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

I recently received a copy of my XXXX, XXXX, and Experian credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXXXXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, XXXX, and Experian making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Product: Debt collection

I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX  and with Ally. I have attached all letters with certified copies.

I spoke with XXXX  from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX  or t the above address.
Product: Student loan

I have a very " old '' student loan that I have been paying on forever. I am co-signed on this private student loan and have made ALL of the payments. Several years ago this was sold by XXXX XXXX to Nelnet ( doing business as Firstmark Services ). At the current terms I won't have it paid off until approx. XXXX - when I will be XXXX XXXX XXXX. 

The payoff as off today is $ XXXX.I have offered to pay approx XXXX XXXX down in one cash payment now and then request that the balance remaining be " re-financed '' as a 3-4 year loan. I was told this was not an option/not possible. I simply can not pay another 12 years of additional interest.

I need help with this. 

Thanks
Product: Checking or savings account

I been requesting a new debit card several times by secure message and they didnt follow my instruction, I called custoemr service and the call has been transferred like 3 times, waited more than XXXX minutes and then was disconnected. 
Please proceed with a new debit card to my mailing address on file
Product: Mortgage

I started the process to prevent my home from foreclosure on XX/XX/XXXX by submitting an application via hope loan portal ( case # XXXX ), which was handled by my housing counselor with the XXXX XXXX XXXX XXXX XXXX XXXX. Since that process has begun, I have been getting the runaround with my lender Bank of America who holds my mortgage. After submitted my application onXX/XX/XXXX, I received a response from Bank of America on XX/XX/XXXX stating that my application was incomplete due to missing documents, which included bank statements and tax returns. These items were received by Bank of America via hope loan portal. However, according to the representative with Bank of America, they were not in proper format. According to the representative, my statements could not be accepted because they were printed from my bank 's ( XXXX XXXX ) website. XXXX XXXX does not offer traditional bank statements without a fee and you have to request them to be sent by mail. I did not find out this information until 3 months later of which I received my bank statements in the mail. I sent my bank statements to Bank of America on XX/XX/XXXX via the hope loan portal per my housing counselor. I then received a response from Bank of America on XX/XX/XXXX stating my bank statements were rejected because it includes 4 pages of which the 4th page is blank. They are saying they can not accept the statements because the 4th page, though it is blank does not say " page 4 of 4 ''. Therefore, according to Bank of America my bank statements are incomplete. I have contacted XXXX XXXX to see if something can be done to adding page 4 of 4 to my bank statements. XXXX XXXX does not provide statements in that format. Therefore, I am unable to provide what is being asked of me from Bank of America.They are also stating they have not receive page 2 of 2 which has been submit via hope loan portal on XX/XX/XXXX. I have also resent these statements on three occasions between XX/XX/XXXX and XX/XX/XXXX through two different Bank of America banking center locations. Bank of America is still saying they have not received the complete statements. Because of this, my process in securing my home is being halted due to " missing documents '' according to Bank of America. Bank of America has also requested proof of my expenses of which I have provided copies of my utility bills on XX/XX/XXXX. I have also sent an itemized budget with my application. On XX/XX/XXXX, Bank of America responded with a request for proof of expenses. I have been informed by my housing counselor that it is likely Bank of America will soon be requesting for me to complete a new application because my application is more than 90 days old. As of today XX/XX/XXXX, Bank of America has not requested for me to do so. I feel as though I am not being treated unfairly in this process. I feel that I will lose my my home based on some technicalities beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX ACCOUNT # : XXXX!!! VIOLATIONS!!! 
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXX XXXX  ACCOUNT # : XXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 

Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

LAST DATE OF ACTIVITY : XX/XX/XXXX LAST VERIFIED : NO DATE REPORTED CLOSED DATE : NO DATE REPORTED REMOVE THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!! ! REMOVE THIS ACCOUNT IMMEDIATELY!!! 


XXXX XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ACCOUNT # : XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ERROR 1. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) HOW IS THIS ACCOUNT WITHOUT CLOSED DATE. 


ERROR 2. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) EXPERIAN : CONTINIOUS CHARGE-OFF FURNISHING AFTER CLOSED DATE. EXPERIAN IS NOT FURNISHING A CLOSED DATE ON THIS CLOSED CHARGE-OFF ACCOUNT, WHICH IS MAKING IT KEEP REPORTING EVERY MONTH EVEN THO ITS A CLOSED ACCOUNT ERROR 3. DATE OF LAST ACTIVITY : ( THERE ARE 2 DIFFERENT DATES OF LAST ACTIVITY, THERE IS NO WAY YOU VERIFIED ACCOUNT DATES OF LAST ACTIVITY IS NOT EVEN UPDATED ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR 4. LAST VERIFIED XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) ERROR 5. DATE OPENED : ( THERE ARE 2 DIFFERENT DATES OPENED, THERE IS NO WAY YOU VERIFIED ACCOUNT ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR 6. PAST DUE AMOUNT : {$420.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$420.00} EXPERIAN : {$420.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Mortgage

Please review exhibits A-E Also Select Portfolio Servicing who has the mortgage account XXXX which is a improper loan modification agreement because it is connected with XXXX XXXX XXXX   Conventional Real Estate mortgage loan number XXXX that I had no knowledge of the refinance mortgage loan from FHA to a Conventional mortgage loan.therefore since it is in connection with fraudulent activities this loan should be suspended and with an full and forensic investigation to come to a final resolution the evidence is in black and white without question so why is it taking so long to resolve this case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing a car with Nissan corporation I did not understand the seriousness of paying the loan on time because I was going through a hard time I was unemployed the time I was making payment late however since XX/XX/2016 I been making on time payments but the Nissan corporation continues to report told late payments to the credit bureaus which is derogatory on my credit score making it impossible for me to buy a house or even obtain credit
Product: Debt collection

I received a letter form XXXX XXXX XXXX, they are collecting an account on behalf Citibank NA, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me Citibank recalled the account from their office. I called Citibank and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.
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. 


Account Name : XXXX : Account Number XXXX Account Name : XXXX : Account XXXX XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Sallie Mae employees on more than three occasions have deliberately made inaccurate statements about what I need to do about my account, including supervisors that I spoke to about the issues. Add to that, they have kept my account almost a year over in forbearance limbo because staff at Sallie Mae, who seem to be paid for interest accumulations, would go on my account and made changes that were unauthorized or would call my co-signer, a XXXX year old person, and coerce her into making decision they know are not in the interest of my account. They have even wrongfully coerced her to pay money which was not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed to my credit report ... attached is my credit report of that XXXX account proving that there are misleading incorrect inaccurate items on my credit report .... clearly violating my rights!! THE EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS!! ONLY A XXXX PERSON DONT SEE THIS INACCURACIES ;!
Product: Debt collection

Southwest Recovery Services Collection company located in XXXX, Texas reported on my credit the same debt four times. 
First, I noticed that this company reported the same debt twice. It is a debt since XXXX. Then, I noticed that on XX/XX/XXXX they reported the same account twice again ( total of four times that same account ) now I have a total of XXXX. The debt is only for XXXX. I called them and a representative told me that i owe the money. I explained to him that it was wrong and by reporting the same account four times it was affecting my credit so bad. He asked me for my email address. I gave him my email address and he said that in a period of 48 hours he will send the documents to email. 48 passed and he never sent such email. I called the company and left my number, but no one returned the call and am still waiting for the email with the documents to support their reports to my credit. They also flagged my debts as if someone stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Mortgage

I attempted to file a complaint with OCWEN regarding late charges. My account has over XXXX in late charges and the rep who answered the phone showed no urgency nor did he seem to care it was a complaint. I 'm disputing the late fees, it is excessive and unfair. OCWEN and GMAC has waived fees for other customers and I should be treated the same and fairly. I am asking that OCWEN reduce the amount of late charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # 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
Product: Vehicle loan or lease

Wells Fargo Auto we are just now being told that our payment was going to wrong address after having loan for XXXX years with having to pay late fees just recently received letter XX/XX/2023 detailing Wells Fargo auto XXXX XXXX XXXX XXXX, Co XXXX this payment sent to wrong address for your account ending in ( XXXX ) we have been paying through our chase app which has address as Wells Fargo auto XXXX XXXX XXXX, XXXX TX XXXX XXXX been sending payment to them for at least XXXX years I dont believe I should have to pay late fees or have my credit affected
Product: Credit card or prepaid card

I have a Visa {$200.00} Gift Card from Vanilla Gifts and I am having trouble checking the balance and activating the card on their website. Their website has no customer service that I can email this problem. 
My account number is XXXX. 
I have attempted to activate my gift card using their website from multiple web browsers and clearing the cookies and cache.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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 XXXX
Product: Debt collection

Couple months ago I noticed a huge drop on my credit score, after checking my credit report I found out that I have a collection from my previous landlord ( XXXX  XXXX  ) where I moved out from in XXXX XXXX. They are charging me for repairs and those items are something I didn't recognize when I moved out. Such as repainting the whole walls, water leakage and molds. 

Before moving out, I have provided my new address, my phone number to the manager ( XXXX XXXX XXXX ) and they have my email in their system. I've also made an appointment with XXXX XXXX at the apartment for her to check the apartment condition right before moving out. She agreed that there was no issue regarding the repairment and we don't need to worry about it. Within 30 days after I moved out, I emailed XXXX XXXX to ask the status of my security deposit. No response. They also did not contact me about the repairment, so I thought there's no issue since we had the manager checked the apartment. I assumed if they think I am responsible for the repairment, they should have contacted me within 30 days after I moved out, instead of sending my info to collection agency after a year. 

After I discovered the collection, I contacted the collection agency and ask for more information. Also asked collection agency to provide proof such as pictures of the repairments to prove that this really belongs to me. Collection agency and XXXX XXXX  fail to provide the proof of debt. If this really belongs to me, I asked them to provide the photos of the repaired location/area before and after they repaired it. I have not yet recived the proof. 

Given that they did not care to contact me within 30 days after I moved out regarding the repairment, also they did not care to provide any further information/proof. I suspect this is a fraud collection. Becuase what they described does not match to what I saw and the manager said when I moved out. When I moved out, I did a full inspection and made sure I cleaned every spot. Hence, I believe I am not responsible for this collection. And this collection account shuold be closed. Any collection account on my credit report shuold be removed if they can not provide further proof.
Product: Credit reporting or other personal consumer reports

All loan balances were paid off by the Dept of Veterans affairs on XX/XX/year>. I was told by the loan servicer Mohela this would be updated in 30 days which would have been XX/XX/year>, but the balance still remains on my credit reports with XXXX and XXXX. I have tried disputing through both XXXX and XXXX, but no changes have been made. XXXX and XXXX both display a balance over $ XXXX for 12 student loans, when they should reflect a {$0.00} balance on all 12 student loans.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for XXXX  years of theft and fraudulent actions and activities?