANSWERS TOO. 
1. ) I want to know if Nationstar has reported me to the credit bureua as a result of their neglegence? 
2. ) What is the maintenance fee of {$75.00} on my monthly bill?
Product: Credit card or prepaid card

I had an account with Capital One I went into to set up auto-pay so I wouldn't have to work about my monthly bills. I set up the auto-payment with my XXXX XXXX serve card which is a prepaid card. I was allowed to set up the auto payment with the prepaid card without an issue the auto payment was set. So I thought they money was coming out monthly like I set it up then when I received letters stating my account was past due. I did a payment online with the same card this time as a one time payment it processed. Then when I checked my account I still had a late payment I became frustrated and confused not knowing why my payments didn't work. I knew places that didn't accept prepaid cards say it as soon as you enter the information letting you know this card isn't allowed. I called in Capital One to process the payment which I assumed it got processed. Kept with the back and forward for a while then my account was closed off. 
Capital One is to blame why my account went past due if I was aware that my card wasn't allowed to make payments I would of made payments another way. But instead I put money on that card and set up auto pay thinking that my money was being taken to bill the bill. 
Capital One never gave me an error message even when I called the agents took the card to make a payments. Only when past due and I spoke with a supervisor I was told that it was a glitch in the system and they dont accept that type of prepaid card. Then with all the fees I couldn't afford to pay the balance plus fees so I gave up. Then when the account closed I paid them after some time and I was told that it would be removed of my report if I paid a certain amount and it was never removed. 
I need help removing this negative information of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 % XXXX Veteran with a XX/XX/XXXX dishcharge dated XX/XX/XXXX. 

XXXX failed to send their guarantor Ascendium the proper paperwork in XXXX. They did not send in the MP note. I called Ascendium Ombudsman and was back and forth with XXXX Military line for MONTHS while all my other loans were paid off. 

They said it's not a federal loan. Nice little made up rule. The government loses money doing that FYI since they can just keep XX/XX/XXXX up paperwork and charging every month. 

This XXXX guy at XXXX told me to BACK DATE MY XXXX LOL. YOU CAN'T BACKDATE A VA XXXX. THATS THE MILITARY LINE AT NAVIENT!!!!!! 

I have proof of this, phone records, they say the recorded calls ... I recorded a couple. contacted everyone, even an Attorney. 

XXXX went under when I was overseas in XXXX and they never mailed me anything because they had the wrong email address. My mother set it up to handle things why I was XXXX. 

I was poisoned overseas by XXXX gas and the XXXX sent 2 people to tell us that the air quality was within XXXX levels. I proved that wrong beyond a shadow of a doubt by finding enough papers on the subject. Mainly Thanks to ONE Doctor who cared awhile ago. 

They continue to email this email and not MINE. I have been on the phone with them for 4 months and FINALLY they take it off my credit. Playing GAMES WITH A XX/XX/XXXX XXXX VETERAN. 

In the meantime. My score has dropped and they are keeping 14 missed payments on my loans for no reason. Now it says 7 on Experian. I am XX/XX/XXXXXXXX AND vCONFUSED AND MAD. Their upload thing doesn't work. I was back and forth with Experian the entire time as well. 

I called XXXX and made a lady Attorney cry every time she talks to me. I can't get help at all.. I don't want to hurt people by telling them my story. 

Maybe I should just give up on credit? 

I CAN'T GET A VA HOME LOAN!!!!!! 

GIVE UP ON THE AMERICAN DREAM? 

LIFE, LIBERTY, PROPERTY, PURSUIT OF HAPPINESS? 

GOT TA HAVE CREDIT! IF YOU F IT UP, 7 YEARS PAL 7 YEARS CREDIT PRISON SENTENCE. 

NICE DEBTORS PRISON BTW. Just change it from sending them to jail, and let them get XXXX XXXX at home. 

REAL AMERICAN. 

America doesn't seem to ACTUALLY care about it's 100 % XXXX VETERANS. 

XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXXam I received an e-mail from Bank of America stating that I was approved for a 'Bank of XXXX XXXX XXXX Banking Account XXXX XXXX 

I did not submit an application for this account. I called Bank of America immediately and connected with the Fraud Department. They were able to close the account.
Product: Debt collection

Nissan Motor acceptance has repeatedly harassed me with regard to my auto lease. On XX/XX/2019, after I had previously received two unanswered calls they called back on my cell number XXXX and asked them to stop calling me. Nissan Motor acceptance then called right back on XX/XX/19 at approximately XXXX. I explained to XXXX that I requested no calls on XX/XX/19. She stated that they needed to verify it was me, I explained that I didn't believe that is true and that they are in violation. I explained that my cell number is a verifiable number and anyone stating not to call the calls should cease. I explained my reasoning for calls due to the number of calls and Nissan not following the law. XXXX says they would not contact me by phone.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and I did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account was never late. The account should be updated to show it was never late or removed. Requested proof of late payments. none could be provided. 
I provided bank statement proving banking errors to company with no response. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My visa cash app card was charged 3 times today XX/XX/2021. {$210.00}, {$220.00}, and {$58.00}. My phone alerted me of the charges. They were at XXXX in XXXX, MA. I called XXXX security and they reviewed their footage and could see where the transactions were made, but there is nothing they can do. I reside in XXXX, TX. I reported to cash app as well and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband have a Capital One card that is not showing on my XXXX   account, and I also have a XXXX XXXX card not showing on my XXXX account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue XXXX my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, American Credit Acceptance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.