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

Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XXXX XXXX, 2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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: Debt collection

I already tried by all means to fix this problem. Capital in being unfair and is not willing to fix this issue and stop affecting me. They have committed several negligent actions that led to violations against me. 

I am only demanding this negative item : account # XXXX, opened XX/XX/2011, limit {$1300.00}. 

Please help me sending the attached documents to Capital One.
Product: Debt collection

i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a notification from my credit card company ( with which I have credit monitoring services ) that there was an inquiry on my credit report. The inquiry was fraudulent, so I ( 1 ) put a fraud alert on my credit report through Equifax and ( 2 ) filed a report with the FTC detailing the identity theft. Under the Fair Credit Reporting Act, Equifax had an affirmative duty to report the fraud alert to both XXXX and XXXX, so I did not place a fraud alert on my credit report with either of those other two credit reporting agencies. I also received an email confirmation from Equifax on XX/XX/2019 stating that a fraud alert was successfully added to my credit report. About three weeks later, on XX/XX/2019 and XX/XX/2019, I received additional notifications that, as of the date of this report, nine more fraudulent inquiries were made to my credit report through both XXXX  and XXXX. I received no notifications from either company like I thought I would with a fraud alert set up. On XX/XX/2019, I called XXXX  to inquire about the fraudulent inquiries. The XXXX   representative I spoke to said that there was no fraud alert on my credit report and that XXXX   had not received notification from Equifax that I added a fraud alert. I also called XXXX on XX/XX/2019, but was unable to reach a representative there XXXX although I left a voicemail for a representative and am awaiting a return call ). I then pulled copies of all three of my credit reports -- one from Equifax, one from XXXX, and one from XXXX on XX/XX/2019. The Equifax credit report and XXXX   credit report noted my fraud alert ; however, no fraud alert was noted on my XXXX credit report. The following day, on XX/XX/2019, I called Equifax. The Equifax representative I spoke to stated that I had an active fraud alert and that the fraud alert " should have '' been reported to both XXXX   and XXXX because supposedly Equifax 's system automatically sends the fraud alert to the other two companies when a fraud alert was entered. When I told her that a XXXX  representative told me there was no reported fraud alert, she could not explain what happened or how it would be possible for my fraud alert to not be communicated to XXXX. Although I understand that if the fraud alert had been accurately reported to XXXX in midXXXX 2019 it might not have prevented the identity theft going forward ; however, because five of the fraudulent inquiries were reported through XXXX, perhaps some of them would not have gone through if the fraud alert had been in place.
Product: Money transfer, virtual currency, or money service

Once again, regarding PNC Bank, in XXXX XXXX XXXX contacted me and to this day I still don't have my check. She sent it with my name misspelled, and a week ago I sent it back as requested to receive the correct one, but I haven't received any response or my money. 

This is unacceptable from a bank, more than 6 months to get my money... the worst experience with both the bank and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and XXXX Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Dept of Ed XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  Bankruptcy # XXXX XXXXXXXX XXXX  Account # with held for XXXX accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I've sent multiple disputes to Equifax and they refuse to verify these inquiries ( showing proof ) or delete these inquiries ( Below ). 


1. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
2. XXXX XXXX OF XXXX XX/XX/XXXX. 
3. XXXX XX/XX/XXXX. 
4. XXXX XXXX XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
6. XXXX XXXX XX/XX/XXXX. 
7. XXXX XX/XX/XXXX. 
8. XXXX XXXX XX/XX/XXXX. 
9. XXXX XXXX XX/XX/XXXX. 
10. XXXX XXXX XX/XX/XXXX. 
11. XXXX XXXX XXXX XX/XX/XXXX. 
12. XXXX XX/XX/XXXX. 
13. XXXX XX/XX/XXXX. 
14. XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/2014, I received a phone call regarding my student loan debt telling me that I need to pay my loan or they would send a report to the credit bureaus damaging my credit. I informed them that when I tried to log onto the ACS Education website to pay my loan, I could not log on. They then took my debit card information to make payment on my loan. 

I was then told that I would be given a new account so I could continue to make payments on this loan. Years later, I learned from my credit report that they already reported me to the credit bureaus as being seriously delinquent on this loan for 150 days despite the fact that I was unable to make payments due to their deletion of my online account. 

When I tried calling them about this, they said that they no longer serviced my loan and would be unable to help me regarding this matter. They are now called Conduent Education Services. 

Furthermore, my credit reports are still showing that I owe money despite having already paid off the loan.
Product: Mortgage

The company I am filing this complaint about is Amerihome. I originally applied for 3 month forbearance due to covid. I began making my payments again as agreed upon but accidentally turned in the paperwork several days late. They then sent a letter my forbearance was denied. I have called, sent emails, and letters. I have spoken with people and they say they will resend documents or send me other documents to see what I qualify for and then I receive nothing. I a trying to figure out what COVID program I may qualify for but no one will help me.
Product: Student loan

on XX/XX/2019 I received an email from XXXX XXXX explaining that the 1 % rate reduction payment plan that I was already struggling to pay was coming to an end. The email suggested that I contacted Navient to see about an extension on my plan. It also highlighted that If " your new minimum payment is not within your budget you may qualify for a rate reduction plan extension. '' I immediately called to speak with a representative. I explained that my income had not changed and that I actually had taken on greater expenses since becoming a new mother. I explained that although I'd luckily maintained my $ XXXX/monthly payment It was a tremendous strain on my finances but I was willing to continue that payment until my situation had changed. The representative denied my request stating that my payment would increase to $ XXXX/month because the rate reduction plan is the only option available for private loans and it is intended to be a step up program. The purpose of this program according to the representative is to get me stepped up to the original loan payments of $ XXXXmonth. I explained that this was near impossible with the amount of income I bring in. They refused to go over my expenses and basically told me that I had no other option but to pay the requested amount. Trying to maintain my loan payments ; I have lost my car, received several eviction notices, and forced to work 2 jobs with a XXXX year old child. Navient is the worst student loan organization I have ever known. They have no programs fit for those who are really experiencing a financial hardship. I have been determined to maintain my payments and I have not attempted to deny my responsibility, however, Navients insensitivity and disinclined ability to work with you is completely in-humane and unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Haven't got any response from Transunion. They have a deregatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.
Product: Consumer Loan

I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. 

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 

The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. 

US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. 

In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers
Product: Debt collection

the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof Generations states I was late in XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the 6th of every Month instead of 22nd, I had no choice but to Pay on the 6th, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX  XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have Transunion and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Product: Checking or savings account

Someone stole my phone and was able to access my chine account because my passwords are saved to my phone. The thief was able to change my password and my pin to my card and get away with XXXX. My debit card was in my phone case and thats how the thiefs were able to get my wallet. I filed a dispute and got denied by chime
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting POSSIBLEFINA, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and POSSIBLEFINA to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that POSSIBLEFINA isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that POSSIBLEFINA pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report a reported balance of {>= $1,000,000} was reported on XX/XX/2019 by Ocwen Loan Servicing LLC to the credit bureaus. The information is false. I never got a loan from Ocwen Loan Servicing LLC.