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

I checked my email from XXXX XXXX saying that my student loans balances are delinquent because it passed 90 days. I checked my XXXX XXXX XXXX and my TransUnion score dropped from XXXX to XXXX, and my XXXX score dropped from XXXX to XXXX. I applied on my student loan account XXXX for a new payment plan ( SAVE ). They confirmed and provided a letter as of XX/XX/year> that my loans were officially in forbearance and that I do not owe or need to pay anything for 60 days from when I applied which was XX/XX/year> until they make a decision on what I need to pay. They provided my a letter confirming this dated XX/XX/year> confirming that all my loans are currently in forbearance. Then I get a notification from the credit bureaus showing that my loans are delinquent when they are in fact not delinquent.
Product: Debt collection

My wallet was stole in the summer of 2018 with my identification card, Social Security card and debit card. I recently took interest in my credit because I am looking to buy a house so I ran my report and noticed I have a few things in collections that I have no knowledge of, and was not aware of.
Product: Mortgage

During the modification process, I requested additional documentation regarding the amount of the loan. The lender increased my loan by {$12000.00} when I modified my loan. I requested an itemized payment schedule and a breakdown of cost. Both requests remain unresolved. I was told if I didn't like the terms pay the loan in full. The loan is more than I paid for the house and wanted additional information to make an inform decision. I had no choice to accept the terms however, the process and the lack of documentation is unfair. Loancare should provide not take advantage of individuals during XXXX. I'm making the payments on time however, the additional cost of should not be included on my new terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is all over the place with my Fica score it need to be updated and reflect the same as thing as XXXX and XXXX SCORES ARE DIFFERENT ON EVER SINGLE AGENCY OR COMPANY I PULL PLEASE UPDATE IMMEDIATLEY,
Product: Debt collection

On XX/XX/year> I noticed the accounts XXXX XXXX XXXX, XXXXDept of ED, XXXX XXXX XXXX, and XXXX XXXX  were on my credit report. I did not authorized any of these accounts to be opened. I also noticed these inquiries that I did not authorized XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am providing an update on my complaint against Chase Bank regarding their repeated delays and mishandling of the release of funeral funds for the mother of XXXX XXXX. 

Since my last update : 1. Chase lost or misplaced the physical documents they required me to submit in person at a local branch. 
2. Chase then instructed me to email the documents to their executive officials, which I did. 
3. Now, Chase is changing the verification process again, stating that a phone verification is required instead. 
4. Today, XX/XX/XXXX, a Chase Executive insultingly offered to return the checkan action that myself and XXXX XXXX requested back in XX/XX/XXXXXXXX yet Chase refused at that time. 

This offer is completely unacceptable because : Had Chase honored our request in XX/XX/XXXXXXXX this situation could have been avoided. 
Instead, Chase delayed this matter for six months, while XXXX XXXX has been decomposing in my funeral home due to lack of funding for burial services. 
Now, after putting the family through unnecessary distress and disrespect, Chase suddenly presents this as a solution, ignoring the damage they have already caused. 

I urge the CFPB to intervene immediately and ensure Chase : 1. Finalizes and adheres to a single, written verification process. 
2. Releases the necessary funeral funds without further delay.

3. Provides a senior decision-making contact to ensure proper accountability.

Chase has mishandled this matter at every turn, demonstrating gross negligence and a complete lack of urgency and respect. The XXXX family and my business can not afford any further delays. 

I request immediate assistance from the CFPB in holding Chase accountable and expediting resolution.
Product: Student loan

On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX  - XXXX
Product: Vehicle loan or lease

We obtained a loan with Consumer Portfolio Services through XXXX XXXX XXXX in XX/XX/2011. At the very beginning there was a foul up and after originally signing papers they had us come in and sign more because " something was wrong ''. Mistakenly I signed without reading and then was saddled with an exorbitant interest rate ( 18 % + ) and despite the fact that I was making the payments, which were now higher than originally expected, the balance was not going down. Then started a cycle of charges and being told by employees that I could not make payments through billpay ( which were free for me and posted to the company within 24 hours ), I had to go through XXXX XXXX each time ( {$12.00} charge per payment ). 

Eventually the car was repossessed and despite paying $ XXXX to the company ( original loan was less than {$25.00} ) I was sued for another XXXX and am now having my wages garnished.
Product: Mortgage

I have a mortgage with Wells Fargo Home Mortgage, I wrote my check for payment in XXXX 2017, An unknown person changed the amount on my check from {$2000.00} dollars to {$3000.00}. XXXX dollars without my approval. The check was processed for the changed amount on XXXX17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. EQUIFAX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$880.00}
Product: Checking or savings account

On XXXX XXXX 2017 Bitcoin ( BTC ) performed a hard fork, which is basically a stock split. 
XXXX did not give the split off coins ( shares ) to its customers. I am looking to get the coins due to me from XXXX. I have since threatened them with a Class Action Lawsuit ( but no action is pending that I know of ) and they have arbitrarily closed my account for no reason. 

The hard fork should have given me XXXX BCH ( shares of Bitcoin Cash ). At the time of the fork it was about {$1400.00}, current value is about {$2500.00}. 

I contacted the company multiple times on, and after, X/XX/2017 and they stated they would not distribute the coins.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

I have a collections from Central Finance control aka Syndicated Office Systems. After reading about their illegal debt collections practices on your web site. In my case I never heard a word from them. The only way I discovered this claim was when I looked at my credit report. It appears to me that they violated my rights in XXXX ways. 1. They did not respond to my request within 30 days. 2. They never sent debt validation notice.
Product: Credit reporting or other personal consumer reports

Mortage company XXXX. Filed for XXXX XXXX XXXX XXXX XXXX XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, one is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Product: Debt collection

Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information.
Product: Credit card or prepaid card

I am aware and have proof in attachment labeled as Exhibit A An application was made in good faith, with the understanding that I would be considered for credit based on my creditworthiness and other relevant factors. Despite my application being made in good faith, no credit was receive. I am aware and have proof in attachment labeled as Exhibit A These facts are proof of fraudulent activity and unauthorized use of a credit card on behalf of Upgrade , Inc . This conduct is in violation of various federal laws, including but not limited to : 15 USC 1602, 1642, 1691c, 15 USC 1692k, 1681m, 1681n, and 1681o, as well as 12 CFR 1002.
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 on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX - on the behalf of - XXXX XXXX XXXX on XXXX -The Business Backer on XXXX -The Business Backer on XXXX -The Business backer on XXXX -XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681 BA ( 2 ) - permissible purposes of consumer report. 

These codes i provided above explains how they violated my rights and i wish to have these removed. Because of these inaccuracies i have been in XXXX doing these times in need. These Laws have been broken and i want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Has credit reporting from XXXX XXXX listed as 60-90 days late for every month on credit report. Showing as missed payments for every month during that time period. In XX/XX/XXXX, I entered into an extension agreement with them, and since then, they have reported the account as late or behind, showing that i have XXXX missed payments, when you can see in all of the payment transactions that payments were made to them every month since
Product: Credit reporting, credit repair services, or other personal consumer reports

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX at XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( 8 ) inquiries. These ( 8 ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately.

. TransUnion must provide how they verified these inquiries belong to me.

1 ) How did you verify these inquiries?

2 ) Provide an original contract/agreement with my wet signature authorizing these inquiries.
Product: Credit reporting or other personal consumer reports

XXXX received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/2024, and payment was made to XXXX on XX/XX/2024. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to XXXX or XXXX for the merchandise.
Product: Credit reporting

THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.