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

I paid off my personal loan ( amount {$770.00} ) with XXXX as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX a manager ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that XXXX continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from XXXX reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, XXXX needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( 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 XXXX ( 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 XXXX 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: Student loan

I was told my loans were going info forbearance for the month of XXXX due to changes to the XXXX plan by the Department of Education. 

The document I received stated, among other things, that the interest rate would be set at XXXX  % for the duration of the forbearance and that no payment was required. 

I went to check my loan status and noticed the interest rate was still set at XXXX % and that the loan had been accruing interest since it was placed into forbearance. 

I called MOHELA on Friday XX/XX/year> to resolve the issue. The representative said they could not change it to XXXX  % " at this time ''. They also said that at the end of the month when the loan leaves forbearance, the necessary changes would be made. 

During the forbearance due to COVID, it was clearly stated that the loans were set to 0 % and I could not get a clear answer as to why they could not change it now. I was also told by the rep to check and make sure the interest was taken care of at the end of forbearance " just to be sure ''.
Product: Checking or savings account

On XX/XX/23, i notice this morning i was missing XXXX in maintance fees. I call Boa four times. All four times i was either hung up on or lie to. 
Long story short, i was told that i gad to have ONE DIRECT DEPOSIT OF XXXX OR GREATER IN ORDER TO AVOID ANY MAINTANCE FEES. I WAS TOLD THAT I NEVER HAD A DIRECT DEPOSIT OF XXXX OR GREATER. WELL EITHER MY ACCOUNT WAS NEVER LOOK AT OR WAS LIED TO. REASON WHY I AM STATING THIS IS, ON XXXX I RECIEVE A DIRECT DEPOSIT OF XXXX. AND SO MANY XXXX. WHICH MEANS I SHOULD NEVER HAVE BEEN CHARGE THIS FEE AT ALL. THIS IS THE SECOND TIME THIS HAS HAPPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requested that Navient validate all tradeline listings that had been submitted to the three major credit reporting agencies for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also requested a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed because of returned, faulty, or recalled consumer products, was not utilized as profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that also requested competent evidence that I had some contractual obligation in relation to the Debt. 

None of my requests were answered in the past year. 

I have also been the victim of : Contacted me before XXXX XXXX 
Attempting to collect a debt that does not belong to me Threatening legal action and arrest Calling after I requested you to stop Lying and pretending to be lawyers Contacting my family, and friends, about my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a personal loan with XXXX XXXX XXXX XXXX for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled. 
2. Late Fees will be disabled. 
3. XXXX will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan.

5. If your Loan is a Promotional Loan, th
e remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires.

6. Billing Statements will be suspended. 7. Interest will continue to accrue during the 120-day period.
8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call XXXX XXXX XXXX in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru XXXX XXXX XXXX has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise Credit Services with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.
Product: Consumer Loan

In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally address and dispute several unauthorized hard inquiries currently reflected on my credit report. These inquiries were conducted without my knowledge or explicit consent, in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require prior authorization.
Product: Payday loan, title loan, personal loan, or advance loan

I took a home improvement loan for the " same as cash ''. I wen into the deal although I had a previous bad experience with the same lender through a contractor I was working with ( The financer said that I have signed the project complete and acceptable during the time frame that I was not even in the country to sign ) I figured that this time the experience will be different. But when I went to set up the Autopay in a way that I can finish the payment in the 365 days so that I do not get charged interest, I noticed the website does not do Autopay for more than the minimum payment which I found very troubling. Having to log into the account to make additional pay every time kind of defeats the purpose of " AutoPAY ''. 
About 40 days ago I called XXXX XXXX to make a bulk additional payment and also enquire about when the same as cash deal will run out because I have moved to a different state and my contract documents are not easily accessible to me. And I was told that XXXX XXXX XXXX would be the day that my same as cash deal runs out. I just called them today ( XX/XX/XXXX ) to make my final payment and close the account and I was told that my same as cash deal had expired as of XX/XX/XXXX and now I owe interest on the whole loan ( at actually 18 % even on the amount that was already paid the prior month ). I accept that it is my responsibility that I keep an eye on the contract but I Mariner could also make the whole process easier by allowing people to set up AutoPay to more than the minimum amount. It did not also look fair to me that I will be charged interest even on the money I have paid for the loan so far ( borderline predatory ). I did have a couple of conversations with office and branch manager in XXXX, MD but they did not offer resolutions that I found satisfactory.
Product: Vehicle loan or lease

They said I was approved but with the terms of paying XXXX down as a down payment, in which it should not be no down payment that's co-mingoling mixing credits & cash, according to FEDERAL RESERVE SEC16, COMPANY HAS BEEN PAID THROUGH SECURITY COLLATERAL 12 USC 412 THE PRINCIPAL ALREADY PREPAID THE ACCOUNT AND IS NOT ABOUT TO REPAY AGAIN I am the agent expressing the interest that's owed to the principal, thy have the right to contract as well as the right to credit let 's negotiate
Product: Student loan

I have set up automatic payments with Aidvantage for student loan repayments. The company has been pulling the money from my account on time every month but charged me an overdraft fee in the process of {$35.00}, despite getting the money on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION AND CHARGE OFF INFORMATION - REPORTING A BALNCE WHEN ITS ALREADY CHARGED OFF
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim to determination letter according to 1022.142 ( b ) ( 6 ). Please delete the following accounts. BALANCE : XXXX {$4400.00} XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX {$170.00}
Product: Debt collection

This collection agency is called Bay Area Credit Service. They kept on calling me throughout the year of XXXX and XXXX, even after I set up a payment plan with them.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a business account with Citizen 's Bank on XXXX and XXXX XXXX XXXX in XXXX, DE whom I have been banking with for over eight years. Someone stole one of my business checks which they forged for {$5200.00} along with my signature. 
This incident happened in XXXX of 2016 which I have been disputing since then. I have spoke with several different managers and I filed a complaint with BBB. Never once did the bank offer any kind of assistance in this matter. 
The bank 's position was the check was not secured and they will not reimburse me for the money which they allowed to be drawn from my account. I am not happy with their decision, couple with the reasons that the bank has given for not reimbursing me are conflicting in the correspondence that I received. I see this issue as unethical to charge me for something that they should have safe guarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
Product: Credit reporting or other personal consumer reports

All 3 bureaus have placed this account on my credit report without my written consent. This account does not belong to me. I have no knowledge of this account. The account that is showing on my report incorrectly is : XXXX XXXX XXXX Acct # XXXX in the amount of {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to access my account with this company all I ever got was 'computer loops ' and when I called for assistance the individuals I encountered could not speak English well enough to be understand easily and some times not at all understandable. Frustrated, I contacted the 'Consumer Protection Agency '. The response I received from this company was to call again and they wanted further verification that this is my account, which I requested frozen, as they did not mail the new credit card timely or not at all and was concerned. They requested the reverse side on my expired drivers license to verify that it is my account. ( poor vision will not allow my driving at this time ). I am out of the country taking care of family business and gave them my contact information in XXXX and assured them that my residence information in the USA had not changed. After my contacting the Consumer Protection Agency, hurriedly they posted negativity to my excellent credit rating ... .because they won't allow me to access my account ... not fair and is inductive of 'we have control ' attitude. Several days ago I called again ( 41 minutes ), they did accept a double payment from me and when I said you send me email every other day as 'friendly reminders ' and now you absolutely know who you are dealing with as you asked me if you could take the payment money from my XXXX account, you, at this time are positive it is me. I then requested to allow me to change my password to access my account, they refused and when I asked to speak to an English speaking supervisor ... .they hung up. Who are these people and what the XXXX is going on with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing address that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Wells Fargo Mortgage account XXXX XXXX and XXXX XXXX My wife and Ipaid off our mortgage loan, initially they had charged and refund a sewer tax for XXXX that Wells Fargo actually never made a payment. When asking for the payoff amount I explained this and was told they opened a case. This took place in XXXX after not hearing again I paid the amount due as they requested. I figured they would add it to the amount refunded to me. Well 5 phone calls later and a person who actually looked into it finally apologized that I needed to go through this. On XX/XX/XXXX @ XXXX XXXX said it would take 3-7 days to receive the amount. So on XX/XX/XXXX, I wired the amount they requested and Wells Fargo received it before days end and showed paid off. Today I am still waiting for my refund that they said was refunded on XX/XX/XXXX. 

I called again today and spoke to XXXX, also a pleasant person very apologetic. He said wait till Tuesday XX/XX/XXXX, they mailed it regular mail. I was told not to mail it regular mail did what I was informed to do and have to wait till maybe XX/XX/XXXX for my money owed me. This is XXXX week so when do I finally get my money if I don't receive it by XX/XX/XXXX? 

I hope there is some rule or law about someone have to wait all this time to get their money back ... Why does a bank require their money on their date or you pay a late charge, but they can take their time refunding?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint myself to inform you that I allege that the 3 Credit Bureaus have violated the Fair Credit Reporting Act or FCRA by inaccuarately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit reports immediately. These are the fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX