23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently contacted XXXX XXXX, to replace the floors in my Home. I was approved for a Loan with Wells Fargo and was told my monthly payments would be {$360.00}. The agreement was to pay on the XXXX of each Month. I signed everything and have not missed a single payment. I recently noticed a {$40.00} late fee for making a payment on the XXXX instead of the XXXX. I was honest and mentioned to the Wells Fargo Representative that I'm currently undergoing XXXX XXXX  and I requested to change my due date. Wells Fargo declined to change the due date until I pay them the {$40.00} late fee. I told them that I was not able to do so. Wells Fargo started calling to collect the " Past Due '' amount. I told Wells Fargo at that time that I had already made a payment. The Representative told me that she was calling to collect the payment for the following Month. I asked if it was ethical to collect a payment that was not due yet. She pressed on to collect the payment which was not due yet. I politely asked Wells Fargo to cease and desist any form of communication with me. Wells Fargo has since violated my request and they continue to call to collect a bill I have already paid. Prime example ; I was due on XX/XX/XXXX. I paid {$370.00} on XX/XX/year>. On XX/XX/XXXX, Wells Fargo contacted me to collect a Payment I have already paid.Why? I think Wells Fargo is disregarding my request and is engaging in intimidating and harassing me on purpose. I signed a contract to payoff the loan in 4 years. I'm 6 months into my 48 months. I need the bullying to stop once and for all.
Product: Debt collection

I called Santander to settle a closed account that was closed in 2015 due to repossession. I called from a recorded line and have verification that the account was settled for {$1500.00} - I told them this was all the savings I have as my family is homeless and they took the payment and swore 7 times that this would be taken off my credit report - I disputed the information with XXXX - providing receipts and the dispute came back as accurate and it was dismissed despite my verification. I still cant get a home for my children and I because of this appearing on my credit report - despite me paying this company and having them swear on a recorded line it was settled and would be removed from my credit report I have audio documentation and receipts. Im writing this from the car we sleep in. I cant sleep from anxiety this is causing. I have XXXX young children Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. 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!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX Cc : FTC XXXX XXXX
Product: Mortgage

on XX/XX/XXXX I got a call from PennyMac about lowering rate and lowering my payment. When I called in I was told that I could not lower my payment because it would cost to much. This is not the first time they have called and said that they would lower my rate and payment and told me after I called them back that they can't do it. On XX/XX/XXXX I was very clear with PennyMac that I no longer wanted any communication phone, email or mailed unless it was my statement and to cease all communication. I was told they would note the account and was told to have a nice day. on XX/XX/XXXX I got an email from PennyMac asking me to call them back to lower my rate once again. When I called in to ask why they are still sending me emails I was told that the agent had no idea and that he could clearly see that the account was noted to no longer contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

American express has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Product: Student loan

Context : I had a different student loan server before covid and during the " Student loan pause '' it got switched to Ed Financial. 

My monthly payment is {$50.00} and within that, interest is about {$7.00}. I paid {$200.00} to get ahead and they took out {$83.00} in interest. I called to ask why and they could not give me an answer and I left the 40 minute call without a resolution. She agreed that the numbers did not add up but she said there was nothing she could do and could not provide a breakdown with real numbers. 

I also paid {$300.00} ( in addition to my monthly payment ) before i saw the breakdown and immediately called. I asked if she could cancel the payment until we figured this out and she said there was nothing she could do. The payment is still pending as I type this. I'm worried they will the the same to that payment. 

Lastly, the numbers on each of my 3 loans do not add up to the numbers in my FAFSA account. They are each elevated and she also said she could not do anything about it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX XXXX XXXX  | {$10000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on Equifax ending in XXXX XXXX. 
And for XXXX and XXXX account XXXX. I was notified that this information was verified as accurate and correct. 

As of XX/XX/XXXX, AND XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for XXXX or Equifax.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ).

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Product: Debt collection

Bonneville Collections purposely violated XXXX laws in an attempt to collect a debt for XXXX XXXX. XXXX did not make a good faith effort to contact me via phone or mail. They filed a court case against me in XXXX XXXX, which is public records and how I became aware of the debt. Additionally, they attempted to serve me at my prior residence where they know I do not live. They must know based on the fact XXXX in XXXX XXXX but the attempt was made in XXXX XXXX. All of this is an attempt to make the issue public and create shame and embarrassment so I just pay them. 

The debt itself is erroneous. I am divorced and my ex got the house and I moved out. I notified XXXX natural and they said no problem. When I got bills for the ongoing usage, I contacted them, reminded them I am no longer responsible for the household, and offered to send them the divorce decree. They finally discontinued service but failed to backdate the change appropriately and apparently sent me to a second rate collection agency.
Product: Credit reporting

There was an account opened with XXXX I have never opened an account with XXXX. I am a victim of identity theft. below you will see. 

Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 32 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$3100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Charged off as bad debt Purchased by another lender Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX, TX XXXX ( XXXX ) XXXX Direct Dispute
Product: Credit reporting or other personal consumer reports

This is to inform you of the Data Breach my personal information. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. But these inaccurate reportings are a violation of a FCRA 605 ( b ) and 15 usc 1681. 
I demand these inaccurate reportings to be deleted immediately.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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: Credit card or prepaid card

Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!
Product: Vehicle loan or lease

I made my last payment after they received the payoff amount. And agreed to refund me {$600.00}. Then stated when I called that they mailed me the wrong check for {$1100.00} and to disregard that. So I shredded it and never received my new check for {$600.00}. It has been weeks now with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and Experian has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Product: Credit reporting or other personal consumer reports

Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.
Product: Credit card or prepaid card

I was going through my credit file and I was surprised to find that there are several past late payments on my credit report from my capital one accounts. I've also attempted to resolved with them several them and I yet to get a response from them or even get it updated from 3 major credit bureaus. Also all 3 major credit bureaus are reporting different information about the same account from my Capital ONE. 

LATE PAYMENTS THAT NEEDS ATTENTION : CAPITALONE : Account # XXXX XX/XX/XXXX to XX/XX/XXXX Also CAPITALONE : Account # XXXX XX/XX/XXXX-XX/XX/XXXX I understand mistakes happen, but I received a copy of my credit report and found the following items to be in error. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit card or prepaid card

I have multiple things on my credit report I did not apply for. Chase credit card like 10 times in a year and I've never applied. Pretty sure ex wife is using my info to apply.
Product: Student loan

I received an email from MOHELA stating that my student loans have been accuring interest during forbearance. I am on the XXXX plan, and according to the XXXX plan if you pay what you owe each month, your loans won't grow due to unpaid interest. My account has been put placed into foreberance and my loans have 0 % interested marked for them. I should not have interest accruing on my loans. The interest should be taken away as it should not be applied to my account that is under the XXXX place, in forbearance, and marked 0 % interest for my loans.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Inquiry Regarding XXXX Accounts Under FCRA Guidelines Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of accounts that have been XXXX those that reflect a 100 % discharge. 
would like to reference the Fair Credit Reporting Act ( FCRA ) and its implications on the reporting of such accounts. 

According to the FCRA, specifically under 15 U.S.C. 1681c, a consumer reporting agency may not report any information related to a XXXX case that is more than XXXX XXXX XXXX. Furthermore, under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their credit reports.

In my case, I have noticed that certain accounts that were fully XXXX are still being reported as active o. 

misrepresentation is not only inaccurate but also detrimental to my creditworthiness. As per the FCRA guidelines, I believe these accounts should be updated to reflect their XXXX status. 

I kindly request your assistance in ensuring that credit reporting agencies adhere to the FCRA regulations regarding the accurate reporting of XXXX accounts. It is crucial for consumers like myself to have accurate credit reports that reflect our financial history accurately, especially after undergoing the challenging process of XXXX. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed and ensure compliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adj Bureau and XXXX XXXX XXXX are double reporting on accounts # XXXX for Knight Adj and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information are erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the continued presence of late closed account in my credit file and It is evident that more concerted efforts are necessary to effectively manage and remove this adverse record. Despite the resources and measures allocated to address this issue, it is disheartening to observe its continued presence on my credit report. 

I urge you to conduct a thorough review of my credit report and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX illegally repossessed my XXXX  XXXX XXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX  has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX  has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. 

Thank you, XXXX XXXX
Product: Debt collection

I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Transunion is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. 

I would like for Transunion to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX.