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

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Debt collection

" In the Complaint, the consumer requests a printout of the chain of assignments from the XXXX system. Enclosed is the requested printout. '' This was the XXXX response I received. Thank you.. Dates covered in this print out is from XX/XX/XXXX through XX/XX/XXXX. Basically this time frame covers when XXXX was the servicer. 

XXXX became servicer on XX/XX/XXXX so I want assignments from this date onward. 

I would like print out of asssignments from XX/XX/XXXX through XX/XX/XXXX when XXXX has been the servicer. 

thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX {$38000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 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 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 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

I've tried to refinance my car through companies XXXX XXXX suggested me. It was pre-qualify applications, that's why i've applied. As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX  ( XXXX  points ). I got a lot mails in my mailbox from credit unions i don't recognize. I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. That's why i think all this inquiries should be removed from my credit reports.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX called and threatened garnishment on my wages if they did not get a full payment of {$900.00} today on a medical bill that was not paid in full back in XX/XX/XXXX or XX/XX/XXXX. I haven't changed my number in 10 years and she initially joking laughed that she had to call my job because was not able to contact my personal phone. I advised her that I needed to look into what she was talking about and she said since you won't take care of it today, I'll go ahead with garnishment, and hung the phone up.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 reporting, credit repair services, or other personal consumer reports

This is a complaint against the American Express,. The following inquiry were not authorized by me, Never having given my permission for them to inquire about my credit status, they are unauthorized by me.

1 ) AMEX DATE : XX/XX/2018.
Product: Vehicle loan or lease

I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.
Product: Checking or savings account

I have a bank account with PenFed and I received a call about charges that I didn't authorize. I told them that some of the charges I did not OK, They canceled my card and sent me out a new one. There was around {XXXX} charges that I told them they where not authorized by me. I then received a letter from them telling me that they will not give me back the money because they spoke to the company that made the charges and they said that I did ok them so they will not be able to refund the charges. I don't know who or were I can contact the company. I can only see a couple of letters for their name and no phone number that I can call.
Product: Mortgage

XXXXLakeview loan servicing is the mortgage administrator for my home loan. I have been trying to pay my XXXX mortgage for over a week. This companies site has been down for almost 2 weeks without any notifications from this loan servicing company. If you go to their site is says page not found. The company has not indicated any waivers of late payments due to their site being down and again no notifications were provided. When you call the company you speak to an " Incident response '' team that will not provide any information or estimated repair times. I do not want to be penalized for something out of my control and again no communications were provided to date! This is no way to conduct business with such important transactions being handled!
Product: Money transfer, virtual currency, or money service

I contacted the company who Unbeknown at the time of purchasing was out of the XXXX and not even authorized to sell digital currency to XXXX customers. I reached out to them for a refund only to be ghosted. Shortly later I received an email that the company has shut down and they all my informationwas being given to a new company, go figure. I had been getting duplicate charges from this merchant for months, once reported to wells fargo I was repeadity told that they were just " Hold '' charges and that the funds would just appear back on my account at some point but it would always be undocumented ( unable to see in transaction statements ). After about 5 months of this I started doing my own research because it did not add up. My account kept getting overdrawn when my original purchase took out the funds right away. I finally went to XXXX XXXX that handles my wallet and records of all transactions in-out and they did agree to send me the data they have from their vendor. XXXX showed the data of Pending, Processed, and cancelled transactions and thats where I noticed I was being billed for tons of Pending '' transactions in which I was never sent any currency for! When I finally brought this to Wells Fargo they denied my claim and tried as much as possible to make any excuse not to get my money back for me - Even with the proof I myself acquired, - after they repeatidly gave me wrong information about the charges as " Hold '' charges. I sent them a total of XXXX pages of documents where it shows the data of pending, processed and cancelled claims, then on my statements where I was charged for both the processed and pending claims. Still, denial, different denial reason based on who I was speaking to that day. I knew I wasnt getting a honest and fair shake even though XXXX is supposed to protect me and my funds from unathorized transactions. I then asked for a " right of documentation '' as to the evidence as to why my claim was denied and I was sent a whopping total of XXXX pages of " authorizations '' for a total of XXXX charges and NONE OF THEM ARE EVEN FROM THE CHARGES I DISPUTED! XXXX of the charges were dated from XX/XX/year>, XX/XX/year>, & XX/XX/year>. Even XXXX XXXX thats listed is not from XXXX XXXX I even XXXX XXXX a complete joke. I have spent so many nights killing myself trying to figure out what was going on only for my own bank to treat me like a complete fool. I am not a fool and now you need to admit that you were wrong! You messed up from the early days of me calling to understand why my debit account kept getting overdrawn, you messed up in the " multiple '' investigations you supposedly did into my case. You lied to me about the denial reason. You even initially found " evidence of unauthorized transactions '' for XXXX of the dispute amount only to walk it back and take the money from my account again after I complained about being denied for the full amount. I have never in my life felt so disgusted in a company that my whole family uses to bank with, my wife, my son. I demand answers! claim # XXXX
Product: Vehicle loan or lease

I purchased a vehicle and financed through BMW. The payment is on auto-pay via my bank. I have sent in additional funds to pay down the principal ; there is not a penalty for doing so. However, instead of immediately applying the additional funds to the principal in order to keep from accruing the daily interest, the company is placing the additional funds on hold towards a future payment. I called the company and the finance officer told me they are doing this to help me out, just in case I am not able to make a future payment. As stated, the payment is auto-paid. He indicated that the additional funds will be applied to the principal if I go in and request a pay-off quote, the date of the request will reflect the application of the additional payments towards the principal. I feel this is a scam and unethical. I am paying the payment in full and sending in additional funds to be applied to the principal. Instead of immediately applying the additional funds to the principal, they are sitting on the funds, while the account continues to accrue daily interest. 

IF they insist that the account is not accruing additional interest, then make it so that the additional funds paid ( beyond the payment due ) are immediately applied and not held towards a future payment. I am only required to make XXXX monthly payment. Beyond that, any additional funds submitted should be immediately applied to the principal. Who are they to manage my finances and place funds on hold to determine whether a future payment will / won't be made. They payments are on auto-pay. They will receive their monthly payment. The manner in which they are managing my account is unethical. I'm really surprised to have this experience with this company. I thought BMW was above this type of consumer abuse. Particularly since I feel I have been a loyal customer. BMW is/was my brand. 

This is a major company. I do not understand why the need to play games with consumers.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was but my previous dispute did not ask you for accuracy or validation. 
You you furnished to { XXXX, XXXX, and XXXX } as an alleged trans

action as Late. 15 U.S. Code 1666b - Timing of payments ( 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. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002. 
In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
XXXX XXXX XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America about inaccurate info provided to credit bureaus causing denied loan applications and poor score as well as history the bank says they charged off my balance and closed accounts but I paid my balances before they would close the accounts I only was a few days late for one payment and was new to credit so I paid my balances and closed the accounts because I didn't understand what I was getting into the bank never reported any of my good history or balance paid on time and falsely stated a charge off and won't give me access to my statements for the XXXX closed accounts but said they would send the statements in a month I would get it but never did.
Product: Credit reporting or other personal consumer reports

I watch my credit often from XXXX XXXX and other Experian. I have noticed that old accounts have been placed back on my account and inaccurate information.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I had sent out dispute letters regarding accounts on XXXX XXXX, XXXX to fix the inaccurate information on my credit report.

1. Late payments were added to one of the closed accounts which the account was closed on XX/XX/XXXX. 

2. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 3. The Date of Last Activity on all 3 credit bureaus are reported differently on a closed account. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX 4. The Date of Last Activity of the account is reported differently. 
XXXX  reports : XX/XX/XXXX XXXX  reports : XX/XX/XXXX
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. 
I am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act LVNV Funding LLC XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.