23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

There is currently a {$2300.00} charge on a XXXX XXXX credit card under my name that is attached to my experian report. A credit card I personally have never inquired or sought after. I have called experian to put a credit lock and alert on my account for a year, and have called multiple banks ( including XXXX XXXX ) who indicated nothing with my social has been opened. But, this is clearly false because on my credit report, there is a XXXX XXXX charge, where it shows I opened up a line of credit ( someone else did, identity fraud ) that is clearly lowering my credit score and my identity is under threat.
Product: Debt collection

I never received the verification of debt. I asked for it, and I never received it.
Product: Credit card or prepaid card

Macy 's Credit Card told me I would have to pay an extra {$5.00} fee today just to pay my credit card bill on my due date. Their auto pay phone system automatically kicked me over to a human being who said I would have to pay {$5.00} to pay my bill with human assistance, although I had already spent about 30 minutes and made about three calls to three different Macy 's automatic bill pay phone numbers I found online. They rerouted calls so that I could not use their automated bill pay system and avoid paying the extra {$5.00} fee. Their policy states you must pay the fee. But it is a contrived crisis. I could tell from the resigned tone that Macy 's employees used -- as if they had already encountered a lot of grief, cursing, and rants about the {$5.00} fee. 

This is my point. If XXXX or XXXX people are forced to pay Macy 's an unexpected {$5.00} fee on their credit card due date -- do the math. This so-called crisis was premeditated before my XXXX XXXX, XXXX  due date. It was not an accident or coincidence that on XXXX XXXX ( which was my due date for paying my Macy 's ) well, the automated phone pay system did not work -- not once but three times during a 30-minute or so span. 
XXXX XXXX ( XXXX Please Send Me a Text Because I Don't Answer Unknown Calls
Product: Mortgage

My loan servicing was transferred from XXXX XXXX XXXX to LoanCare LLC. on XX/XX/2021. The transfer documents stated payments due on or after XX/XX/XXXX should be paid to LoanCare LLC. However, I made a payment of {$3800.00} to XXXX  XXXX XXXX through an automated payment system on XX/XX/2021 for my payment due XX/XX/2021. After the loan was transferred, my statement for LoanCare LLC also showed that I owed a payment on XX/XX/2021. I later made this payment a second time to LoanCare LLC on XX/XX/2021 in order to avoid late fees. 

On XX/XX/2021 the escrow ( {$550.00} ) and principal ( {$1300.00} ) portions of my XX/XX/2021 payment to XXXX XXXX XXXX were made as payments to my loan on my LoanCare LLC account. However, the interest portion of the payment ( {$2000.00} ) never appeared. I contacted both XXXX XXXX XXXX and LoanCare LLC via their customer service lines on XX/XX/2021, however neither company was able to fix my issue. XXXX XXXX XXXX stated that the payment was applied to the loan at the time of transfer, as it was made before the transfer date of XX/XX/2021. LoanCare LLC said that this payment did not show up in their records, and advised me to contact XXXX XXXX XXXX
Product: Consumer Loan

This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue. 
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius. 

In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government. 

I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership. 

Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX. 

I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. 

Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). 

I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status. 

Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus. 

I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2023 60 days late as of XX/XX/2023,  90 days late as of XX/XX/2023, and 120 days late as of XX/XX/2023 I am not sure how this happened. I was under the impression that this account was closed and did not know that a payment was due to this account.
Product: Credit reporting or other personal consumer reports

Wrote countless of letters disputing to XXXX and Experian the following accounts accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX that were removed by XXXX that reappeared after a few years. XXXX refuses to delete the accounts. This is hurting my Credit score.
Product: Debt collection

XXXX XXXX responded to complaint number XXXX on XX/XX/2018. They requested That I provide an identity theft report for them to proceed. Attached is the report they requested with my statement written on the report.
Product: Debt collection

I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX account # XXXX which is an auto loan. Has all kinds of inconsistencies where it is showing that it was las reported with TransUnion on XX/XX/2023 XXXX on XX/XX/2023 and XXXX XX/XX/2023 I also could see that the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXXviolated 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX Communications Addresses : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : Dept of Ed XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage loan in XX/XX/XXXX with fairway Independent mortgage company. I was told to submit bank statements, pay stubs, drivers license, social security card. I was told that they were a independent mortgage company and that they would be able to help me get a mortgage. They also told me to download their app to submitt my documents. So I did. I would periodically check the app to see if any progress was made, since I didn't hear anything from them.I did see at one time that I was being approved for a loan amount of XXXX. I thought someone would contact me. I had no correspondence from this company in about 30 days.I called to see what was going on with the loan about mid XXXX. They told me that if I paid off 2 credit cards that they could do a rapid credit score and my score would be over 700. So I paid off the cards. I still didn't here any thing from them. I called countless times to reach some one to no avail. In about late XXXX I called again. I finally reached someone. I was told that I got approved for XXXX. I still hadn't received any thing in writing. As a matter of fact I checked the app where I submitted all my personal information. Everything has been taken away. The last time I spoke to them in late XXXX. I was promised some correspondence by XX/XX/XXXX. I have heard nothing. They have my social security number and very personal information in their possession. I am very worried about it.
Product: Debt collection

In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.
Product: Student loan

I have conta cted American Education Services with regards to my monthly payment on numerous occ asions the most recent being   XX/XX/2017 . My in terest rate is constantly increasing and so are my payments. When I contacted them to seek options of lowering my payments I was advised that there is nothing that they could do because my loans are private and income sensitive repayment plans are only for  Federal Student Loan s. I have  XXXX  loans that are serviced b y American Education Services.     XXXX  has an interest rate  of 7.35  and  XXXX  other is  8.03.    I 'm currently making a monthly payment of  XXXX  dollars a month and in   XX/XX/XXXX  m y payment is going up by over  XXXX  dollars which would make my payments around  XXXX  dollars a month.   I make  XXXX  after taxes and I ca n't afford to make the payment after the increase takes affect. I have been paying on my loans for a couple of years now but the principal balance barely decreases because my interest rate is constantly increasing and I 'm told there is nothing that they can do to lock the rate nor to take my income into consideration for repayment purposes.   There are laws in place for Federal loans, but I 'm told because my loans are private they are not regulated and therefore I 'm forever a   XXXX    of American Education Services until t he da y I  XXXX  or   pay off my loans which is impossible to do hence the payment and the interest rate constantly increases.
Product: Mortgage

Fallen behind on my mortgage due to job loss. Mr. Cooper won't accept any payment less than total behind of around XXXX I'm currently in default. No date set. XXXX XXXX is the owner of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information.

Accounts to be Blocked and Deleted 1. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$30.00} Inquiries to be Blocked and Deleted XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Late Payments on a Closed Account ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account is reported as " Paid, Closed '' as of XX/XX/XXXX, meaning no further payments were due after that date. 
However, the report incorrectly shows a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, despite on-time payments being reported for prior months. 
If the account was closed and paid, it is factually inaccurate to report delinquencies during that time, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Update Account Closure Status ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance section of the report is blank, yet the payment history reflects a past due status, which is contradictory. 
The reporting does not clarify whether any outstanding balance was due at the time of closure, making it unclear and misleading.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and clear credit reporting to ensure the account details reflect actual payment history.

Failure to Provide Correct Payment History on a Paid Account ( 12 CFR 1002.10 Furnishing of Credit Information ) Since the account is marked as " Paid, Closed, '' it should not continue to reflect missed payments after closure. 
The reporting of late payments on a fully paid and closed account is inaccurate and misleading, which negatively impacts my credit standing. 
This violates 12 CFR 1002.10, which mandates that creditors ensure credit information is furnished accurately and updated properly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that creditors ensure credit information is correct and properly updated. The erroneous delinquency reporting on a paid account violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Debt collection

I saw an advertisement for tummy cellulite reduction treatments with no surgery. XXXX XXXX XXXX religiously for at least 2-3 months and I never got any results. I never lost any weight in the midsection area. This was a Scam. I was paying my bill every month until one time I got paid, they went into my account unauthorized and taken {$900.00} or so from my account. I called the company and they never returned the money that they stole from my account. I needed that money to pay my mortgage that month. Since my accounts were compromised by this company, I updated my banking information and they have been harrassing me every since. I have spoken to a number of their people and told them why I will never pay another penny to this company because Its fraudulent. Attached is a document from Omega and I also have a letter that I was sent back on XXXX XXXX XXXX  asking for payment. Since they never returned the money they stole from my account, I don't feel I should have to keep criminals in business. XXXX XX/XX/XXXX Account : XXXX Subject : Notice Concerning Your Agreement with XXXX XXXX XXXX XXXX XXXX Dear XXXX, This Letter relates to the Retail Installment Credit Agreement ( Agreement ) you entered to finance your purchase from XXXX XXXX XXXX XXXX XXXX XXXX Merchant ). Although we understand your Account has been closed, we are writing to notify you of certain rights and protections maintained under your Agreement. The Account Number related to your Agreement is provided above.

Who is providing this Letter? This Letter is being provided by the above-referenced Merchant 's third-party billing service provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

What is the purpose of this Letter? This Letter is meant to inform you of certain rights and protections maintained under your Agreement. The Notice stated below is provided in conjunction with your Agreement, and it is incorporated into your Agreement by reference herein. As such, the rights and protections afforded to you under the following Notice shall be effective as of the date on which you entered your Agreement and remained in effect until the date your Account was closed. 

NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

A copy of this Letter is now attached with your Agreement documents, which you may access through your online account at XXXX. No further action is required from you at this time ; although, we recommend that you maintain a copy of this Letter for your own records. 

This does not affect the status of your Account, which our records show has been closed. If you have questions, please email us at XXXX or call us at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Which turned the service account over to XXXX. 
Please see the attached document for more details. Thank you, XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Bank of America denied my application for a used car loan under XXXX in XXXX, XXXX. Stating I did not meet the qualifications per my credit report. I reviewed all 3 credit reports and did not see an inquire from Bank of America. Bank of American has a history of pulling wrong credit information and depositing funds into the wrong checking accounts for me. I no longer bank at Bank of America because of their past history of mishandling of my accounts. My credit score is has been good/ to excellent consistently over ( 800 ). My earning to debt ratio is good. 

Bank of America stated the decision was based of my credit report from XXXX, no record of an inquire on my XXXX Credit Report. I was able to obtain a loan for another bank. 

The interest rate at Bank of American would have been less. What options do I have, I feel I was mislead and given inaccurate information from Bank of America. They never pulled my credit report, I do not pose a high lending risk. 

Thank you XXXX XXXX