23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/year>
Product: Debt collection

found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.
Product: Mortgage

AmeriHome Mortgage NMLS ID XXXX We applied for the Care Act to Covid19 work loss. We were approved, yet the company is sending threatening mail and calls about foreclosure and hurting our credit. Also, charging $ XXXX month late fees. We have talked to many people on the phone. I have been told that someone in the company named Mr. XXXX has not done his job by putting the correct information in their " system ''. Every costumer service person sees the notes for action to be taken, but it has not been done. 
XX/XX/XXXX Ms. XXXX employee number XXXX or XXXX said we were good until XXXX for the care act. 
XXXX? Ms XXXX XXXX extended our care act 2 more months XX/XX/XXXX Ms. XXXX sent an email to supervisor to review XX/XX/XXXX employee XXXX sent Mr. XXXX an email whom I was told was the person in charge of care act. 

XX/XX/XXXX employee XXXX gentleman said no action has been done on their part to properly help be secured by The Care Act We are only two months past due XX/XX/XXXX and XX/XX/XXXX payments. AmeriHome Mortgage is applying late fees and harassing us for our payments. We were approved online for the Care Act on the company website. This is very stressful during this time when we have experienced job loss, pay cuts, and deaths in the family during the pandemic. 

Also the company would call if your payment was late by 2 days before the pandemic. 
I would never recommend this company to anyone. I will gladly provide phone logs of all times they call, sometimes late at night.
Product: Credit reporting

I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX concerning the Bankruptcy that is inaccurate and reporting on my TransUnion Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to TransUnion and they do not report to credit agencies. TransUnion still has not removed the Bankruptcy. I want it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft and i have a car loan that was opened in my name fraudently with credit acceptance. I have filed an ftc report and police report
Product: Mortgage

Wells Fargo Home Mortgage refuses to let me make a payment on the forbearance COVID 19 mortgage payments for a 3 month period in 2020 totaling {$4200.00}. 

My credit score is XXXX and I have no debt except this mortgage With Wells Fargo {$260000.00}. 

Wells Fargo is listing the forbearance amount as a unpaid second principal balance of {$4200.00} on my mortgage statement. 

I am unable to obtain a mortgage for another property based on the issue above. 

It was not disclosed to me that I would not have the opportunity to pay this balance off until the end of the loan term which is 30 years. I will be unable to secure any addition financing during my lifetime based on this unscrupulous tactic. 

I want to pay the {$4200.00} balance off. This amount is not an unpaid second principal balance which makes my financial situation look derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed XXXX and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with Equifax since XX/XX/XXXX. Nothing has changed. I have disputed the item with Equifax, but they have failed to remove it.
Product: Mortgage

My wife and I apparently ( according the Nationstar Mortgage ) in 2012, took care of that issue. We received a letter stating that we owed {$1100.00} in late fee, I contacted Nationstar they confirmed the amount and that i needed to pay. After an hour on hold / transfers i choose to speak to an agent in the XXXX ( their call center is in the XXXX the person would not tell me even when asked directly ) After speaking to someone in XXXX, she said, " I reviewed your account and those fees were deferred '' so the first XXXX people for Nationstar would have gladly taken my money that I DID NOT OWE. 
Lesson - DO N'T TRUST NATIONSTAR, keep ever record I 'm currently hold in get it documented!
Product: Credit reporting or other personal consumer reports

It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following XXXX5 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Credit card or prepaid card

I purchased a new XXXX XXXX with a 1 year warranty from Kohls and it had a manufacturer 's defect that caused a part to break soon after I purchased it. I tried to work with XXXX to repair the scooter through warranty, but they were unable to repair it. I asked Kohls to return the item but they refused because it was past their return period. I asked Capital One to issue a chargeback because the item was not as described and the warranty was not honored. Capital One contacted Kohl 's and Kohl 's response was that I can return the scooter under their 180 day return policy, but the Kohl 's representative was mistaken and I am not able to return the scooter because it is covered under the 30 day return policy for premium electronics. Capital One refuses to give me any information on why they believe the transaction is valid and tells me I should contact the merchant. 

This is a dated summary of the events : XX/XX/XXXX - I purchase the scooter online XX/XX/XXXX - I received the scooter XX/XX/XXXX - Scooter breaks, I contact customer support XX/XX/XXXX - End of 30 day return window XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support responds saying return box was sent XX/XX/XXXX - Scooter was sent back to Segway for repairs XX/XX/XXXX - Scooter was delivered XX/XX/XXXX - I received scooter from manufacturer, contacted customer support saying the scooter was not repaired XX/XX/XXXX - Customer support requests more images/information - images sent XX/XX/XXXX - Customer support reports they will send me the replacement part XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support reports replacement part is not available with no known ETA XX/XX/XXXX - I contact Capital One for assistance XX/XX/XXXX - I receive a letter from Capital One saying Kohl 's believes I can return the scooter and asks for more documentation XX/XX/XXXX - I fax Capital One the documentation asked, and inform Capital One that Kohl 's statement is inaccurate due to a clause in the policy XX/XX/XXXX - I receive a letter from Capital One saying I did not provide enough information XX/XX/XXXX - I fax Capital One asking for more information on what was not provided and include additional information that Kohl 's statement is inaccurate XX/XX/XXXX - I receive a letter from Capital One saying I should contact the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan creditor, Higher Education Servicing Corp. is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. ( 2 accounts ) : Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX
Product: Debt collection

XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.
Product: Payday loan, title loan, or personal loan

The interest this company charges is 10 times more than a normal loan is this legit? I cant afford to pay it. I borrowed XXXX and owe XXXX I have made payments and I still owe XXXX. I need the interest to stop so I can pay what I borrowed
Product: Debt collection

Initial Filing XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Info Due XXXX XXXX XXXX XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Contacted By a XXXX XXXX XXXX  and Manager XXXX XXXX  XXXX, Regarding a Build XXXX XXXX upon Accepting the Call XXXX in California, I requested the Business License Information from the Manager, was told He can Do Whatever He Wants, including but not Limited to Filing a Harrassment Lawsuit against Me, for Requesting Information on this Debt. 

Advance Capital Solutions , Inc., XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ohio XXXX XXXX XXXX XXXX Ordered to Shut Up and Listen by Both identified Parties, calling From ( XXXX ) XXXX, upon Due Diligence it appears Advance Capital Solutions, IncXXXX XXXX XXXX  XXXX File # XXXX ) is not Authorized to Conduct Business in the State of California, and Is Violating the Consumer Fair Debt Collections Practices Act, Federal Law or State Laws in the Verification of this Debt. 

Furthermore, I am Seeking Financial Compensation for the Threats, Harrassment and other Miscellaneous Violations of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX I received an alert on my XXXXXXXX XXXX XXXX that I had XXXX new inquiries on my credit, XXXX from Ally Financial, which was XXXX of the XXXX institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " XXXX XXXX XXXX XXXX '' and it happened around the same time as the Ally Financial inquiry. I made a phone call on XX/XX/XXXX to Ally Financial and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXXXXXX XXXX XXXX  to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called XXXX XXXX, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX XXXX XXXX XXXX  and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX XXXX stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Product: Vehicle loan or lease

I am still affected by the covid 19 and need another payment waiver. I am not back to work yet.
Product: Credit card or prepaid card

On XX/XX/2019 I wrote to JP Morgan Chase Bank to the attention of XXXX XXXX CEO to advise him that I had come into knowledge that the Bank issued me a credit card with a credit entry and not actually money. It is illegal for a bank to loan credit in all 50 states. 
This transaction was not disclosed to me and the issuance of credit was deceptive and extremely fraudulent in that I was the only one taking a risk in this transaction. 

I let Mr. XXXX know that I am rescinding the contract immediately or in the alternate that JP Morgan to prove that the bank actually loaned assets of the bank. 

JP Morgan Chase Bank, Mr. XXXX refused to answer my correspondence and sent me a letter saying that the debt is valid.
Product: Debt collection

A company named Cooper Hoffman Klein and Associates called and stated they were investigating my bank account and I would be sent for prosecution for a debt for a payday loan from 6 years ago, they threatened to file a claim that would garnish me, send me to jail if I did not pay them XXXX today XX/XX/XXXX and the remained of the money in XXXX payments XX/XX/XXXX. I asked for proof the debt that they said they would e-mail me and I have not received anything they said I was a low life and I know I owe the money and it is time to pay. The represent themselves as a law-firm but I can not find anything about the firm. When I googled the company and phone numbers everything states it is a scam. They would not give me the address of the firm.They have called my parents leaving information about my so called debt while speaking with them. My parents are elderly and this is very upsetting to them. The phone numbers they call from are XXXX XXXX
Product: Debt collection

This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX  XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX  have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!
Product: Student loan

My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( seventeen years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX XXXX XXXX Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that XXXX XXXX XXXX XXXX could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts with Capital One and the have a service that brings up your credit score or FICO score. It has been in the low 500 's and when I check on my XXXX and other accounts, it's higher.
Product: Debt collection

False reports of date of account restaging date as new account need to supply all statements and charges from XXXX due to being detained in XXXX XXXX XXXX