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

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX  showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : Mercantile Adjustment Credit Agency who totally botched : XXXX
Product: Credit reporting or other personal consumer reports

I asked XXXX to investigate on the debt I am being charge for and to please remove it. They told me it was me and it was verified but they never sent me the proof that I was looking for.
Product: Debt collection

It appears that my credit/my file/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 account 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 ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$2100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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

Transunion  XXXX   XXXX  are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX /  XXXX   regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?
Product: Credit card or prepaid card

XXXX XXXX showing that I have an activity for credit card balance increase, where I do not have such BARCLAYS BANK DELAWARE credit card, and the balance showed {$13000.00}.
Product: Credit reporting or other personal consumer reports

These sales don't have a spot with me, and I have no relationship with the recorded credit supervisors. I wildly demand that they be expected out from my affirmation report.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Checking or savings account

The complaint is regarding my bank, PNC, refusing to give me access to my transactions in digital format older than 3 months. Despite contacting them several times over the past 9 days, they have refused to take any action to resolve the issue. They have only offered me paper statements, which are not suitable for doing taxes. As a result, I am unable to obtain the required transactional information needed to file my taxes, and would like to inform the IRS about the bank 's refusal to provide the necessary information.
Product: Mortgage

i lost my job XX/XX/2016 and notified mortgage servicer. around 90 days i recovered and wanted to resume. i could not pay all back payments so they refused to take any payments. never could get all at one time. i asked what to do they started saying they would file to modify. i had offered to update my info they refused. they turned me down 6 times and on appeals 6 times. say i sent paperwork they needed and used it to apply mod. they lied to me in writing because i have never been asked nor have i sent any documents. they wont share copies. i never had a continuos contact. no help. reported to XXXX. XXXX XXXX XXXXXXXX hung up on me. both lying about my case. im in foreclosure and i need help. notified fbi, ftc, whitehouse, nobody helps there is a lot more to say. false documents. sent via usps. many felonies.
Product: Student loan

I am a co-signer on my son 's student loan. When Navient took it over, they forced us into monthly payments that we absolutely can not afford. My husband had a serious accident 2 years ago and is not back to his regular job yet. We are overdrawn every month and are paying huge overdraft fees every month. They used intimidating tactics and we felt that we had no choice but to go along with their payment plan, even tho it 's putting us in a hole deeper and deeper every month!
Product: Checking or savings account

On XX/XX/year>, my paycheck from my job of {$1300.00} was scheduled to be deposited into my Capital One 360 Checking account. By policy, these funds should have been available no later than that day, if not up to XXXX days earlier. Instead, they have been withheld indefinitely without explanation. 

I have spoken with multiple Capital One representatives on the phone, including : XXXX Who confirmed on XX/XX/XXXX at XXXX XXXX that Capital Onenot my employerwas withholding my deposit for an unspecified reason. 

XXXX Who demonstrated shockingly unprofessional behavior, including singing on the phone while I was trying to gather information. 

H Refused to provide an employee ID and incorrectly filed a missing deposit claim, despite the fact that my funds were not missingjust withheld. 

This is the second time in XXXX weeks that Capital Ones internal mishandling of deposits has caused me severe financial hardship. As a direct result of this most recent delay, I will not be able to purchase my plane ticket for a pre-planned trip to Washington, XXXX, forcing me to miss out on both a XXXX XXXX  visit and Valentines Day Trip with my partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XX/XX/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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/scrub>XXXX XXXX  are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/scrub>XXXX XXXX High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence XXXX Errors : XXXX XXXX : I have been enrolled in XXXX, ensuring all payments were made on time. 
Discrepancy in Reporting : TransUnion incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XXXX XXXX, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

To be brief, this letter concerns an issue with Sallie Mae and three student loans that I hold with them, which are only weeks away from moving into payment status. As outlined in the attached letter that was submitted to Sallie Mae, I am unable to pay the loans at this time, due to the financial circumstances of myself and my wife. I spent a great deal of time on the phone with them, prior to sending the letter. And, after they received the letter, I received a phonecall from Sallie Mae from what was called the Office of the Customer Advocate. This phonecall identified what I had already been told : they understand I have no money to pay them, but in order to process a forbearance/deferment on my loans, I would have to pay a {$50.00} good faith payment ( possibly for each of the three loans ) and go through the request process every three months. How they can demand money from me, when I have identified I have no money and am asking them for consideration, is beyond me. They also offered another alternative : that they can help me, but I have to let my loans first default. As identified in my letter, I am an Officer with a very large public institution and, as such, a public/civil servant. It is both outside of my nature and against my professional interests to have my student loans default. And, given that I have pinched every XXXX and cut every cost over these last few months, demanding money from me is as offensive as it is ridiculous. They are a for-profit organization profiteering off of those like me who seek higher education. And, here, they are attempting to profit off of my financial distress. I find the entire situation offensive, disrespectful, and ludicrous, which is why I now bring it to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX and this is my formal notice of complaint against XXXX for furnishing information to the credit reporting agencies XXXX XXXX Equifax without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX XXXX, and inconvenience. 

I have reached out to XXXX on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX XXXX would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

XXXX claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my XXXX file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If XXXX is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX. I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX ( XXXX   : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT FILED BY A 3RD PARTY OR A CREDIT REPAIR AGENCY.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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. PLEASE PROVIDE THE 4 ITEMS BELOW. IF YOU CAN NOT PROVIDE THIS INFORMATION PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT OR I WILL BE FORCED TO CONTACT THE FEDERAL TRADE COMMISSION, FILE A LAWSUIT, AND CONTACT THE BBB to REPORT FRAUDULENT ACTIVITY.

Please provide me with 4 pieces of information regarding all of these accounts below. 1. The Original Contracts of these accounts with my signature on it. 2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  If you can not provide this information please REMOVE these accounts from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received two emails indicating the installment plan accounts were opened using my email and name. I contacted the company by phone call on XX/XX/year>. On that call, I informed the company that the accounts ( which were no longer being paid as I was getting past due emails ) were opened fraudulently. They said they would conduct an internal review that would take about two days. It was not until XX/XX/XXXX that I finally received an email from them asking me for a phone bill. I called the company that same day and indicated I was on a family plan so the phone bill would not show ownership and apart from that, whoever fraudulently opened the account used a different phone number. I was told by the representative that I could submit other documents like a utility bill to verify my identity. That same day I sent both a utility bill and bank statement to confirm my identity. The next day I received a verbatim email from the previous one once again requesting a phone bill. It was clear they had not reviewed my documentation. I called the company again on XX/XX/XXXX and was told I could not speak with the internal review team the allegedly ( but clearly did not ) review my identification. The fraudulent accounts are still open and I am still receiving past due notices to my email.