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

I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XX/XX/XXXX issued by XXXX for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( XXXX/XXXX XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " Advisory Opinion to XXXX ( XX/XX/XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the BBT credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XX/XX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
Product: Debt collection

I have disputed this debt with the collection agency and submitted to them documents they have asked me a month ago, they said this is under investigation and they are sending it out to their partners that was a month ago, this week Saturday on the XXXX XXXX my credit fell behind 80 points due to a remark from this collection agency a negative remark that I am late 5 months, I called and asked to speak with a manager and he confirmed this is still under investigation but yet added a late remark on the account he told me he will remove this remark but he didnt he said this is a recorded phone like he is the manager name XXXX and assumed me this remark will be removed as its still under Investigation yet he still didnt- why would they add a remark when this account is under investigation yet why would the manager confirm he will remove this remark and NOT remove it? I have done everything they have asked me to do, to send detailed insurance information to send insurance on the day of service they asked me yet I havent heard anything back from them but they add a remark?
Product: Bank account or service

I would like to report a dishonest business practice of XXXX. The bank has charged service fees on my accounts without my consent. I had a checking and saving account with XXXX before and now they merged into East West Bank. XXXX of my accounts have been charged service fees every month after they merged into East West Bank without any notices. On XXXX XXXX, 2015, I talked to the branch manager ( XXXX XXXX XXXX ) in person and explained the situation to him and hoping he could give me some help. However, he was not helpful at all. He refused to credit me back the service fees and tried to put the blame on me instead. I was shocked by the dishonest business practice and the lack of professionalism of the branch manager.
Product: Payday loan, title loan, or personal loan

On XXXX of XXXX I opened a loan account # XXXX at the XXXX location inside the XXXX in XXXX XXXX, TX. Due to financial hardship I had to let that loan go so I stop doing payments. My financial situation improved and I had the chance to purchase my first home. My loan officer advices me to settle that account since it was affecting my credit and I would not qualify with it. On XX/XX/XXXX I called the billing department and I settle my {$6000.00} charged off account into a single payment of {$3500.00}. The rep XXXX XXXX gave the confirmation # XXXX and promised a letter stating the {$0.00} balance within 5-7 business days. Its been 29 days and that account still appears as debt and I have not received the confirmation letter. I called on XX/XX/XXXX asking for an update and the letter. The rep told me that its still processing and that it would take another week. He said he would escalate. On XX/XX/XXXX I called again with rep XXXX XXXX and he recognized that timeframe given was ridiculous. He knew that the company has messed up and he gave me the reason but he explained that the situation was not on his hands. He said he would escalate again to what I mentioned that it was already escalated. So I questioned what the previous rep and supervisor have done. He said supervisor XXXX XXXX would take the case. A month has passed and it has not been removed from my credit and I have not received the confirmation letter. I need the letter to close on my home or I will loose it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the XXXXXXXX XXXX to correct their error immediately with no progress. 

I also have an letter here from XXXX XXXX for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and XXXX XXXX! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,
Product: Consumer Loan

I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

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

I currently have a loan with OneMain Financial and I am behind in my payments. They consistently call my phone - at least 4 times per day. Twice in the morning and again twice in the evening. I was able to answer a call on Saturday, XX/XX/2016 around XXXX only to be chastised about not being able to speak with a representative. After explaining that I was in a rush to head out of the door but would call back to discuss a payment arrangement, I was then interrogated as to what were the exact reasons behind my financial difficulties and when could they expect a payment. After again explaining that I was in a rush and unable to speak, the representative then stated that " they had been trying to reach me and could n't understand why I did n't have time to speak with her then ''. I then informed her that I did n't have time to speak with them b/c I was busy trying to find a way with work in order to pay the outstanding balance. At that point I again mentioned that I would return their call and ended the conversation. I understand that there is a balance due but this company has constantly harassed and threatened me and my fiance regarding our account. We have been paying down an account we opened years ago and still have more than half remaining. Their accounting figures do n't match what we 've paid and on top of that, they are n't easy to deal with. Given the nature of the economy and so many people having difficulties, it would be thoughtful enough of this company to not only provide training to their representatives regarding accounting practices but simple courtesy and compassion could go a long way. The constant phone calls and veiled threats to send the account to " legal '' - whatever that may entail - are over zealous and obnoxious. I have done a lot of research online regarding their company and their practices and it has considerably gone down over the years that I have had the account. My goal is to find any way possible to pay off this account and I will NEVER open another account with them again and WOULD NOT recommend anyone to use this account no matter how dire the circumstances.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

A called the mortgage servicer, PHH Morgtage Services, to request a 180 day forbearance on my federally backed XXXX XXXX XXXX ) due to financial hardship directly related to the Covid-19 pandemic. I explained that my work hours had been dramatically reduced due to circumstances related to Covid-19. I explained that I was requesting this relief under the CARES act.

PHH is unwilling to offer a 180 initial forbearance as requested. They are willing to offer only a three payment forbearance, effectively 90 days. They state that after 90 days they will " review my situation '' and may be able to offer an extension. 

I believe PHH is acting in bad faith, and intends to impose needless inconvenience in order to dissuade me from enjoying the relief I am entitled to under the CARES act during this hardship.
Product: Mortgage

I paid off my CitiMortgage per their records on XX/XX/XXXX. They apparently waited to XX/XX/XXXX to forward to local county to have satisfied. I 'm told Citi used a 3rd party to do this. No one could tell me why it took a month to forward. I next called the County and they told me the docs were returned to the 3rd party on request of Citi. It is now XX/XX/XXXX - my 3rd phone call and I have NO documentation that it was satisfied. I paid all those fees. This is a big deal after so many years and I want my original mortgage and note - marked cancelled - which is a common practice. I worked in Mortgage Servicing for a LARGE bank for 10 years, I know this is something that can be done. They want to send me an email!! I want my original documents that we signed - we want to retire and I want to surprise my husband that it is paid off and have a party. This is not too much to ask after paying 30 years for a mortgage. Now it needs to be sent to another location and they wo n't even listen to me. Why do we pay all these fees for satisfaction and recording and we get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Man at this point I am really sick of trying to deal with this company. 
I called Sagestream and left a voice message AGAIN and no one answered as usual NOR did anyone call me back. Hoping to get what I need done through here. 
You guys should really double check that these companies are submitting working numbers because they aren't working for us consumers. On top of that the ID 's I sent were clearly visible so it seems like they are just playing games with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled credit report twice within a week and did not remove second inquiry.
Product: Mortgage

Champion Mortgage is listed as a predatory mortgage co. Not my words but true. My XXXX property taxes were mailed to the wrong address by my living will, living trust attorney, therefore I did not receive the property taxes. Champion Mortgage contacted me and my daughter threatening foreclosure. I called them and made arrangement for payments. I made the payments and have records that they received these payments. They have been harassing and threatening me and my daughter ever since. XXXX. XXXX   allows the taxes to be paid in three payments, Champion does not. I had this happen on a rental property as well. They were wrong and it was rectified.
Product: Credit card or prepaid card

Yesterday when I was looking at my account it was no pending transactions. I had a balance of {$110.00} and available credit of XXXX. I made a payment of {$110.00} towards my balance at Keybank in XXXX XXXX NY. Then when I looked at my account my balance and available credit was changed only a little. I went back into the bank to see what was going on and they told me it takes 24 hours  to post to my account. I looked at my account today and it said I owe another {$220.00}. I went into the bank & they told me that maybe I made another transaction between yesterday and today when I know I didn't. 
I just looked at my account and now im seeing repeated transactions ( that I already made earlier this month ) saying it was posted yesterday. I know it was posted before then because I check my account every single day more than once a day. And the money was already took out of my account and credit for. 

I first got the secured credit card with a deposit of {$300.00}. I just paid {$110.00} yesterday now they're telling me I owe another {$220.00}. I dont know what type of scam they got going on but they're really the worst and I refuse to pay more than what I originally put on the card. I didnt have no late payments or anything. Actually I paid earlier than the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I sent this request on XXXX and they still have address on my credit report that I do not live at. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Money transfer, virtual currency, or money service

I had $ XXXX USD wire transferred on XXXX XXXX from my XXXX account to a TD Bank account to be used to fund my defi crypto.com account. See attached XXXX wire transfer confirmation letter. The TD-Bank receiving account information was provided by the defi crypto.com customer service team for use in funding my new crypto.com account. Despite several communications and submitting an XXXX wire transfer confirmation letter I have not been able to get confirmation on the $ XXXX USD funds received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The posted hard inquiry that I didnt do.
Product: Student loan

As a co-signer on my son 's student loans with Navient, I want the flexibility to make payments that are applied directly to principal that do n't interfere with how the regular monthly payments are received and processed. Ideally, I would like to set up an autopayment from my bank account ( monthly ) applied XXXX % as a principal reduction that will not interfere with my son 's autopayment of Interest and Principal payments. The payment options they offer are too limited. The manner in which payments are handled results in prepayment penalties ( extra interest and fees because you ca n't reduce principal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR BANK OF AMERICA ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting

I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
Product: Debt collection

Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service
Product: Debt collection

i have not supplied proof under the doctrine of estoppel by silience engelhardt v. Gravens ( mo ) XXXX XXXX XXXX presume, that no proof of the alleged dept nor therefor any such dept infact there for exists,