23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, XXXX, SC XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$1400.00} XXXX XXXX : {$1200.00} XXXX  XXXX : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) 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 ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I traded my XXXX in through XXXX the beginning of XXXX. The company came and picked the vehicle up ( XXXX ) on XX/XX/year>. The payment isn't due until XX/XX/year> then I still have a 15 day grace period to pay. I have accumlated a late payment on my consumer report. I have reached out to XXXX and they been giving me the run around and won't send the documents that I have been requesting. Please drop the late payment off of my credit because it is hindering me from buying a house.
Product: Debt collection

AFFIRM INC This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Product: Credit reporting or other personal consumer reports

I am writing to address a review of my recent credit report from your bureau. Upon careful examination, I noticed reported late payments on my account, which I believe are incorrect. I have taken steps to verify any delayed payments and am pleased to inform you that other credit bureaus have already removed this late payments from their records. I am puzzled by the discrepancy between your bureau 's report and the others. 

XXXX XXXX
Product: Credit card or prepaid card

I received my bill on XX/XX/XXXX. I went to pay it the same day and I noticed the due date was XX/XX/XXXX.  The postmark on the envelope is XX/XX/XXXX and is labeled with " XXXX. '' I called customer service and explained the problem to XXXX who said she would remove the late fee, it was their error. She also stated within a week I would receive a letter at my home stating that it was their error, that the late fee was removed and they had contacted the 3 credit bureaus rectifying the slow pay. The bill was for {$70.00} that was due on the XX/XX/XXXX. I was told that in total I owed {$280.00} but the difference would be on the next bill. I paid the entire amount of the bill through XXXX on XX/XX/XXXX and it said it would be delivered on XX/XX/XXXX. 

I called Kohls again on XX/XX/XXXX at XXXX because I had not received the letter, nor heard anything from them. This time I spoke with XXXX. He stated that the late fee had not been removed, hence it would have been reported to the credit agencies. He stated that he " can reverse '' the late fee so it would not affect my credit rating ( which is over XXXX ), and that would " reset the credit bureaus. '' He again assured me that this was done while we were on the phone. 

I called back at XXXX XXXX on XX/XX/XXXX and asked to speak to the manager of collection debt. They told me the manager was unavailable, that I could speak with a supervisor. I refused this as I had already spoken with supervisors. I told XXXX that if I did not hear from the collections manager that I would be contacting CFPB. She stated all she could do was send a message. I have not heard from them as of yet.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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 by 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: Credit reporting

Although I have written confirmation dated XX/XX/XXXX from XXXX of the XXXX Executive Office confirming the XXXX hard credit inquiry someone made using my personal information is fraudulent, Equifax refuses to remove it. XXXX at XXXX insists he has already notified Equifax and the other bureaus. Although he admitted not every electronic communication is received, he adamantly refused to re-send it. When I contacted Equifax on XX/XX/XXXX, I was turned away by " XXXX '' with no help, saying they did not receive any notification from XXXX and suggesting I go back to them. When I did so I was informed that XXXX has the ultimate authority on this and no one else there would get involved. No other suggestions were provided on how to resolve this impasse. So we have XXXX and Equifax each pointing the finger at each other for something that could be resolved quickly by a few computer clicks. Removing a fraudulent hard copy inquiry is the right thing to do and should be a no-brainer. I would have thought these employees work in customer service, but apparently reaching out to each other and communicating in order to best serve consumers is just not something they do. A XXXX hard copy inquiry also remains on my report at XXXX, so apparently they did n't get the word either. Although XXXX says all bureaus have been notified, XXXX out of the XXXX retain this fraudulent hard copy inquiry today. I am simply asking - AGAIN, STILL - that Equifax remove it. Documentation on same including police and FTC reports, ID and proof of residence are on the way to all 3 bureaus. One can only hope there are some grownups working at the CFPB who can get the others to play nice with consumers and each other. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I'm reaching out to formally register a complaint regarding the inaccurate reporting of certain accounts on my credit report. It has been brought to my notice that the company responsible for reporting these accounts has made errors. They have admitted to an internal issue that led to the incorrect posting of past due statuses. 

I kindly ask that you conduct a thorough investigation into this account and rectify its status to accurately reflect that I have never been late. The accounts details are as follows : The details of the accounts in question are as follows : XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

called to seek forbearance in XX/XX/XXXX and XX/XX/XXXX. got approved for XX/XX/XXXX. XX/XX/XXXX they say i max out. told them i was unable to make payment with low income. called to tell them im in XXXX school and was told i can get deferment. call back in XX/XX/XXXX and was told different and that i cant get deferment and that there no options that they can help with.
Product: Debt collection

XXXX XXXX is communicating and reporting on my credit reports in attempt to collect a debt on behalf of Capital one, account numberXXXX. After i requested debt validation on XX/XX/2022, on XX/XX/2022 XXXX XXXX sent me a response in the mail with documentation stating they had the right to collect on this account, which is misleading and not true. I looked up on the XXXX that this company is not licensed to collect debt or practice debt collection in Nevada. XXXX XXXX is violating my rights under the FDCPA by misleading me to think they had the legal right to collect on this account and is in noncompliance with Nevada legal statue ; XXXX XXXX ; XXXX required ; exception. 
1.Except as otherwise provided in this section, a person shall not conduct within this State a collection agency or engage within this State in the business of collecting claims for others, or of soliciting the right to collect or receive payment for another of any claim, or advertise, or solicit, either in print, by letter, in person or otherwise, the right to collect or receive payment for another of any claim, or seek to make collection or obtain payment of any claim on behalf of another without having first applied for and obtained a license from the Commissioner.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Product: Checking or savings account

Chase Holding Funds On XX/XX/XXXX I went to my home bank in XXXX, Georgia and spoke with the lead teller, -- -- --. I informed her my visit to the bank was because my account was restricted. XXXX asked if I filed as an XXXX or XXXX XXXX. I told her I filed as a XXXX XXXX and that I have a listed dissolved XXXX, to show proof of business since XXXX. As we waited for my documents to be approved, she ensured me that the government was holding my funds. -- -- -, with a very condescending voice, wanted me to know that Chase was not involved in my account being frozen. I informed her ; I was able to withdraw funds on XX/XX/XXXX. She rudely responded, You should not have been able to pull those funds out. I was automatically met with poor customer service and treated like I was at a check cashing business and not my personal bank. 
XXXX -- -- - informed me that the legal department would not accept my documents ( Schedule C, loan documents ) and to call the SBA and ask for an EIN number dated before XX/XX/XXXX. I tried to explain that the Small Business Administration does not assign EIN numbers and filing as a schedule C ( XXXX XXXX ) my social security is my tax ID, which is written, as such on my schedule C. According to section D : Employer ID number ( EIN ) ( see instructions ) If you do not have an EIN, leave line D blank. My business qualifies as an eligible entity under the CARES Act : An individual who operates under as a XXXX XXXX, with or employees, or as an XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed XXXX XXXX XXXX from my report in XXXX for identity theft now its o back on my report as of today XX/XX/XXXX From the original creditor XXXX. They removed it and placed it back on my consumer report.
Product: Debt collection

I paid this debt in full on XX/XX/XXXX to the constables in XXXX, Utah. Both NAR and the constable agree that the debt has been resolved. However, NAR is claiming that a {$100.00} payment has been lost and is refusing to update the account on my credit report or submit to the court that the judgment has been paid in full.
Product: Bank account or service

I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee. 

My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 

What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account. 

I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure. 

I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Regards ; XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from Credit Collection Services concerning a dept of {$800.00} that I did not owe. On XXXX XXXX, XXXX, I called CCS and addressed my concern that I do not owe this account and the information they have is incorrect. I also asked them to send me any documentation they may have concerning this account. I also sent them a fax the same day pertaining to the conversation and the request of the documents. I never received anything from them. Two weeks ago I went and apply for a loan for my business, and I was denied because of that collection in my credit. This report had caused a very big burden to me and my business. I have been waiting for that transaction for two years and now I can not move forward with it. Please help me resolve this issue. 
Thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is 1 Experian didnt have sent me a single report of all my disputes by mail 2 Experian is acting ruthless to my credit report validating inaccurate information is my credit report like a dictator 3 I sent my proves of my disputes to Experian and even not a single report match with any credit agency with many thing they still say that this report is form the furnisher Committing violations after violations to my credit report
Product: Debt collection

I got me credit reports and noticed a derogatory remark on my XXXX, Amsher collection services and I have no idea what is this. Account shows that it was open on XX/XX/2013. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Product: Debt collection

I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries from 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 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 XXXXEXPERIAN XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim and identity theft with a federal case and have submitted documentation to experience and XXXX, and also Equifax to remove everything on my credit due to the cause of the data breach that caused my information to hacked.