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

I would like to address the reported late payments on my XXXX account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted XXXX and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from XXXX several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this time.
Product: Vehicle loan or lease

We took our XXXX car that is covered under warranty and that we are still making payments on to XXXX XXXX XXXX because a warning light lit up on the car 's dashboard. XXXX XXXX XXXX inspected the car and told us that repairs would be {$470.00}. I said told XXXX XXXX XXXX that we were still under warranty on our vehicle. XXXX XXXX XXXX refused to honor the warranty. They also refused to allow us to leave with our car, saying they had drained all the oil from the car and that we could not take it until we agreed to let them repair it at our expense.
Product: Debt collection

XXXX XXXX PH : XXXX {$1000.00} and their collection agency Credit Management PH : XXXX {$1100.00} Account : XXXX. This Account was originally closed with the company on XX/XX/XXXX and was paid in full at that time as this phone was not mine and the original owner of the phone had not paid the bill and I shut the services down put a block on my account for them to no longer have access. The bill had been paid in full and suspended. The original start date of the account was XX/XX/XXXX and closed on XX/XX/XXXX. The company continue to charge for services after this date the account was cancelled. They also sent it into a collection agency who has now reported a outstanding amount to all three agencies as well. This is not fair and it is damaging my credit. Please look into this matter and have it corrected please. Your help with this situation would gladly be appreciated. This is not fair to damage my credit like this.
Product: Credit reporting or other personal consumer reports

Sale contract from XXXX XXXX has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and Transunion continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was XXXX for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? XXXX XXXX has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and XXXX has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 S ( 2 ) ( b ) .I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX XXXX/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.
Product: Debt collection

I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 act can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for XXXX separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last XXXX years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Product: Credit reporting or other personal consumer reports

Reference Companys Response to Complaint ID XXXX : Rebuttal Response To whom it may concern, I am writing in response to Goldman Sachs Bank USAs ( the Bank ) investigation regarding my complaint about credit reporting for the Apple Card. While I appreciate the Banks efforts to address my concerns, I must respectfully disagree with the conclusion of its investigation and provide additional context that was not sufficiently addressed.

1. Billing Error Notice Was Sent Contrary to the Banks claims, a Billing Error Notice regarding the dispute claim was sent prior to the bill becoming past due. This was done in accordance with the Fair Credit Billing Act ( FCBA ). The Bank failed to acknowledge or resolve the complaint as required by law, instead continuing to issue automated reminders that did not address the substance of the dispute. I submitted the notice in good faith to ensure the issue could be resolved without adverse impact on my credit. The lack of action by the Bank on my Billing Error Notice constitutes a failure to meet its obligations under the FCBA. 
2. Failure to Resolve or Acknowledge the Dispute It is critical to note that the Bank did not respond to my Billing Error Notice or provide any explanation or resolution to the dispute before reporting the account as past due. The Banks response references its obligations to report accurate information to credit bureaus, but that obligation includes ensuring that any disputed amounts are not reported as delinquent while the dispute is under review. By failing to address the dispute in a timely manner, the Banks actions resulted in an inaccurate and unfair derogatory mark on my credit report.

3. Adverse Credit Reporting Without Resolution despite the Banks acknowledgment that I raised concerns through the Consumer Financial Protection Bureau ( CFPB ), the issue at hand began much earlier when the Bank failed to address my Billing Error Notice. Reporting my account as past due while the dispute remained unresolved is not only a violation of my consumer rights but also detrimental to my creditworthiness.

4. Request for Remedy I respectfully request that the Bank take the following corrective actions : Update the Credit Reporting : Remove the derogatory mark from my credit report, as the account was reported late while under a legitimate dispute. 
Improve Dispute Resolution Procedures : Implement measures to ensure timely acknowledgment and resolution of Billing Error Notices in accordance with federal law to prevent similar issues in the future. 

In conclusion, I believe this situation could have been avoided had the Bank properly addressed my Billing Error Notice in a timely manner. I am requesting that the CFPB review my case and ensure my consumer rights are upheld. I appreciate your attention to this matter and look forward to a fair resolution.
Product: Checking or savings account

I opened a checking account with HSBC, followed the step which is depositing {$1500.00} and maintained it within 90 days upon account opening, fine print said after maintaining {$1500.00} within 90 days {$200.00} bonus will be deposited to account after 8 weeks, its been 6 months and 1 week now, bonus was not credited to my account. I call customer service several times action was not taken.
Product: Student loan

My account number is XXXX XXXX XXXX Fedloanservicing or Myfedloan.org is the servicer. 

I submitted my XXXX XXXX form from XXXX XXXX XXXX  XXXXXXXX signed by my then employer in XXXX. The form is signed by my employer XX/XX/XXXX. 

My form certified I worked from XX/XX/XXXX to XX/XX/XXXX. 

I made " qualifying payments '' throughout this time. For some reason XXXX payments in XXXX specifically XX/XX/XXXX-XX/XX/XXXX are not credited as qualifying payments. 
That is XXXX payments I am not given credit for despite staying with the same employer. 

I was told by the Fedloan in a XX/XX/XXXX letter that the end date was before the start date. That makes no sense. It is also not true. This is a hot mess. 

I am attaching my last submitted employer certification form that covered this time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three companies locked me out I been try to rlfic the wrong info so they locked it out
Product: Credit reporting

Equifax is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Product: Debt collection

The account in question is a XXXX XXXX XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of XXXX. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last 4 of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the 7 payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this one check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!
Product: Mortgage

We have a mortgage financed with First Mortgage Company LLC on XX/XX/XXXX. 
Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to XXXX XXXX XXXX due to legal issues with XXXX president. 

Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX claim and stating that First Mortgage is still our loan servicer. 

XXXX XXXX sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and XXXX verbally agreed that we are current with our payments but should send our monthly payments to them. 

We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.
Product: Credit reporting or other personal consumer reports

You are in Violation of the Fair Credit Reporting Act. XXXX XXXX XXXX  in XXXX, Mississippi, ran my credit report over 3 or four times only to deny my loan even though my credit score was well above XXXX. This has also hurt my ability to get a loan from another institution. I did not consent to them doing this. 

15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country..
Product: Credit card or prepaid card

I have two PayPal mastercards accounts .. one is a PayPal cash card debit Mastercard card number XXXX XXXX and wanting is a PayPal prepaid Mastercard debit card card number XXXX I want them closed and I want a transaction history for both cards and I've been unsuccessful getting a hold of PayPal .
Product: Bank account or service

I paid off a $ XXXX to $ XXXX credit card balance with regular payments ( automated to be prompt ) for approximately 3 years. Sometime after the last programmed check was sent, I got a notice that I owed {$10.00}, and there was a late fee of about {$40.00}. I paid off the {$50.00} and got another notice a few weeks later that I owed another {$40.00} or so. I called to complain and asked, " How much money do you want to leave me alone? '' The agent apologized and removed all charges, said I did n't owe anything else, my balance was XXXX. I thought this ended it. Now comes my complaint. I learned that I had a negative entry on my credit report for late payments! This lowered my score and disqualified me for a loan I was applying for that offered favorable terms. This is not the first time that I end up hurt by Bank of America, and I feel a need to seek some justice.
Product: Credit reporting or other personal consumer reports

I received a notice from TransUnion that my dispute with XXXX came back verified.I asked TransUnion for a Method of Verification that I'm entitled to under USC 1681i ( 7 ) because it is impossible that TransUnion conducted an investigation at allXXXX XXXX sold their rights to report this account when they sold it to a collection agency ( please see attached XXXX XXXX XXXX ) XXXXXXXX XXXX has negligently and willfully continued to keep reporting this charged off account which is causing it to re-age and affect my credit score tremendously.A charge off should have NO payment history as it has ceased to collect by charging off the debt.This is a clear violation of FCRA 605 ( C ) and TransUnion should DELETE this account immediately for violating my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach, XXXX, Experian and XXXX have done nothing to fix the misuse of my credit. 
Please help me delete illegal accounts from all of my credit reports. 
The following accounts, addresses and inquiries were fraudulent. 

Fraudulent Addresses NEED TO BE REMOVED 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 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 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 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: Bank account or service

I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.
Product: Debt collection

that account was not opened by me. opened XX/XX/13. says I owe {$130.00}.