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

I have a car loan with XXXXXXXX XXXX. I communicated and arranged to make a payment on or before the XXXX of XXXX. ( XXXX XXXX claims that if you community with them that they will work with you. Its only when you dont communicate with them that theyll assume you are not going to pay. ) I never had a 30 day late fee ; XXXX if I was late. XXXX. Because a 30 day late fee is only after youve been late 39 days. I paid {$1400.00} on the XXXX of XXXX. The payment processed on XX/XX/XXXX. Im now current, yet I get a 30 day late on my credit report for XXXX. My car payment is due every XXXX of the month. Again XXXX XXXX  has never gave me a late fee. But lately they have been picking in choosing how they manage accounts. ( Like one time I scheduled a payment on the mobile app and they still garnished my money to pay on my car. In when I called the said even though I made an arrangement on there that I have to still call. However that never was so, but now its changed. ) When I called on the day I disputed the 30 days late for XXXX, the loan agent explained that it didnt matter if it wasn't a full 30 days. They report at the end of every month. In so what Im getting from this statement is that companies and banks like XXXX XXXX  can report information on your report before 30 days. Or wherever they feel like it. So I disputed it with the credit bureau. In it came back today XX/XX/XXXX as update with only a check for XXXX and the 30 days is still there for XXXX. Why is something like a credit report is in place? Yet manipulated in twisted to the companies advantage. In its okay to give an explanation such as the one she gave ; in Im supposed to be okay with it!? If you have 30 days before you are late then it should be report on the XXXX day or after. And if you didnt report it, there should a time frame to do so. People are being deliberate and personal in their actions now a days. Manually doing underhanded stuff before they have the power. I my here is nothing in place to stop it. Ive sent in supporting documents to show my payment wasnt 30 days late from XX/XX/XXXX to XXXX when the payment was processed, but 19 days. I just hope XXXX XXXX can have some integrity in stop doing customers like they do. Then using the system maliciously to discredit you.
Product: Debt collection

I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
Product: Checking or savings account

OnXX/XX/2019 we found out by talking to the bank ( Renasant Bank ) that they are closing our account. We had just opened the account on XX/XX/2019 and made small deposits to the account while we worked on transferring our bigger amounts. 

We had never gotten a debit card or had any adverse interactions with any of the banking staff. We haven't gotten a reason why this is happening or what to do.
Product: Credit reporting or other personal consumer reports

I havent been able to see my Experian credit report updated since it was generated XX/XX/year>, and was told it was due to a missing address. The company has had no address for me on file for over a month now and I can not view my report. There was an update to the dispute I filed internally with them asking for them to add my correct current address but they updated the dispute to say completed, with results no available online. Still I can not see my credit report. Have been on a few different calls asking for help and they keep assuring me its been handled but I havent seen anything happen.
Product: Debt collection

ATTACHED IS DEBT VALIDATION LETTER I don't know what account this is and how this company got my personal information which they commited identity theft to get that. I also don't have a contractual obligation to pay this fraudulent account Online in XXXX XXXX # XXXX *Please see attached documentation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Expedite XXXX : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY EQUIFAX. Attach : COPY OF ID ATTACHE DISPUTE LETTER ATTACH PROOF OF ADDRESS XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$42000.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$7000.00} XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$700.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$300.00} XXXX DATE OPENED XX/XX/XXXX BALANCE : {$470.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$4500.00}
Product: Payday loan, title loan, or personal loan

Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.
Product: Credit card or prepaid card

I have a Chase Credit card that I used to purchase Airline tickets to Hawaii of this year. Due to Covid I could not get a flight to XXXX from XXXX because we could not fly! The airlines solution was a credit for 2 years well I'm six months into that timeframe and I don't see myself flying anywhere until this country gets Covid 19 under control. I requested that my account be credited this was well over 2 months and I have not received my credit or a response from Chase! I have written them 7 times!!! 

I will not be traveling to a state where I have to quarantine for 14 days so a airline credit is unacceptable!!!! I'm the one being penalized for interest on my charge and I cant fly!!! 

So big airline gets to keep my money and put me at the disadvantage financially?? Not fair!!! I'm only seeking a credit for services that were not given!!!! It's not my fault Covid 19 happened nor should I be penalized. Please help! This transaction was posted on XX/XX/2020
Product: Credit reporting or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear CFPB, I received a copy of my credit report and I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was approved for a new XXXX card issued by a major bank. I immediately set up the account for automated payment, which was approved and confirmed by the bank XXXX ) days in advance of my first payment due date. Two days after the first payment due date my credit card was rejected by a merchant. I called the bank who said I must pay the first bill manually. I, of course, point to the automated payment being set up far in advance. They say " we sent you a message via e-mail -- you must pay the first bill manually ''. I never received such an e-mail, and regardless, I had the autopay confirmed. The bank then charged me a {$25.00} dollar late fee and interest *even though* I then immediately paid the balance in full *using the automated payment method already approved*. In my opinion, this practice is a scam perpetrated on pro-active card holders deliberately to generate fees with no other possible financial or risk mitigating legitimate purpose. The Bank was perfectly capable of using the autopay against my first bill but clearly wanted the additional charges and interest through this sleight-of-hand misdirection.
Product: Debt collection

Enhanced recovery Co has repeatedly attempted to put information about a debt that was not owed by me on my credit report. I have disputed it and had it removed several times. The debt belonged to my XXXX XXXX who used my name for internet. I did not know he did this. This company has repeatedly damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
Product: Debt collection

Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed two 1 credit inquiry that I find to be problematic The first inquiry in question was apparently made by on XX/XX/2017 and I have no recollection of doing any business with this Company ( XXXX  ) I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Product: Credit reporting or other personal consumer reports

As of XXXX I officially notice there has been accounts listed in my name that were not authorized by me. Im requesting a full investigation from this bureau to see why is there account reporting in my name that I didnt give consent to? I provided a ftc report to get these documents deleted from my report but better yet looked into so this wouldnt happen to me or no one else.
Product: Debt collection

Hi, I have a debt on my credit report that doesnt belong to me. I have contacted the company and was not provided with any information pertaining to this alleged collection. I have asked for a validation of debt and a payment history. I was not given anything. I also asked for proof that this alleged debt belongs to me. I was not given anything. The dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amount is {$480.00}.
Product: Mortgage

I was handed a loan modification by my ex spouse to sign from NewRez in XX/XX/XXXX that did not have my correct current name. He demanded I sign. I refused. He is repeatedly contacting me insisting I sign. I and my current spouse have repeatedly told him no My ex is XXXX XXXX XXXX and unemployed. The 11 year loan that XXXX  is offering adds up to XXXX with a XXXX balloon payment due at the end of 11 years. This on a house my ex only owes XXXX dollars. I am also XXXX XXXX XXXX, XXXX XXXX, and have no interest in this property. I am not on the title and have not lived in the house or even the state the property is in since XXXX. It is my opinion this loan qualifies as a predatory loan on XXXX XXXX XXXX keeps pushing for this loan modification as well as my ex spouse. 
Despite my repeated phone calls and emails insisting this property either be foreclosed on or sold.It is stalled because of repeated loan modifications in process I have called and called repeatedly and emailed numerous times to no avail. 
I am concerned that my name will be used without my consent on a XXXX XXXX XXXX XXXXXXXX dollar loan, because XXXX has been unwilling to listen to me and proceed with foreclosure or short sale. 
XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX I was never late ( XX/XX/year>, XX/XX/year>, or XX/XX/year> ) with any payments associated with this account, and I am requesting your assistance in providing a detailed description of the procedures and criteria you use to verify the accuracy of the information reported. I believe the alleged late payments listed are incorrect, and I request that they be thoroughly reviewed and removed if adequate supporting documentation can not be provided. 

Please supply documentation proving that I was late on this account. If you can not provide clear evidence to support this reporting, I respectfully request that you delete these erroneous late payments from my report in accordance with U.S.C. 15 1666B, which mandates that a creditor can not treat payments as delinquent without proof. Additionally, per 15 U.S.C. 1681a ( 2 ) ( i ) ( 2 ) Exclusions, the term consumer report excludes information based solely on transactions or experiences directly between the consumer and the reporting entity.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I got a loan for {$500.00}. I've paid {$96.00} the first pay back XXXX week after I got loan, and {$66.00} every week since I got the loan. Today 's date is XX/XX/XXXX, I've done paid the {$500.00}. plus interest and they are saying I owe still owe them {$2500.00}. That's crazy!! I would've never signed up for that. It was a pay back of almost {$700.00}. is what I agreed to or thought I agreed to. I can not afford to continue to pay these amounts of money.
Product: Credit card or prepaid card

My billing statement shows ( 2 ) Transactions for {$1000.00} each on XX/XX/19 along with numerous fees however, on XX/XX/XXXX we were in XXXX ( my associate and I ), I have the flight times and numbers from XXXX so there would be no way we could make this purchase. I know I personally did not make either charge and I asked my associate who advised he did not make the charge either. When going online to Report a Problem it does not give this option for some reason. I have never had an issue with any of my accounts I honestly can not believe this has happened.
Product: Debt collection

Walmart has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : $ {$15000.00}
Product: Checking or savings account

There had been fraudulent debits occurring on my Chase checking account. Chase refunded money the first time and recommended I close the account. Upon going to close my account, Chase told me my new account was to be downgraded and now subject to a monthly fee and lower interest income so I opted against it. The fraudulent debit has returned under a different merchant name and Chase is putting liability on me. Not only can I not contest, but I also have to pay for a stop payment.
Product: Student loan

MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified and provided proof of payment to the credit reporting agencies that the balance owing for XXXX is not accurate and it was seated on XX/XX/22. 

The response I received from the credit reporting companies is that the balance is accurate, I also submitted proof of payment from the collection company, but still no resolution as of today. 

Company is Transunion.
Product: Student loan

i have told them that i can't make the payment because i have enrolled in school and trying switching jobs.
Product: Debt collection

After checking my credit report i have found a total of XXXX hits on my credit report. I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house. I needed to have remarks removed from three accounts. I called on Monday XX/XX/XXXX, I spoke with an XXXX from Equifax in the dispute department. He was very unprofessional. He was having a conversation with his wife in XXXX before he realized that he did not mute the phone. I would ask him questions to make sure he understood what I was requesting and he would have me on mute and would take several seconds before responding to me. I just wanted to make sure that he was opening the correct dispute because it did not seem like he understood. After I got off the phone with him, I call back and spoke to another young lady who assured me that everything was done correctly. Then on Wednesday I received an email from my lender explaining that one remark had been removed on XX/XX/2021 but the other two were still there. I call Equifax back and spoke with a third person who also said that everything had been submitted correctly. Then on Friday I received another email from my lender stating that the remarks were still there and that one of the remarks was now updated to be reinvestigated. I called Equifax back and spoke with a lady name XXXX in customer service. She advised that all the dispute were entered correctly except for one. Previously I had been advised by three other people that the disputes were put in correctly and now I am being told 4 days later that one was in fact put in incorrectly. She closed the incorrect dispute and reopened it correctly. Then she advised that it could still take up to 30 days, which I thought was unfair at this point as it wasn't nothing I did but something that one of their employees did. At this point she said that she could not move it alone any quicker and I asked to speak to a supervisor/ manager. I was then advised that she would not transfer me to her supervisor and that there was nothing no one else in their company could do to help move this alone. I feel like this was very unprofessional as I know that there is an escalation process in place that could move this process alone.