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

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Product: Debt collection

I had electric services with XXXX  XXXX  XXXX, XXXX, I was moving out of Indiana, had my account requested to be closed on XX/XX/2022. I have paid all my bills on time for electric utilities. On XX/XX/XXXX, the account was closed and the final bill came due, XXXX, I paid this on XX/XX/XXXX, the due date on the final bill was pay by XX/XX/2022. Apparently on XX/XX/2022 I was sent to debt collections LJ Ross associates, I received a letter dated XX/XX/2022 that I was sent to collections for XXXX ( this was already paid ). Since mail takes some time to get to me, I opened the letter on XX/XX/XXXX, was distraught that this occurred. I called XXXX On XX/XX/XXXX in the XXXX, they said that there was a " system error '' that occurred and several accounts were sent to collections mine happened to be in that account, then it was recalled on XX/XX/XXXX, they said nothing will go to credit bureau and that LJ Ross or other debt collector should not be collecting. I then called LJ Ross later in the day on XX/XX/XXXX, they stated the account was recalled and they can not give any other information and told me to call XXXX. I then called XXXX they said that it was a system error account has been recalled, I have paid in full, and that it should not hit the credit bureau, but it would be LJ Ross that reports that, they said to check XXXX in a couple of weeks. I stated okay, and I stated that this is a significant amount of work, time consuming out of personal time, and requires checking multiple places ( XXXX, LJ Ross, XXXX ), and that there should be compensation for literally time wasted for an error done by XXXX, I was denied compensation, one rep sent me to a supervisor, I notified the supervisor who I spoke with I would like this I was told I can file a damage claim online ( there is no damage claim for financial compensation ), and then I was told another supervisor would reach out for my concern, I notified that this type of behavior is not acceptable to have accounts sent to debt collection and waste customer 's time, and I should receive compensation, I notified the supervisor I will post on CFPB for this behavior. I would like fair compensation for my efforts at making sure I am not put into debt collection for no reason, my credit report is not damaged. This compensation can be negotiated with myself.
Product: Credit reporting

Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX  will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this INNACURATE information they verified it as accurate which it indeed INNACCURATE. THEY CAN NOT PROVIDE ME ANYTHING WITH MY SIGNATURE
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to remove some of the incorrect entries from my credit report. I would like to bring to your attention that there are still some items that need to be corrected. This is my new attempt to notify you that I suffered from incorrect credit reporting and I write to dispute these items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an erroneous credit data : 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  These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ),  Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.
Product: Credit reporting or other personal consumer reports

I sent a initial disputed to Transunion asking them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, Transunion sent a letter stating that they were not going to reinvestigate the account, because it appeared that I was working with a credit repair company. I think this is a stall tactic. On XX/XX/year>, I sent Transunion a letter giving them 15 days to reinvestigate the items listed above, in accordance with 15 U.S.Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) ( B ). Transunion has surpassed the 15 days, which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, I got on my phone and opened my bill pay app from XXXX and it said that I didn't have a payment due in the month of XXXX. So naturally I just thought I was XXXX month ahead. When I logged in today it showed that my account was more then 30 days past due. I made both payments today so that the account was current however we are never late on our payments and would not have been late this time if it wasn't for Fords app telling us that we didn't have a payment due. I'm not blaming XXXX, however I am blaming a faulty/malfunctioned app. In the current digital world that we live in, an update on a phone or an update to an app could cause this type of situation. This caused a XXXX point drop in my credit score and I have worked really hard on my credit, I would really appreciate some help with this matter. 

Thank you
Product: Debt collection

Hoosier Account Services was the collection agency for a medical debt that I owed that I did not know I had. I was contacted on XXXX/XXXX/XXXX about this debt. After almost 2 years of fighting my insurance company and original account holder, I payed the account in-full ( {$20.00} ). I payed this on XXXX/XXXX/XXXX. Hoosier Account Services continues to not report correct information to the credit bureaus. 

The first item that is reported wrong is the " Date Reported ''. The date that they are giving the credit bureau is XXXX. How could this be when I paid the debt back on XXXX/XXXX/XXXX? Also, It is showing the last payment date as XXXX/XXXX/XXXX. This also is wrong as I paid the account in-full on XXXX/XXXX/XXXX. This could lead to the negative account staying on my account for longer than I am legally responsible for. 

I have disputed this account with XXXX and Hoosier Account Services continues to report the wrong information. They also verified this debt as a " Medical Debt '', which verifying medical account information is in violation of my HIPPA rights.
Product: Credit reporting or other personal consumer reports

The Following Inquiries have been added to My Transunion Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 

XXXX XXXX Inquiry : XXXX XXXX XXXX  + Banks IXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX : XXXX XXXX XXXX + Banks XXXX XXXX : XXXXXXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Finance/Personal XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other XXXX XXXX Finance Companies XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX
Product: Student loan

when I called fed loan servicing to make a payment the system said I was past due and if I didn't make a payment they would report me to credit agencies.They said I had to make a payment of XXXX $ or I would be reported to credit agencies so I paid XXXX. They still reported me even though I payed. I called to ask about why they did this even though I had paid. They said that it was because they had probably already paid. I then said I would pay my loan off in full but they refused to take the report off. This is predatory and falsifying information just to get me to pay. They violated their word. I want to register a complaint. This resulted in a 71 point hit to my credit.
Product: Debt collection

On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount. 

I have not heard back from this company in regards to my request. 

This company has failed to get back to me within the 31 day period, so they are already in violation. 

This company has sent me letters threatening to sue me for this amount
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I mailed my lease payoff documents and a cashier 's check in the amount of {$54000.00} to Toyota Financial Services, at the location they requested. On XX/XX/XXXX they acknowledge they received my payoff documents, but didn't know where the cashier 's check was. The documents and check were in the same sealed envelope sent, and there was no notice or disclosure that it was tampered with before the mail was handed over to them by XXXX. Simply, they lost this check. They claim there is nothing I can do besides continue to pay the monthly lease payments and resend the check in 90 days ( Oregon State Law for stop payments/reissue of cashier 's checks ). Effectively, I have to continue payment the interest and rent payments for this lease monthly payment until I can send in a new check. I will have spent over {$2000.00} on these extra payments more than I should be since I sent them the documents. There is no refund, no support, or acknowledgement that XXXX takes accountability and that it is my burden to deal with. I have spoken to many agents and all of them gave me conflicting information. I asked if I could record their conversations because I was worried something like this would happen, and they said it was absolutely illegal. The customer should always be first, and this feels like fraud. Did they purposely lose my check so I had to squeeze in extra monthly payments so they profit more? Many others are complaining about this across the internet and the customer is always losing.
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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: Student loan

For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.
Product: Checking or savings account

on XX/XX/XXXX I opened a checking account in Citi bank, at that time there was a promotion, " open a checking account, keep deposit in the account of {$200000.00} for 60 days, can get {$1500.00} bonus ''. I deposited {$200000.00} on XX/XX/XXXX. On XX/XX/XXXX, I thought it has been 60 days, so I used chat system of Citi bank, a representative named XXXX chatted with me. I asked him if I have met all the requirements to get the bonus, he said yes and I only need to wait until XX/XX/XXXX to get the bonus deposit into my account. Then I asked if I could move the {$200000.00} out of the account. He said that I can move the money and it won't impact my bonus. I have screen shotted of this chat and attached please find the screenshot. In XX/XX/XXXX, I still didn't get the bonus, I call Citibank, they told me the 60 days means the 20 days after I opened the account till the XXXX day. I argued Citi 's representative told me that I have met the requirements and I could move the money out of the account, so it is not my fault. They said they will record my complaint, but after XXXX week I got a mail said I still didn't met their requirement. Then I complained again for the misled of this representative XXXX, and until now, I never got any response.
Product: Mortgage

XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...
Product: Credit reporting

XXXX The information attached is from XX/XX/2010. The documentation provided to The Bureau as it relates to my calculations show specifically that there is Absolutely Unequivocally no such amount due whatsoever. I have provided the Sworn Affidavit submitted signed and notarized by the Custodial Parent there was paid directly to her $ XXXX plus. The information suggests Interest you ca n't charge me interest if payments were made. 

Secondly there is Affidavit from the Attorney General stating there is noting outstanding and I demand this cleared up now, post haste. This egregious reporting is affecting many things and to be ongoing for as long as it has when I have had more than XXXX entities and individuals attempt to clear up this matter ; I believe it has gone on long enough. Far to long.
Product: Debt collection

I have several issues where from being impacted by credit use that several times took negative turns increasing pressure to where it is and the pandemic are warranting a need for cfpb protectoin. Amex, and others are treating the pandemic differently and reporting is at the heart of the issue. Complete and Accurate reporting accounting standards dictate that being impacted by the pandemic be reported to the credit bureaus. This is not being done and in cases where it is being done it is only done if there is a program in place which many times one never even existed so it was never done. This leads to many issues. First if it is not reported to credit bureaus that deliquency is a result of pandemic impact the agencies do not have the data of who is effected and for how long. Second, there is no basis for efforts by the lenders and credit agencies to limit the length of exposure for pandemic impact delinquency. If it was reported this would serve as powerful data that absolutely is a requirement for millions of americans greatly impacted and for myself I will likely be forced into an unnecessary bankruptcy and I am hounded constantly with over 15 calls in a typical day ranging from XXXX to the evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX, I have been requesting that Equifax update my legal name on my credit report. The name currently displayed on my report does not match any form of ID that I hold or any name reported by a creditor. I have submitted my court order of name change ; my driver 's license ; and my SSN card a total of XXXX  times for Equifax to review. As of today they still insist that they have not received a copy of any documents since XXXX of XXXX and can not use those documents for verification, as they are too old. 

On XX/XX/XXXX, I submitted my verification documents via email. On XX/XX/XXXX, I submitted them via physical mail. I submitted them again via physical mail on XX/XX/XXXX ; XX/XX/XXXX ; and on XX/XX/XXXX. I submitted via web portal upload on XX/XX/XXXX. And I submitted via fax on XX/XX/XXXX. 

At this point Equifax 's continued insistence that my documents have NOT been provided to them appears to be malicious, showing that my name change requests are being ignored and/or discarded willfully.
Product: Bank account or service

Consumer ID # XXXX Social Security # XXXX Email address : XXXXXXXXXXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I opened an account at Bank XXXX in XXXX and was closed in XXXX. At the time it was a joint account and with myself and my husband XXXX XXXX. 
The account was closed due too much over draft use, however its showing in CFPB that suspected fraud activity was reported. I have contacted PNC regarding the reports made to CFPB back in XXXX and never received and explanation or resolution. I am aware that I may owe a negative balance, but I do dispute any suspected fraud activity on my account with PNC Bank. I would like this removed from my CFPB report promptly