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

On XXXX XXXX,2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXXXX/XX/XXXX I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXX XX/XX/XXXX. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/year>2024. XXXX 's phone system makes it impossible to talk to a human. Today, XXXX/XXXX/2024, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.
Product: Credit card

They contacted me when they weren't supposed to, charged my card for an inaccurate credit score for a home loan and refused to give me a refund when they charged me.
Product: Mortgage

Union Home Mortgage Corp Office In OHIO The branch of the institution that I send my payments to DOES NOT KNOW HOW TO ADD ADDITIONAL PRINCIPAL to my payments. 
XX/XX/XXXX {$650.00} paid, only the mortgage amount was applied XX/XX/XXXX {$650.00} XXXX paid only the mortgage amount was applied XX/XX/XXXX {$650.00} paid only the mortgage amount was applied Mortgage amount was {$420.00} something. 
WHERE is the rest of the money??? 

XX/XX/XXXX # XXXX {$1400.00} DESIGNATED,, '' PRINCIPAL '' ONLY PART WAS APPLIED TO PRINCIPAL
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 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

A fraudulent company used my credit to access business credit, maxed out the cards, and didnt pay the debt. The business credit was then placed in my credit and significant lowered my upper XXXX XXXX credit score to the lower XXXX. I begin to get notification in XX/XX/year>. 

I made attempts to contact Chase to inform of them that it wasnt my company and I wasnt responsible for the debt listed in my report. I also had an attorney to send letters in my behalf. The card usage was maxed out and late payments begin posting. Fraud investigations claimed it was my debt. I made multiple requests for the matter to be investigated, believe it could be easily proved who owned the business and who used the card. 

I later found out in XX/XX/year>, that someone actually credit a LLC in my name and placed me as the CEO, CFO, Secretary, and registered agent, and used my home address as the physical business address. Chase came back saying they this was proof that I was the rightful owner of the company and debt. I proceeded to make police reports and they have contacted the Georgia Secretary of State to get digital proof that i didnt create the LLC and to find who actually own the company and created the debt. The investigation started XX/XX/year>, and is still on going. 

Sense then, the debt was been written off. Yet, Chase continues to post late payments to my report monthly. They continue to damage my credit even after me sending a letter from Georgia Secretary of State showing my personal information removed from the business registration. Im not sure of what effort that was made to investigate ownership beyond this Georgia document. However, they have wrote off the debt and continue to damage my credit with someone elses business debt. 

Chase reporting this inaccurate informations has single handedly damaged my exceptional credit history. They have hindered my familys ability to move to a new home and me to purchase a much needed new vehicle. My history show they I pay my bills, including cards that already had with them. They have a taken a card from my actually business, and cause several other unrelated cards that I have had balance to be significantly reduced. 

This is appalling that Chase would place another persons business debt in my personal credit. I have my own businesses and personal credit, and I have done a. Exceptional job maintaining my credit. Simple research can verify this!
Product: Debt collection

This is the second time that I received a notice from this Attorneys office claiming that I have an outstanding debt in the City of XXXX, State of Texas. The letterhead is from Linebarger Goggan Blair & Sampson, LLP Attorneys at Law. 
Their most recent communication states WARNING and that a warrant for your arrest may have been issued by the court. IF a warrant has been issued, you may be arrested at any time by any peace officer. This type of warning is threatening, scare tactic to attempt to collect a debt is against the law and a violation of the FDCPA. To add this is not owed by me to begin with. I dont have a TX drivers license as the notice states. I attempted to contact the number on their fraudulent and illegal notice and no one answers. Also I checked the XXXX  website and they have over XXXX complaints against them. Huge mistake of this was done in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Consumer Loan

In XXXX of 2015, I ( my son ) returned a Buick Enclave that i had leased in XXXX, Delaware at XXXX XXXX XXXX. Ally Financial was the banking organization utilized by the Dealership. 
The lease had expired in XXXX 2015. Turnover of the car to the dealership went well. The car was physically inspected by employees of the car dealership and found to be in acceptable condition-no damage. All financial aspects were found to be acceptable and no additional payments were due. 
Three months later the bank, Ally Financial, threatened to repossess the car since the lease payments had not been paid. We explained that the lease had terminated three months earlier and that the car had been with the dealer for the past three months. Lease charges were erroneous. However, now, after the dealer being in possession of the car for three months, it had been damaged- a scratch existed which Ally wanted fixed at my expense. Subsequently, the bank dropped the three month lease charge and now requested one month 's payment and payment for repair of the scratch appeared to be negotiable. The total charge, including repair of the scratch amounts to {$780.00}. 
I contacted Ally Financial to find more information such as why they considered the payment charge to be outstanding and to state that since the car was in the possession of the dealership for three months, after it had been accepted by the dealership as having no damage, the repair was the reponsibility of the dealership. 
The basis for the outstanding payment charge varied with respect to whom I spoke. XXXX claimed that the charge was for XXXX despite the car being returned in XXXX. The cost of the repair however, appeared to be open for discussion on their part-but not mine! 
All remained quiet until this XXXX when correspondence started to appear demanding the {$780.00}, with the standard threats of notification of the XXXX credit agencies, lawyers, etc. I contacted the Delaware State Regulating Authority who regulates Allys financial activity for the state, and they are presently investigating Ally Financial 's charges. Insofar as i am concerned, I can find no basis for their claims. And responses appear to be totally dependent upon the Ally Financial person to whom you speak. 
Finally, ALL Ally personnel refuse to discuss the issue with the XXXX XXXX XXXX for reasons they will not reveal. 
It is now close to a year since the lease expired. Ally has yet to present a factual basis for their charge of payment due, except for a " claim ''. In contrast, both myself and XXXX XXXX XXXX agree that all requiements have been met. This claim may just may be due to faulty record keeping, similar to other claims Ally Financial has made Under the current circumstances they have failed to provide any factual basis for the claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. XXXX XXXX XXXX debt collectors and out of state law firms must register with the Florida office of Financial Regulation as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that Fair Collection and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity and please provide documentation indicating that you were licensed in the state of Florida to engage in collection activity as the last time this company was licensed to engage in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the real system Regulatory enforcement and licensing this company was not authorized to engage in collection activity at the time this was placed on my credit profile. and even bfore these dates the company was only authorized during the following dates please remove this immediately and cease and desist all credit collection activity. Name : XXXX XXXX XXXX XXXX XXXX XXXX : FAIR COLLECTIONS 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

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ARE OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCORRECT ACCOUNT XXXX TRANSUNION XX/XX/XXXX ACCOUNT XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX
Product: Student loan

I have been paying this loan minus certain forbearance and deferments for 11 years ( XXXX ). On multiple occasions I have asked them to remove my cosigner and make me a sole borrower to which they have refused. To unfortunate circumstances in XXXX I became very sick having to start the XXXX filings, by XXXX I had to file for bankruptcy. Even though both the bankruptcy and XXXX dissolved the loan Navient has refused to remove it from my credit report with the only exception being they transfer the loan to my cosigner, who has attempted to get removed for several years from the loan, even before any of these events. Both the cosigner and I never receive mail correspondence in regards to any activity of this account including the bankruptcy and XXXX and have contacted Navient many times. XXXX other student loans also agreed to my qualifying to XXXX including Navient, but Navient is the only one that is not truly closing the loan. My cosigner no I have yet to be informed that they are trying to again push the loan or the status of my XXXX application, I have found this information myself online.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Mortgage

I was on a covid forbearance that expired in XX/XX/2021. I start payment my current mortgage to a new servicer once my mortgage was transferred from XXXX to XXXX in XX/XX/2021. I was told over the phone that my service XXXX could not put the forbearance amount to the back of the loan or Modify the mortgage because it was sold starting in XX/XX/2021 to SN Servicing. A payment was sent to SN Servicing for {$10000.00}. my next payment would be in XX/XX/2021. I was told from XXXX of Sn Servicing to complete an application for Modification for the outstanding amount of what I owed from the modification. I tried to make a payment on SN Servicing 's website and was unable then I called and spoke to XXXX whom told me that they were not going to take my payment unless I pay {$24000.00} or a payment arrangement of {$14000.00} and {$4400.00} each month and the modification was denied. I have no idea who owns my mortgage and was never notified by mail. I believe the mortgage is doing some fraudulent activities. 
Could you help me?
Product: Student loan

In XXXX, I made an attempt to pay off my loan, not realizing I was entitled to XXXX loan forgiveness. I have spoken with Mohela several times over the last XXXX months, each time being reassured the money would be refunded within 60 days, but each time this doesn't happen and a new request must be made. They claim to be doing something each time, but each time it appears that nothing happens. They are giving me the runaround.
Product: Debt collection

I have been a victim of identity theft. I had my information stolen by my siblings and abused my information repeatedly, burglarized my home 2 tines within 4 day 's, called me and made threats, I currently have a domestic violence protection order out to prevent further contact with me. However this has done nothing, I'm to the point where I legally want to change my name and ssn to protect myself. I even went as far as applying to be a police officer due to the fact that ssn will not help me right away. I have sprint bill, credit ( s ), cable, and collection 's in my name that I was not aware of. I want them removed if possible so I can Atleast function normally at work, I really don't feel safe or protected by anyone I seek help with. I get the run around and thousands of phone calls from debt collectors everyday 20 times a day.
Product: Credit card

I'm using the Amazon store card, it was supposed to help your buy from them and pay monthly, but when it's time for the automatic payment, they take the total amount. 
And when the automatic payment is processed, you think you don't owe them anymore, they refund you them money, then say you overdue and collect fees. When through my statements they done it every month. My total went from XXXX to XXXX only by overdue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The lack of Accountability and Transparency is unacceptable and raises Serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following unauthorized inquiries due to identity theft on my credit report to Equifax. I also submitted to them a copy of my report to FTC about fraudulent inquiries. After the investigation, these unauthorized inquiries remained on my report, which are preventing me from obtaining new lines of credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX - EQUIFAX XXXX XXXXXXXX -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX
Product: Mortgage

This institution ( Huntington Bank XXXX has had trouble processing our loan payments since fall 2021. They acquired this mortgage as part of a merger/account taken over from TCF bank XXXX Up until that point the payments had been made on time without difficulty. Shortly after Huntington 's involvement, our payments began being processed and then returned as unpaid. I have spoken with them on at least 4 occasions trying to figure this out, resubmitting payments, etc. We have the money to pay our payments, in fact the loan is almost paid off and we could do that, too -- if they could process our payments. At one point I spoke to someone from Huntington on the phone and they were able to process 3 past-due payments that were NOT subsequently returned, so I know it is possible. But then when I made the payment for the next month, it was again returned and they began calling wanting to know when we were going to pay. 
In the meantime, Huntington Bank has reported the late payments to credit reporting agencies which has had a significant negative impact on both of our credit scores, which were over 800 prior to our forced involvement with Huntington Bank.