23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Back on XXXX, 2016, I made a payment to American Honda Finance Corporation online. This was very customary for me as it was a payday and I made sure to be proactive in my payments. After a few days, I noticed the payment was still pending online. I followed up with a phone call to Honda so that I could get clarification on why the payment was still pending. During the call, I was assured that the payment was received and the " pending '' status was just a system glitch. I was very wary of this because it had almost happened before with a previous payment that almost caused a late payment. I even contacted my bank about the payment and was notified the payment was being taken out. However, it was still listed on the Honda website as a pending payment. On XX/XX/XXXX, the payment was " officially '' cleared out of my account according to Honda. I do n't know what issue came about and what other payments were made that caused there to be a deficiency in my account but the payment was reversed. This is after I was assured the payment was processed already. After the payment was reversed, of course, there were additional bank fees and fees with Honda that caused me to be unable to make another payment within a few days. This caused my account to be reported late, and in turn seriously affected my credit score. I attempted several times to resolve this issue with Honda, as I had NEVER made a late payment before this incident. They refused to listen to my explanation of the situation, and while doing so stated that their reps never told me the payment was processed. I even went so far as to write a goodwill letter requesting the late payment to be deleted, and they did n't even acknowledge the letter I provided.
Product: Credit reporting or other personal consumer reports

Since XXXXXXXX XXXX I have made several attempts to have an items removed from my credit report and they failed to remove an item. I have summited the proper paperwork which they keep ignoring and just send me a letter that's it verified. 

This is my second complaint filed with CFPB for this same issue and they sent me a emial claiming its verified. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX I face financial harm because of their blatant stall statics.
Product: Credit reporting or other personal consumer reports

On or about XXXX XX/XX/year>, I mailed a letter to Clarity Services, requesting information, and removal of inaccurate information from whatever credit file they have with my PII on it. In return I received a letter from them claiming to be a suspicious request. This is not a suspicious request as it is my information I am requesting.
Product: Debt collection

I have mailed dispute letter to XXXX  it is still reporting on XXXX. havent received a response back after the 30 day period the account doesnt belong to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX which wholly owns Zelle on XX/XX/XXXX XXXX My Zelle Profile which included my phone number XXXX and my email XXXX. There was no explanation as to why my Zelle Profile was restricted, and no explanation nor documentation nor letter has been provided. On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened a Checking and Savings, and then proceeded to open a Money Market Account FRAUDULENTLY. I did not apply for any of these account 's and I did not receive any account documents, nor did I receive any debit cards for these account 's. I did not make any charges, and I did not receive any benefits from these accounts. It was discovered that my email XXXX was hacked. I recovered the email address. I did not register for any online profiles with XXXX, and I did not register for Zelle through XXXX. XXXX advised me they reported to early warning services that I conducted Suspicious activity. Which is FALSE. Falsely accused, and No documentation or PROOF of evidence has been provided from the institution to support their false accusations. Which then in return Zelle added me to a Global Restricted List, Which Zelle Admitted I am now listed on because of XXXX  Incorrect False Reporting. These accounts are listed on my identity theft affidavit attached. I did not open these account 's and I did not authorize these accounts to be opened. I did not enroll a zelle profile with this instituion. XXXX refuses to XXXX the Zelle XXXX. Which in return now Zelle XXXX my actual Zelle profile with XXXX XXXX XXXX because of XXXX 's False Accusations. I am not suspicious. I did not conduct any fraud, I am a victim. These account 's with XXXX were opened fraudulently and the XXXX Zelle profile was also fraud. Which is what I have told XXXX over the phone, They incorrectly reported it to Zelle, and Zelle is stating I violated their terms and conditions. I have never once reported any ZELLE Transactions, As Disputed nor Fraud with my institution. I have read their terms and conditions and I have not violated any of their user agreements. It is absurd that Zelle believe 's whatever XXXX FALSELY Reported. XXXX does not have any evidence to support their claim yet I do. I sent my FTC Affidavit to the FBI for Investigation, the XXXX Bank accounts are listed. Please block these on my Early Warning Report, and Please also Correct my zelle profile with XXXX. XXXX advised ZELLE Restricted it not XXXX. Zelle restricted it based on what XXXX lied about. XXXX should not falsely accuse consumers and then refuse to unenroll the zelle profile to prohibit actual consumers from using Zelle at other insitituions. Especially when a customer has not committed any violations against any of Zelles user agreements. I Am a Victim of Identity Fraud, and I want my Zelle Profile reinstated. I also want XXXX Bank investigated for FALSELY reporting inaccurate information just to prohibit zelle use. This is consumer abuse and discrimination. Zelle puts people on a global restricted list based on false information reported by XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX XXXX, the consumer, did not provide these companies listed consent/written permission to report these accounts or Share my personal information with another entity, TransUnion, is a violation of 15 U.S. Code 1681s-2. 
see attached. 15 U.S. Code 1681b ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

I have submitted disputes about my TransUnion credit report. Whoever is supposedly correcting my report is not doing it correctly. Someone put I owe {$6.00} on my XXXX XXXX. I have never had a balance of {$6.00} on my XXXX XXXX. Secondly, I settled an account with the original debtor XXXX XXXX XXXX XXXX and instead of removing a debt buyer for this company, the worker subtracted the debt settlement from the original debtor and put the remaining balance on the debt collector account instead of deleting this account that I have never had an contracted account with. This violates the Fair Credit Reporting Act, Section 609. I first did my dispute online, but now there is a dispute I submitted via USPS certified/return, and last night XXXX XXXXXX/XX/XXXX, I disputed online once again and actually saw the so-called corrections to my credit report. This is unacceptable. Who is doing the checks and balances with people 's credit reports? I don't think I am finished with my complaints with TransUnion. People trust that their disputes and credit reporting are being done correctly...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the XXXXersonal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} 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

Already filed identity theft report with federal trade commission with notice to furnishers and mailed copies to all three credit bureaus.
Product: Student loan

Department of Education has many old invalid XXXX XXXX applications, the applications I could not fully fill out due to the Department of Educations online errors and only being able to upload a total of XXXX XXXX  to the XXXX XXXX site. So, I applied for XXXX XXXX via certified mail, which was returned and signed by the Department of Education in XX/XX/2002. This Borrowers application I have noted in several areas, from letters to the White House to the CFPB. I even asked when this application would be processed or if they had received it by phone, and they said they have it but arent sure when it will be processed. I have all of my phone audio with this company on voice recorder so I can back up that they have all of this information, BUT there isnt a pending application review on my FSA site ( see attached ). This leads me to believe that the Department of Education will try again to XXXX me out of what I am entitled to, complete forgiveness of my school loans from a for-profit school. CFPB complaint XXXX shows all the attachments I sent by mail for Borrowers Application. ( see attached for reference )
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING ITEMS ON MY CREDIT REPORT THAT ARE A RESULT OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Report number XXXX and XXXX I disputed this back in XX/XX/XXXX and received a replied from you in XX/XX/XXXX, which stated no change could be made. I am requesting for the second time the removal of inaccurate names, addresses outdated entries associated with my credit report. 

My legal name is XXXX XXXX XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate, such the ID Number XXXX and XXXX. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 3 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report such ID Number XXXX and XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, and I request that this be reflected accurately in my credit report. 


Thank you for your prompt attention to this matter. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address Answer of my request through Experian report Proof of Letter sent to you asking to investigate and remove this inaccuracies.
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from Bank of America. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. XXXX XXXX  along With XXXX XXXX XXXX failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX  XXXX BALANCED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I always paid TD Auto Finance by Telephone Pay every month, whatever the total dollar amount the voice machine said to pay. Since XXXX XXXX 5days late, my credit reports have shown late payments. 
XX/XX/XXXX - 4days late XX/XX/XXXX - 1 day late XX/XX/XXXX - 34 days late ... ... ... .16 mos+ late payments are on my credit reports XX/XX/XXXX - 52 days late None of the above is correct, I paid the amount TD Auto Finance phone pay told me to pay. I called and TD Auto Finance, verified by phone and I was correct by paying the dollar amount I was told at the time. TD Auto said I had to dispute with their company and the 3 credit bureaus to correct the negative reporting. I did report to TD Auto Finance and all 3 credit bureaus and nothing changed. This is not fair nor right, I paid every month by phone pay and if I was behind phone pay should of alerted me the correct amount every month to pay so I am not reported late to the 3 credit bureaus. Please make TD Auto Finance repair my credit ASAP to all 3 credit bureaus. I paid monthly and their phone pay shows this, so why am I being penalized for paying monthly by phone pay. My credit has suffered. Remove all negative monthly car payments with TD Auto Finance. Please repair immediately, I only have 2 car payment left. Thank you
Product: Vehicle loan or lease

Kia Motors Finance says that I owe them a debt, but I also have a letter from KMF stating that the debt has been paid in full. Now, because I won't pay the alleged debt, am making KMF honor the document, have exercised my consumer rights, and am in the process of initiating a civil lawsuit, KMF has retaliated by threatening to merge my current new car retail lease with the totaled vehicle retail lease that they allege a debt is owed. KMF has threatened to unlawfully accelerate my car payments and illegally repossess my car if I do not pay a debt they said was paid in full. This proves KMF is intentionally violating my consumer rights and is using deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.
Product: Payday loan, title loan, or personal loan

I have tried to work this out with Navy Federal Credit Union to no avail. I consistently make payments on this account to have them canceled by the creditor. The XXXX is in violation of the FCRA. The creditor continues to report a " payoff '' amount to the credit bureaus instead of the actual balance. If all of these issues below are not resolved we will be forced to take legal action against NFCU. Also, I was never told that getting a lower interest rate will extend the life of the loan. 

I contacted XXXX federal regarding a personal loan and some discrepancies on my credit report. This was not rectified after speaking with several individuals. XXXX had been reporting my loan pay off instead of the actual balance to the credit reporting agency which lowered my score. XXXX had engaged in predatory lending. I had XXXX forbearance 's and now the loan jumped from XXXX  months to XXXX months which I did not agree to. I tried to return the loan but XXXX refused so I began sending them money back and never withdrew the money out of the account for the first few months while transferring the money back to them. Also the inability to make payments from external accounts and no reduction in loan amount after paying back XXXX  XXXX dollars, a XXXX worth of payments.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA Mortgage Reporters XX/XX/XXXX Experian, XXXX - XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX Finance XX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.