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

In XX/XX/XXXX I paid XXXX to my credit card, the specific date was XXXX. I pay my credit card as soon as I get paid and due to XXXX pay being early I paid earlier than I usually would. I did then not make a payment until XX/XX/XXXX, thinking that both months were covered. However these payments were communicated as being outside of the period from XX/XX/XXXX- XX/XX/XXXX. I would like to point out that XXXX is well above the minimum required payment of XXXX which was expected before XXXX. I then paid a further XXXX on XXXX. Due to this human error I have a late payment on my credit rating, which is causing significant issue and is not on my XXXX XXXX report as " high impact ''. It is due to be " optimised '' in three months ( states that it does so after XXXX XXXX however I have read elsewhere it can stay on your report for 7 years. Is there anyway that this can be looked into. I have formerly spoken with XXXX who advised there was nothing they could do. I contacted the ombudsman however heard nothing back. I would really appreciate some help with this, as although the payments may have been out of periods due to human error, it was not missed. I paid XXXX across a 5 week period. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for failing to properly update my student loan account in accordance with federal laws and regulations. 
XXXXViolation of XXXX ( XXXX XXXX. XXXX ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( XXXX ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a XXXX number to my account, which has not been disclosed to me. 
XXXXIRS Form XXXX Confirms Loan Discharge : I have an IRS Form XXXX issued by XXXX XXXX XXXX, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( XXXX XXXX Code XXXX ( a XXXX ( XXXX ) and XXXX XXXX XXXX ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed. 
3.Securitization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. CXXXXe XXXXe ( XXXX ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading. 
XXXXXXXX & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied. 

XXXX Requested : I demand that XXXX XXXX XXXX XXXXmmediately update my account status to paid as agreed in all their records and with all credit reporting agencies. 
Provide full disclosure of all securitization transactions related to my student loan, including XXXX documentation and any associated securities filings. 
Cease any further collection actions and confirm that the account is correctly updated in writing within XXXX business days. 

Supporting Documents : Copy of IRS Form XXXX issued by XXXX XXXX XXXX 
Documentation proving securitization ( CUSIP attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the XXXX, FTC, and the Department of Educations XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian on XX/XX/2018 I gave them all the account information inorder for them to investigate and I get some automated email on XX/XX/XXXX saying that this will not be changed and there investagation is complete! Investagation done in less than 8 hours not posable and they did not offer any supporting info to prove an investation took place which it did not clearly! I also am unable to reach anyone by phone or email at all! I have submitted another dispute with the same info I provided the first time and I am sending it both online and by mail, this is clearly not ok they have our life in there hands which they already sold and caused tons of problems for me with Identity theift ( and they do nothing to help with that even though it was their fault ) How can they get away with these practices why have they not been shut down are they that much more powerful than any other can anyone step in? How many complaits have to be filed to effect a change or is that something that no one can touch they just do what they want holding us all to their mercy!
Product: Debt collection

I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of XXXX late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Product: Credit card

I have been an employee of XXXX XXXX XXXX XXXX for nine years now. I have had my Dillard 's American Express card since XXXX. In XXXX of XXXX I was having issues with my card. It was not lost nor stolen, just worn. I contacted Wells Fargo Customer Service to request that they send me another card. They sent me another card via XXXX XXXX XXXX. I have been using my card continuously since then. I attempted to use my card on XX/XX/XXXX to receive the double discount Dillard 's allows their associates four times a year ( employee discounts are linked to their cards which they must use in order to receive any discount ). My purchase was declined twice and I could not understand this since my balance is XXXX and I have a {$2500.00} credit line. I immediately contacted Customer Service and spoke with a very rude representative by the name of XXXX and was told that I called on XX/XX/XXXX to report my card as lost or stolen, which I did not do. She also insisted that I had to wait over a week for my new card and there is nothing she nor I could do about it and that if I want to contact my attorney that it was my chose to do so. I allowed her to know that double discount is only through Thursday XX/XX/XXXX and this was not my fault but she continued to speak to me as if I had did something wrong. I then requested that since calls are recorded for quality and training purposes that I would like to hear the call I made on XX/XX/XXXX to report my card as lost of stolen. She then placed me on hold and came back to advise that upon further investigation she found that my card was shut off on XX/XX/XXXX by Wells Fargo because the new card that they issued to me in XX/XX/XXXX should not have been sent to me overnight, and that it should have been investigated prior to issuing a new one. First of all, I never reported my card as lost or stolen in XX/XX/XXXX, I called to request a new card because the one I had was worn. Secondly, I never requested at that time that they overnight the card to me, they made that decision and only after they verified my identity. Thirdly, I have been using my card continuously since XX/XX/XXXX with no problems. I can clearly see that shutting my card off now was a matter of Wells Fargo trying to cover their buts and rectify something that should have been done seven months ago and doing so at my embarrassment and inconvenience. I was in the XXXX XXXX XXXX for many years and I am absolutely sure that this was all due to an audit although they would not tell me this. I also would like to mention that this is no reflection on Dillard 's, this is solely Wells Fargo once again scrambling to cover up for their mistakes and making their customers pay for it.
Product: Credit card or prepaid card

Capital one Account Number : XXXX {$4600.00} Capital one has the above account list as a collection on my credit report. I am not aware of the full details of the charge from XXXX rental company. Ive contacted capital one and XXXX and neither have been able to provide me with an itemized bill. XXXX representative stated that the bill kind of matches a tow receipt the company charged me for but the system deletes every six months so there's no way of knowing exact charges. They have reported this to my credit bureaus knowing its in accurate and un accounted for.
Product: Mortgage

I 'm just not sure Seterus really understands my position in their claiming to be the new servicer of my loan. 1 ) I have not received notification or any communication from the owner of the loan which to me provided the proper 'authorization ' to then begin working with me ... 2 ) Because of # 1, Seterus continues to do nothing but harass me because of 3 ) I have notified Seterus that the information they have is incorrect and if they look closely, they can get a sense of what I am stating is true. a ) I have stated XXXX had my insurance information and it 's all documented with the CFPB, would one really lie about 'documentation ' when obviously that whole point in stating that is because it can be pulled up ...??? b ) I have mentioned the balance otherwise being incorrect partly because XXXX was not applying payments properly. Obviously Seterus has my payment history and clearly they can see payments were being made twice a month but only posted later in the month and common sense tells you I was paying like that for a reason and that reason which is very common in mortgages is to pay the loan down more quickly, not to give the bank money ahead of time for them to use as they wish ... c ) the balance also was not correct due to some fees that were charged and Seterus can see those fees in those records as well. 

It 's not up to me to have Seterus be judge and jury ( they asked for all this documentation ), it is for XXXX and XXXX to work this out but XXXX XXXX XXXX has refused to look at the history of my correspondence even though I 've told them numerous times exactly when the insurance information was provided ... I 've tried to contact Fannie Mae and no response from them. Based on this, Seterus needs to tell someone that these issues need to be worked out before resuming with this account. At this point it 's a bad account and for no other reason than that Seterus does not have the correct information, Seterus seemingly refuses to accept the information is wrong but at least in my opinion Seterus is digging a pretty deep hole by continuing to harass me and threatening foreclosure ...
Product: Debt collection

On  XXXX   XXXX   XXXX , I discovered a collection account at   XXXX   and  XXXX . The original date of the account was  XXXX   XXXX   XXXX .   I have NEVER received any communication from the collection agen cy, State Collection Service, that they had a collection account open for a bill  I owed.   Instead of notifying me about the collection account, so that I could pay the bill in collections in a timely fashion, then after taking no action to contact me regarding the collection account for  FOUR  months, they reported the account to the credit bureaus Now that the collection account is shown on my credit reports, it will hurt my credit rating and will stay on my credit record for a long time.
Product: Debt collection

I opened a Victoria Secret credit card XX/XX/XXXX, and fully paid the principal as well as all late fees XX/XX/XXXX. The bank decided to wait to put this towards my balance until the day after another late fee was issued. After {$340.00} in late fees ( which was over double what my account limit was which was a {$100.00} spending limit ) it was sent to XXXX XXXX agency. Comenity bank says they have no access to any payments that were ever made and XXXX says that only the bank has access to my payments and amounts. The collection agency was sold this account on XX/XX/XXXX, yet did not report it to my credit until XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX I applied for a card only to find out the someone had already got a card in my name, I then contacted American Express and the took all my information and told me someone would get back to me and I receive a letter about 2 weeks we later stating that there was a XXXX XXXX account that was in my name and payment was made from. I contact XXXX XXXX XXXX and they told me they could not find any records of my account, with them at least in my personal information. I then wrote to them to ask for help with the matter and no response and it's now 45 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a copy of the text that I received to there XXXX. I received a text stated that " A suspicious Activity Detected On Your Debit/ATM card so we placed A Restriction, To Verify your identity Follow XXXX XXXX XXXXXXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX ), has violated 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX and Zelle and essentially am being refused my money back. I filled out an online loan form, with my bank account information. I was contacted by a loan company who then said I was approved and deposited money into my account. They immediately started threatening me that I would go to jail if I didnt send it back immediately, I was terrified so I sent it back how they told me to, through Zelle XXXX The money they sent me dissapeared from my account. I would never willingly send scammers my own money, Im not an XXXX. They also disputed charges while being in my account. I understand the type of transaction zelle is and how it is impossible to get a refund on transactions but I dont understand when the person who received my money has a connected bank account through Zelle and it should be easily traced and be able to be returned considering they scammed me out of my money. I am a single mom and this will literally make or break me.
Product: Vehicle loan or lease

XX/XX/2017 I made my vehicle payment and Gold acceptance/Reliant financial just came and took my vehicle. I was never over 30 days late on any payment to them. When I called them they told me I had to pay it in full before I could get the vehicle back. Then they sold vehicle and would never send me a copy of the sales receipt from the auction house. They had my account closed as a Profit and loss charge off..now it states in collections and I have been getting charged a lot for so called unpaid balance. The original balance was {$3000.00} now it's {$8900.00}. First and foremost they took a vehicle that was being paid for every month and now they are robbing people blind. 
. -- This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right.
Product: Debt collection

New information as of XX/XX/year>. Previous private Complaint XXXX is my initial claim. I am filing a new public complaint because I am afraid the company is tarnishing my identity, and I have new information. I mentioned XXXX  borrower defense in my first claim. However, I contacted XXXX University on XX/XX/year> and spoke to XXXX XXXX, and they mentioned that the last semester I attended, a debt was charged for tuition. So the creditor XXXX XXXX  and Ability Recovery Services the company operating on their behalf are not considering my borrower defense. XXXX XXXX  is saying I did not receive XXXX my last semester attended. I applied for XXXX every semester I attended. The university was found guilty of fraudulent tactics. The semester does not matter. XXXX XXXX  failed to set up a payment plan fee, lump sum, or installment percentage, or notify me of the amount before the semester started. Once the funds were rescinded, they automatically said I owed them. The financial agreement was never confirmed and does not supplement fraudulent tactics. XXXX XXXX  mentions you are responsible in the application for admission but did not show a breakdown of my bill for the semester 's payments were rescinded or when I was billed directly or withdrew. It was proven to be a fraudulent business during times of high unemployment and an unreliable degree ; they claim I owe them for over 3 years ago, which may be violating the state law from where Ability Recovery Services is legally located. I checked my credit report, and it has XXXX different remarks : disputed on some credit reports, charged off, and meets FCRA, which is an incorrect message. Account showing closed on certain reports. It is confusing, and it is not consistent with high standards. XXXX XXXX  is violating my XXXX https : //studentprivacy.ed.govXXXX by reporting to Ability Recovery Services. XXXX has already been proven fraudulent by the XXXX XXXX XXXX Settlement https : //studentaid.govXXXX and my FCRA The Fair Credit Reporting Act, 15 U.S.C. 1681 rights, and CFPB rights.
Product: Vehicle loan or lease

I made a payment of {$360.00} on XX/XX/XXXX and it was processed and completed on the XXXX I even have confirmation emails and a picture stating that it was completed and taken out of my bank account. So the balance that I owed went down, I was notified XXXX days later saying that we are past due and the balance went back up.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
DEPTEDNELNET- XXXX DEPTEDXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXXXXXX ( please see attachments ) This account attached XXXX the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Experian is still reporting this inaccuracy to my credit profile. 
Please see attachments that I sent in last month with the FTC report and Police Report. I expect this account to be updated and removed from Experian within XXXX hours. 
Thank you
Product: Mortgage

XX/XX/year> we received the check from our insurance company ( XXXX XXXX XXXX ) for claim number XXXX for {$75000.00}. That is partial check for the repairs after the hail. Mortgage company Planet Home Lending had to endorse the check and release the funds to me and my wife in order for us to start replacing our roof. They received the check XX/XX/year> with all the paperwork they requested from us. Since then we call them everyday and ask to send us the check to start the work. We have underage kids, our roof is leaking, mold started to accumulate, the electricity is flickering, the weather here in Illinois is getting colder and soon we won't be able to replace our roof because the winter is coming. The lender told us that they will be releasing partial payments and will be sending their inspector to check the progress of the work. We are still waiting for the first check to be sent. Our contractor can not even order the material for the roof and today we were told by the lender that they will send the check soon for {$10000.00}. The replacement of the roof cost {$100000.00}, the contractor asked for 60 % to start the work, he needs at least XXXX just to order the material. We explained this to our mortgage company and they told us to use our own money which we do not have. We asked to at least send enough money to start the work but they refused. We offered them to even send the money directly to the contractor but they declined. We talk to them and ask for help everyday but they refuse. We don't know who to talk to anymore. We are running out of time. Our mortgage company told us different excuse every time we called. We requested them to email us all their decisions through email in writing but we never got any written response from them. Please help us to fix this situation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Equifax dropped my credit score XXXX point due to a {$2.00} decreased via my ( secured safe building acct } ( XXXXXXXX XXXX ) On XXXX Equifax only gave me XXXX points for the same reason they decreased my score by XXXX points. please see attached