23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have made numerous attempts in writing to receive information regarding the reporting of my account. To be specific on XX/XX/year> I submitted a letter in writing requesting : Date of First Delinquency Date of Last Payment Date of Charge-Off Citi responded with they had no idea what I was disputing. Yet my letter attached was very simple and to the point. Since I did not hear back from them within the time frame allowed by law, I sent a Second and Final request stating the exact same information to which Citi has responded again with similar. At this point Citi is just playing games and not wanting to provide me with the information requested and I demand the account be permanently deleted from my report as per the terms of the Fair Credit Reporting Act.
Product: Debt collection

Receiving numerous voicemail threats that company will come to my home or my employer to serve me with papers and is going to to contact my employer and failure to be home between XXXX would be considered a refusal of service and lawsuit would continue without me. Also that they would pursue legal action against me. Did not state name of company. However, he did state his name, XXXX XXXX. He called from private numbers but left a number on several voicemails, ( XXXX ) XXXX. No one came to my home and no one came to my employer.
Product: Mortgage

On XX/XX/2020 I paid off my mortgage balance in full via a refinance with another lender. As of XX/XX/2020 I have not received the refund of my {$5100.00} escrow balance. I have spoken with customer service at CIT several times since then. They first ignored my email sent via the XXXX portal. When I called on XX/XX/2020 I was told the check was sent to the wrong address ( same street, wrong house number ). I do not know where they got the incorrect address. The person I spoke ( XXXX ) with told me to call back the following week to confirm the check was sent. I called again on XX/XX/2020 and spoke with XXXX. He said that the check was issued on XX/XX/XXXX, and that I should receive it in 7-10 days. I still have not received this check. It has been 85 days since I closed this account.
Product: Checking or savings account

Every time I pay bills something always over-drafts due to what has already come out still pending. It never reflects my actual balance, and the fees per transaction once it's low is ridiculous, XXXX each one simply because they can not get their XXXX together. I am not working at the moment, and I need to know exactly what I have left for food, medications ( I have XXXX XXXX, and other items. I literally think they are doing it on purpose, I can not afford XXXX per transaction and if they can not fix it I may just find another bank.
Product: Mortgage

I reached out to Wells Fargo as I noticed my central appraisal district for XXXX XXXX has my taxable valuation for my home at 60 % LTV. As we all know whatever the central appraisal district has your home valuated at is way lower than any actual value of a home. I reached out to Wells Fargo who is supposed to be my lender and they said that I had to choose an appraisal company that they work with specifically and pay {$600.00} to have this mortgage insurance payment removed. I spoke with a lady that says that her information is XXXX XXXX as she did not want to provide her last name and told me that it was a XXXX XXXX requirement because XXXX XXXX is my lender which is not correct. 
I believe Wells Fargo is abusing many homeowners out there that do not know that their mortgage insurance premium can be removed having people pay thousands of dollars unnecessarily and making it impossible from any families to remove the mortgage insurance premium once they qualify. We should not have to pay for an insurance that we do not need and if there is verifiable proof by XXXX XXXX XXXX there is no reason why a lender should not drop this mortgage insurance immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a car from XXXX XXXX. I authorized them to ran my credit report. XXXX was issued by Chase who again ran a XXXX credit check which I did not authorize nor was is it needed resulting on a XXXX hard inquiry lowering my XXXX XXXX. 

Please resolve this. I have spoken with XXXX to no avail. My XXXX XXXX is extremely important to me. I have never had a drop of over XXXX pts and now I'm XXXX pts below due to the double inquiry in addition to a fraudulent inquiry made wit XXXX XXXX. 
Thank you.
Product: Student loan

On XXXX XXXX  I saw that my student loan auto-payment hadn't been drawn from my account. I logged onto NELNET and saw that my account was listed as past due, and that an auto-debit payment was scheduled for XXXX. 

I immediately called NELNET to discuss the issue and was informed that this was a " known issue because payments were due on a XXXX XXXX so they could not withdraw the funds, '' however all of my other auto-debits ( rent, credit cards, subscription services, etc ) processed as normal. The rep told me that because payments couldn't be processed on a XXXX, they would be " processed the next business day, ''. When I clarified that today ( XXXX ) was the next business day, I was informed that the payments were being processed tomorrow ( XXXX ), but going forward it would be on the next business day. 

When I asked if there were any negative consequences of my account being listed as past due I was assured there would not be any, however interest is still accruing on these accounts and I am marked as having missed my payment at this time. 

It's outrageous that Nelnet is still completely unprepared to process payments and is marking borrowers as " past due '' when they are the ones at fault for not processing payments.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern This complaint is regarding account : 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 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 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit report including TransUnion from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting emails & notifications saying my credit score increased yet it never reflects on my credit report. Credit Karma seems to be involved in fraud and lying to consumers. Their business practices are shady and they dont ever respond
Product: Credit card or prepaid card

Received 5 letters with different account numbers stating closing account due to inactivity. 
Spoke with credit card company administering the letters to report i never had an account with them. Also verified that my social security number was used on the opening of these accounts. however, the name used was a previous one used 25 years ago with my current address.
Product: Debt collection

They sent it to collections company United Credit and Collections Original debt was with XXXX XXXX For XXXX which posted in checking account on XXXX XX/XX/2023. I found the transaction in my XXXX account
Product: Debt collection

Portfolio Recovery is incorrectly reporting a debt on my credit report. XXXX, XXXX and XXXX. According to 15 U.S. Code 1692g - Validation of debts. I respected a copy of a contract that I agreed to pay this debt and that I am the owner of this debt. They have not provided any documentation that I owed this debt. I am a victim of Identity, and this is not my debt. They have not provided me with any validation.
Product: Debt collection

i was going over my credit report & noticed false inaccurate information being reported in my credit report
Product: Credit reporting or other personal consumer reports

Obtained this Capital One credit card XXXX of XXXX. In XXXX of XXXX I logged into pay this account and it was frozen. I contacted Capital One and they said it was frozen due to a fraud investigation on their end. I took the employee number and all my notes from this call and was instructed to contact them again the following week. I did and was told the same thing that this account was under a fraud investigation and could take up to 2 weeks to complete. The next day I received a 30 day late on my credit report from Capital One. I reached out again questioning why I received this 30 day late after being instructed to do nothing per their customer service department until the fraud investigation was completed and the response I got is we are not removing the 30 day late and you are now obligated to pay this account in full. I spoke with an attorney and was instructed to wait till this goes to court to fight it. We went to court over the last few months and Capital One failed to provide the discovery of why they froze the account for " fraud '' and the judge dismissed this case. I have talked to all 3 bureaus to have this updated on my credit report and they are instructing me to file a complaint with you the CFPB to get this resolved and removed from my credit. I have reached out to Capital One multiple times as well as reached out to them through their own attorney group during our case to get this resolved but Capital One will not respond and has never responded to any request. This has destroyed my credit costing me thousands in higher interest over the last 3 years as well as prevented me from refinancing my home. Prior to this I never had even 1 30 day late with this credit card. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.
Product: Credit reporting or other personal consumer reports

FERPA violation, my information was leaked in a data breach, breach of contract due to XXXX  unauthorized access to my personal information XXXX was notified via email and postal service of the breach of contract. I mailed a dispute letter on XX/XX/year> with no resolution. I have also disputed the validity of the loans with the credit bureaus ( XXXX, XXXX, TransUnion, XXXX ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date.

Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Response to Verified Investigation Regarding Late Payments Dear TransUnion Consumer Reporting Agency, I am writing in response to the verified investigation regarding late payments on my credit report, conducted pursuant to 15 USC 1692g. I appreciate your attention to this matter and the effort taken to verify the accuracy of the information in question. 

Upon reviewing the results of the investigation, I would like to request further clarification on the specific actions taken to validate the accuracy of the reported late payments. Additionally, I seek confirmation that any inaccuracies identified during the investigation have been appropriately rectified in accordance with the Fair Credit Reporting Act. 

Please provide detailed documentation outlining the steps taken during the investigation process, as well as any updates made to my credit report as a result of the findings. I also request confirmation of the timeframe within which I can expect to receive a revised copy of my credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolving any discrepancies in my credit report as soon as possible. 

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

I requested validation of a debt I do not believe is mine from Choice Recovery Inc. I was never sent proper validation and I believe this negative mark is false and damaging my report.
Product: Credit card

American Express was Paid In FULL before the due date ( XXXX XX/XX/2024 ) when the Bill was paid in Full in late XX/XX/2024. 

However, I got a Statement in the mail from American Express about me owing them " Back Interest '' Charges which does not make sense when the Bill has been Paid in FULL to Include their High Interest Rate Charge on the Card by the XXXX of Each Month.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY EQUIFAX REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU 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: Debt collection

On XX/XX/XXXX a medical account was sent to collections and I had just recently seen that this was something new to my knowledge. I have served in the XXXX XXXX XXXX  fromXX/XX/XXXX-XX/XX/XXXX and had XXXX XXXX that covered my expenses and fees. This is something that I have tried to work out with this company prior. It has been years since and have not received any positive changes towards this account.
Product: Vehicle loan or lease

Back in XXXX of XXXX is when is all started w/ the harassing phone calls stating I was late. After numerous phone calls and them stating what months we were missing I either went to the bank or had the bank fax over the results over the months they kept saying we were late on. They after that they kept on insisting a new month I was late on. I have paid 3 months extra of what they are stating I was late on way after the fact. There were times I paid and they didn't clear it w/ my bank for gor 3 weeks when it definitely hasn't taken that long. More like 3-5days. So I really feel that they are incompetent/negligence when it comes to receiving mail and opening it on time since the past several months it's been over 6 days and they charge me a late fee which has also definitely reflected against my credit score. I also believe they lost 2 of our payments that are always sent out from XXXX for 2 of the months. We were very consistent since XXXX XXXX then when XXXX came along it all has changed due to PenFed. I believe I also have paid extra than I should have due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refused to remove this information off of my credit report
Product: Debt collection

At such a young age a made a mistake of signing a lease for a apartment without knowing better, did not have the apartment for not even a month no rent was ever paid, I lost my vehicle and job at the age of XXXX   and could not keep the apt by the time I realized what was going on and how it would affect my future it was too late I would like this please dropped for the reason of only being in possession of this apt for a month and not receiving the right direction of action to take.
Product: Vehicle loan or lease

XX/XX/XXXX, I went through dealership financing and approved for an auto loan with Huntington Bank. Following an auto collision in XX/XX/XXXX I contacted the lender Huntington Bank directly. The lender representative verbally told me they have no proof of insurance on a financed vehicle for me. Also confirmed they never sent any written communication to me to notify they never received proof of insurance from the insurance agency or dealership. It is in my belief Huntington Bank approved and manages auto loans without verifying consumers obtain and maintain full coverage insurance on financed vehicles, in return putting consumers at greater risk to default on loans
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX contacted me to find out what I disputed on my credit report regarding their entity. I advised the woman that my credit report with EQUIFAX INCORRECTLY states that the last payment was made in XX/XX/XXXX. I have paid EARLY and EXTRA money each month since XXXX. The woman advised me that she would look into the matter and make sure that the updates are correctly showing that I HAVE in fact made the payments. On XX/XX/XXXX, I received and ALERT stating that XXXX XXXX XXXX updated and left a remark on my account. Upon investigating, I discovered that the REALLY made things MUCH worse. My credit reports STILL do not show that the months of XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX have been PAID IN FULL. ALSO now on my credit report there is a remark that says " NO DATA. '' for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX has not even been entered as a payment EITHER. Not only is the information that XXXX XXXX XXXX   reporting INCORRECT, from their latest entry, my credit score went DOWN two points JUST due to XXXX XXXX XXXX. I have ALL of the documents ( contained in snippets ) to show PROOF of what I have been trying to get across.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX  XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} XXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX  XXXX {$430.00} XXXX  XXXX XXXX {$480.00}
Product: Debt or credit management

National Recovery for {$630.00}. The agency is not authorized to have a debt from me. or report it on any credit agency. This is illegal under the Federal Credit Act. This is also a violation of my HIPPA rights. I also asked for the original assignment contracts and were not provided to me. Please remove from all credit bureaus.

Thank you,