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

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A relative had taken out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX United States XXXX Texas and used me as a reference. Every week 4 times a day I get a phone call about the relative that has not paid the loan and I did not sign for the loan. I have told them I will reach out to her about the debt that she owes her and yet they still call my phone every week looking for her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furmish a account without my written instructions.
Product: Student loan

I was in contact with Mohela to discuss my loan consolidation. They explained that the loan repayment is higher due to interest added to the consolidation. I asked if I could cancel the consolidation. The representative stated yes she could and that it would need to go for approval. I asked if they could send the information to me via postal service. They sent me the consolidation letter again, stating my repayment date is in XXXX. When Biden stated the repayment will begin in XX/XX/2022. They are trying to ruin my credit and I no longer want to be in the loan consolidation program. They did not follow through on their promise. Mohels acted fraudulently.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have auto pay set up on my mortgage account, I have attempted to change the account in which it was withdraw from ( XX/XX/19 ) by calling into to Flagstar mortgage company phone service. 

Unbeknownst to be my biweekly payment scheduled was changed, and payment was taken from my account 1 week early in the amount of {$1400.00}, on XX/XX/19. I called the company on XX/XX/19, after realizing that the early payment had posted, and they informed me that they were unable to reverse my funds, or unable to assist me with overdraft fees over the phone. They assured me that the payment schedule would be changed back to my original payment schedule. 

I called Flagstar back on XX/XX/19 to ensure that my payment schedule had been changed, however they informed me that it had NOT been changed, and I was scheduled for another automatic payment on XX/XX/19, once again a week earlier than what I had previously authorized. At his time ( XX/XX/19 ) I elected to cancel the auto payment system. 
I specifically asked and I was specifically told I would not have another payment removed from my account since, I stopped auto pay. However Flagstar then removed an additional unauthorized payment of {$1400.00} from my account, causing over drafts ( XX/XX/19 ). 

I contacted by bank, to dispute this charge, and reverse this charge. 

My complaint is that my payment scheduled was changed without my authorization. My attempts to resolve this issue with Flagstar were met by many roadblocks, and I believe their policies are overly arbitrary and cumbersome. I believe that these practices are predatory, and warrant further evaluation by your agency, as I am sure others have experienced issues with this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on all TransUnion and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint XXXX XXXX  on XX/XX/2023 and received the results from Trans Union File XXXX XXXX regarding the 4 items illegall reporting on my consumer file. 

It states the information was verifified : Question : How is this information verified when I have read CFPB Advisory opinions and various other articles as well as I alone have copies of the Gramm -Leach -Billey Act which states : -A Consumer must be given the opportunity to opt out of credit reporting. I never received the opportunity.

-A Consumers right to privacy.

- A consumer must give wriitten permission or some other form of consent. 
I never gave the companies listed below any wriiten permission or any other firm of consent to anyone at anytime. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have worsened the situation by verifying information that should not be on my report in the first place. 

These companies are making me privy to collecting even more compensation from them due to each time they verify is creating more damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Debt collection

I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I went to look at my free credit reports and found an address in Illinois that was never mine and the person at that location opened an account with XXXX XXXX for {$6800.00}. I contacted Acceptance Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last 4 digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.
Product: Vehicle loan or lease

XX/XX/2022 PAYMENT XXXX they put on my credit report I was 30 days late which I wasn't they even removed the late payment I talked to about 20 people to resolved this but they don't care they haven't reported payments either to all 3 credit Bureaus even the amount still not accurate I asked them to please remove it it's stopping my home loan they said they will not. It shows I called to make a payment but the phone teller didn't post it so its not fault I called back in notice the money was still in my account but I called back in they posted it the lady apologized to me. She said I see she forgot to hit some button to post.
Product: Checking or savings account

I believe I was a victim of SIM swapping based on the nature of my incident. My Bank of America account was depleted of over {$15000.00} while I was recovering from a serious case of XX/XX/XXXXand in the hospital for 10 days. Incapable of using my phone let alone make purchases of the amounts made on my account. I noticed the fraud when I attempted to make a purchase using my XXXX account which is linked to my bank for a few hundred dollars and being informed it was declined. I then went and looked at my online banking with B of A and noticed a charge the week prior for {$7600.00} and another one that day for the same amount. Not including international charges close to another {$500.00} from a company in the XXXX called XXXXXX/XX/XXXX. When I looked it up it turned out to be from XXXX. Apparently my money was used to purchase some kind of XXXX. I emailed the contact from their website and informed them of what happened and filed a dispute with BANK OF AMERICA on XX/XX/XXXX. They said they had to investigate and would get back to me. Today is the XXXX and I just received an email from the XXXX people saying they were sorry and couldnt help me. I am broke and just got out of the hospital and B of A Is investigating a claim for XX/XX/XXXX which I was under the notion wasnt even legal to but with US banks. If they deny my claim that is all of my unemployment money I have and everything i have saved. It will destroy me. Please help make sure I get my money back.
Product: Debt collection

Exeter Finance LLC has refused to remove this account and balance after they have charged it off as a profit and loss item. They have violated federal laws as reporting requirements state that once an item it reported as a charge off or written off that the account becomes income to the account holder. I have requested the 1099-c as required by the Fair Credit Reporting Act and Income can not be listed on a indiviuals credit report. 
Please remove this account from XXXX, XXXX and XXXX XXXX and reporting records. This account is reporting illegally and incorrectly.
Product: Mortgage

I had an existing loan with NewRez shellpoint. I refinanced the loan in XXXX of XXXX with the same lender to satisfy my divorce settlement. I pay my property insurance via mortgage payment. On XX/XX/XXXX of XXXX I called my Insurance provider to report a snow related incident and was told that Newrez stopped my insurance XXXX of XXXX. This was a surprise to me as I even received emails from Newrez saying that they were paying my insurance. They acknowledged their error and assigned me a lender placed insurance. Before the adjuster arrived, I had a partial collapse of an outbuilding of which they gave me a separate claim #. At this time, they are denying the claim saying they dont cover outbuildings ( The policy I had did cover outbuildings ). I have spent hours on the phone with them. They just keep bouncing me around and accidentally hanging up on me. I absolutely had no reason to believe I was uninsured. My loan requires me to have insurance. I was without insurance for a year and a half. They led me to believe I was insured. I payed to be insured.
Product: Student loan

I have federal student loans which I am paying for the past 4 years and have been making larger then required payments for the past year. I submitted my IBR resertification form before the deadline and after receiving a letter on XX/XX/XXXX about a denial and need to send additional documents such as a pay stub because my income changed significantly. Of note I was not notified about this during my initial application. I submitted the required document and was told to wait for communication prior to XX/XX/XXXX. On XX/XX/XXXX I received a letter saying that my min payments have gone up and my interest capitalized because of resertification delays. I contacted XXXX and informed them about the fact that delays in their processing are causing my interest to capitalize and payments to go up and after speaking to 4 people they agreed to review my case. Since there was an error on my account my automatic payment was canceled for the month of XXXX but the servicer was Unable to answer if this would increase my total interest by 0.25 % for not being enrolled in autopay for the month of XXXX. 
To conclude, the customer service workers lack knowledge and tend to only read what ever the last note was posted on a given account. I request that my interest capitalization be reversed immediately with appropriate resertification of IBR prior to my next payment date on XX/XX/XXXX in order for me to re enroll in auto pay and avoid paying the higher interest during the time I have to wait for this error to be resolved. Thank you.
Product: Checking or savings account

I had to leave my job for medical leave and I didn't have any funds going into my checking account. I was able to use my debit card to overdraft twice maybe three times. After the second time or third time I was unable to do any type of overdraft on my account and I had called several times concerning this matter. I was always told there was nothing they could do about it. Even though I had " Next Day Grace Overdraft Protection '' I couldn't use it for small items like I was told I could when I signed up for the account. I tried on several occasions to try and make small purchases on my debit card which were all unsuccessful. So, knowing I didn't have income no longer coming in and the overdraft not allowing me to even do that I simply just haven't been checking my online banking. Recently I logged in to take advantage of the " XXXX XXXX '' tool CapitalOne has to offer and suddenly I'm $ -XXXX. The bank had allowed XXXX to overdraft my account twice in the amount of {$11.00} and added two {$35.00} overdraft fees as well. The first charge of {$11.00} and the overdraft charge of {$35.00} was in XX/XX/XXXX. The second charge of the exact same amounts were charged to me in XX/XX/XXXX. Again, I'm told there's nothing they can really do about it because they can't control what can be over-drafted and what can not be. The last substantial deposit was made in XX/XX/XXXX in the amount of {$210.00}. Once the money ran out, again I tried to use it for small purchases and a couple of large purchases as well just to see if it would let me use my card the way I had it set up to use. All transactions were denied to insufficient funds. I just don't think it makes too much sense as to how when the account had a continuous deposit I was not allowed to overdraft in any way shape or form. The card stops its flow of money and then it gets allowed to overdraft knowing there is not a steady income so I'm probably not going to be able to pay due to no job? I believe this is a complete mess!
Product: Debt collection

I FILLED OUT COMPLAINT WITH FTC,,, I ASKED FOR THIS TO BE REMOVED, STILL NOTHING,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXXXX/XX/
Product: Debt collection

I did not consent to authorize nor benefit from the listed account ( XXXX ). XXXX and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items from my Credit File at the earliest possible timeXXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/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: Credit card or prepaid card

On XX/XX/21 I received a Netspend All-Access prepaid debit card in the mail. The debit card account is in my name, and I have no knowledge or intention of requesting this account. Im not sure how they received my personal information, but I think what they are doing is wrong. 

I didnt ask for this card. I dont want this card. I assumed that my identity had been stolen and someone fraudulently opened an account in my name before I did research into why I received this card. I dont think its a very honest advertising tactic to send someone an unsolicited debit card in their name through the mail.
Product: Checking or savings account

Someone sent me money through Chime in XX/XX/2022 I just wanted to withdraw funds but XXXX XXXX created an account for me and sent me a debit card I never activated. I tried to get out the funds this week and then a couple days ago get a letter that they closed my account. They are also refusing to give me my money back. I wrote them and they said Your account has been closed by Chime and is not eligible for a refund.