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

The company have improperly made errors on my credit report causing me to have a horrible record with my up coming purchases It has been causing me so much I reached out to the company to see any advise and they ignore my request 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts 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 investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau Name : Experian Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX Va XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Dispute of Incorrect and Illegal Late Payment on Credit Report Dear CFPB, I am writing to have this incorrect late payment entry on my credit report corrected and updated to paid on time immediately. According to my records, this information is inaccurate and should be corrected under the Fair Credit Reporting Act ( FCRA ) within 30 days. 

Details of the Dispute : Account Name : XXXX XXXX XXXX  Partial Account Number : XXXX Date of Incorrect Late Payment : XX/XX/XXXX Or XX/XX/XXXX 15 U.S. Code 1681s-2 According to legal code 15 U.S. Code 1681a - Definitions ; rules of construction ( Cornell.edu ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual. 

In this case XXXX  XXXX XXXX is the person as defined above and below and I, XXXX XXXX am the consumer as defined above and below. 

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A late payment as defined above would be an experience between the consumer and the person making the report because any person who is deemed late would also incur a late fee which is a transaction as defined above and should not be reported on any persons consumer report because it is also illegal.

Furthermore, U.S. Code 1681s-2 states that furnishers of information to consumer reporting agencies are required to provide accurate information. The late payment reported on my account is incorrect because and needs to be reversed immediately because it is not correct and illegal as defined above to report any experience per legal codes above.

Additionally, under U.S. Code 1681a, I am entitled to dispute any information in my credit report that I believe is inaccurate or false.

Requested Action : I request that this late payment entry be reversed or removed from my credit report immediately. Please notify me in writing of the results of your investigation and any actions taken.

Thank you for your prompt attention to this matter. I look forward to your response. 

Respectfully, XXXX XXXX
Product: Mortgage

Chase Mortgage significantly overcharge the payoff amount of my primary home loan by more then {$8500.00} at closing when I sold my home in XXXX XXXX. The previous year in XXXX, XXXX we executed a term-extension only modification that spiked our payoff over {$11000.00} from the previous month 's statement, which Chase can not reconcile after spending many hours reviewing their detailed history on the phone. I hired an Accountant to audit the detailed history suggesting I contact CFPB after no calculus with arrears back escrow, interest, accrued penalty come close to fees charged. Additionally Chase refused our full mortgage payments we paid in the successive months prior to modification which hindered our efforts to make catch up payments avoiding the need for modification
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX 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 needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$5100.00}
Product: Debt collection

On multiple occassions,  XXXX   XXXX   XXXX  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've had several XXXX XXXX attempts to open lines of credit. I have not attempted to open a credit card with this card company because I already have 2 accounts with them and I've received notices about my information being compromised in the XXXX XXXX breach I've tried to dispute these hard inquiries with no resolve. I have not tried to open more accounts this is absurd and it is ruining my credit score I have a goal to purchase a home these constant hard inquiries are hurting me and it doesn't make sense to keep making them with the same company I have an account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX & XXXX - XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Bank account or service

On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.
Product: Debt collection

SO I WAS CAUGHT UP ON PAYMENTS FOR CITIZENS ONE. I WAS TOLD THEY PLAN TO FORECLOSE ANYWAY AND WHY DONT I JUST GIVE UP!! THESE PEOEPLE SPEAK BROKEN ENGLISH!! I CALLED BACK SEVERAL TIMES TO GET A NUMBER OR NO ONE WILL PICK UP. THEY HAVE HARRASSED ME DAY NIGHT, SOMETIMES FIVE PHONE CALLS IN A ROW.
Product: Credit reporting or other personal consumer reports

XXXX ignored my request They have never verified the information I have a code of violation that I have send ftc report for identity theft on over XXXX violation XXXX has on my report XXXX insist the account were verified but not notifying what and who validated the information I believe several infraction have been violated Following violation : 15usc 6802 15usc1681c-2 18usc10284 15usc1682g 15usc1681i 15usc1681b 15usc1681s-2. 15usc1681c2 15-1692g 15usc1692-1692p 15usc1692e Fcra sections : 609. 611. 623 Violation of law part 611 a 1 604 a 3 Violation 605 c. Violation 623 part ( a ) ( 5 ) ( B ) ( ii ) Bankruptcy 15usc1681a2b Hard inquires 18usc1028A 15usc1601 change off accounts 31usc sec 3123 all debts are United States obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma Harassed me with false preapproval letters for loans, credit cards and car loans around XXXX to XXXX, give me false hope applying for the loans and credit and was puzzled and embarrassed as the inquiry 's hurt my credit and my home stressing me out for months, i lost my job, which lead to a split from my family giving me really bad XXXX
Product: Student loan

Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.
Product: Vehicle loan or lease

Again, on XX/XX/2018 XXXX XXXX XXXX submitted my credit application to Wells Fargo Dealer Services where I just received the denial letter. The denial letter is bogus because it states : Excessive Inquiries in credit file - SO WHAT THIS HAPPENS WHEN A CONSUMER IS SHOPPING FOR AN AUTO. 

Number of Collections or Public Records - THERE IS NO COLLECTIONS OTHER THAN AN OLD MEDICAL BILL THAT HAS BEEN DISPUTED SEVERAL TIMES FOR UNAUTHORIZED SERVICES AND DELETED BY XXXX. THERE WAS ONE OTHER ONE FOR {$370.00} THAT HAS BEEN PAID BY MEDICAL. Just a flimsy excuse. 

Excessive Revolving Debt Utilization - NOT TRUE. ALL IS PAID IN FULL OR WILL BE PAID IN FULL AT THE END OF XX/XX/XXXX. ( See attachment ). 

Consumer deserves a fair assessment and not these weak knee excuses. ( See attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXX  paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, NewRez took over as the loan servicer. Instead of applying the additional as principal pay-down, NewRez applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted NewRez explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from NewRez attached. 

Unfortunately, it was not handled. NewRez did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a XXXX XXXX of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted NewRez on two occasions. On each occasion the NewRez representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. NewRez has done nothing in terms of submitting any information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company is reporting erroneous information on my credit report. The address is incorrect, the account information and account history is incorrect and this incorrect and inaccurate information is severely affecting me and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I file for experian account XXXX, account num XXXX to dispute they haven responded back or erased the account those account happened during XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX reported to Equifax bureau a hard inquietud under my name that I did not authorized.I contacted both Equifax and XXXX XXXX to clarity this issue and to creat and aleart on the Equifax bureau. They assured me everything was going to be clarify and required from me to contacted XXXX XXXX to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for XXXX XXXX credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I received and XXXX report and notice they are inaccurately reporting Citibank an current open line a credit with excellent payment history as account in dispute. I have never contacted XXXX or XXXX and disputed my Citibank line of credit. In addition, XXXXCitibank refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold CitibankXXXX accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I have loans with Navient and they consistently deny me options for more affordable repayment. 
I can not afford what I currently pay them- each month is a struggle for me to get the money together. I need to pay my other bills, pay for gas, food & rent. I have repeatedly told navient this as well as written letters but they always deny me lower payments. 
I have been told my only option would be to put my loans into forbearance or be sent to a debt collection agency & then my credit would be ruined.
Product: Bank account or service

This Complaint is filed against the US Bank XXXX XXXX XXXX, XXXX XXXX, Nevada, for the continued harassment made against my checking account 's Overdraft Coverage since XXXX XXXX, 2015 and continues. On XXXX XXXX, 2015 several overcharging Overdraft Fees, of {$36.00} each and an Extended Overdraft Fee {$25.00} were refunded to my account because the US Bank already have collected such fees. Consequently, the action made by the US Bank to overcharge my Checking Account with additional fees demostrates a desire to inflict me with personal harm that have caused XXXX. Please, note that the US Bank have fully responsability to manage my Checking Account with accurate information as is demanded by State and Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} XXXX Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.