23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I take this loan back in XX/XX/XXXX. In XX/XX/XXXX when the Covid 19 Pandemic started i lost my job i contacted Exeter to explain the situation and they just allowed me to extend 1 month payment. MY wife was the only one working at that time and we made an extremely sacrifice to pay this loan, i called several times to request late fees waived and never were waived, so many companies did not charge late fees during that time but this company charge every month almost {$40.00} in late fees. My loan matured XX/XX/XXXX and at that time i had late fees outstanding in amount of {$1400.00} I called them and explained that i don't have almost {$1400.00} to pay at once they told me they understand but they reported me late 30 days just because the loan was matured and was not pay in full. they are reporting loan to be past due 30 days just because i did not cover late fees at the maturity they are reporting false and inaccurate information causing my credit to drop by XXXX points. The loan was not 30 days late the loan was not pay in full because of the late fees accumulated. i request a courtesy waiver and i don't have any response as of yet. I paid XX/XX/XXXX and then made 2 payments in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
Product: Mortgage

On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. 

I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. 

On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. 

Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. 

I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.
Product: Debt collection

XX/XX/XXXX formal letter stating Im not the person they are looking for. They looked me up and then began texting me. They are not looking for me but they continue to harass me.
Product: Debt collection

I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with XXXX XXXX XXXX XXXX XXXX for more than XXXX XXXX wants, {$210.00}
Product: Credit reporting or other personal consumer reports

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} DEPT OF EDXXXX {$770.00} CHILD SUPPORT XXXX VA {$0.00} XXXX XXXX {$2400.00}
Product: Mortgage

I  applied for a modification with SPS Servicing , Inc. However,  I received a denial letter dated   XXXX   XXXX   XXXX     advising I am not eligible for any retention loss mitigation options. However, after reviewing the denial letter they sent me the income they used in determining if I am eligible for assistance is {$1200.00} however, that is not the income I provided. I provided a profit and loss in the amount of {$4200.00}. Therefore, I want to know how they arrived at a figure less than what I provided. Furthermore, I have an ARM mortgage with an interest rate of 7.40 % therefore, I find it unlikely that I can not qualify for a lower interest rate to help me save my home.
Product: Debt collection

I filed a complaint on  XXXX   XXXX ,   XXXX   against  XXXX   XXXX  see case number  XXXX  This is the same matter from  XXXX   . T hey have been attempting to recover a " debt '' which I do not owe and keep on giving the debt for collection to different debt recovery agencies ; this is the  XXXX  one!   This started  XXXX   XXXX ,  XXXX  when  XXXX   XXXX  attempted to collect a debt for  XXXX . I demanded proof of the alleged debt via certified mail and never received a response. Then in  XXXX  of  XXXX , I receive the same attempt from another agency-  XXXX   XXXX   They dropped the claim and now I received another attempt from Convergent  XXXX . I do not owe  XXXX  anything and they have never produced proof of anything owed to them but keep on giving this alleged debt to different debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX, a collection agency collecting on behalf of XXXX XXXX XXXX. XXXX is reporting a debt over 7 years old and there is XXXX balance that was owed to the apartment community when I moved out. The reason I moved out was due to the apartment being infested with mold. After a reinvestigation, by Experian it was determined the item should be removed from my credit report, due to additional research and the retention time associated with this account. The item HAS NOT been removed and I have been denied a mortgage due to the item still appearing on my credit file. Please immediately remove this item!
Product: Credit reporting or other personal consumer reports

My report contains incorrect late payments, inconsistent with my payment history. Please address these mistakes and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my two federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and Equifax through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I filed a dispute to ExperianXXXX for a bankruptcy on my credit report. Experian replied that the bankruptcy was verified around XX/XX/XXXX. After researching how they would verify a bankruptcy, I found that they do this through another reporting agency called XXXX. 

I do not have a bankruptcy on XXXX. So I sent them a request on XX/XX/XXXX that requested information on how they verified it and who they verified it through. They provided me a notice to login online and review the response on XX/XX/XXXX. 

It was the same kind of response that simply said they verified it with the creditor. I wasnt disputing if it was mine or not this time. I simply asked how it was verified and who verified it, which they must legally tell me, per the FCRA. 

Not only that, but there is NO creditor in this case. Bankruptcies are not credit or debt that you financed. So I didnt receive the info I asked for and they lied about a creditor verifying it. Again, the reporting agency they verify bankruptcies through didnt have this bankruptcy on file for me. 

We proceeded to call Experian on XX/XX/XXXX to explain that they never gave us the info on how it was verified as well as the fact it wasn't there to verify on XXXX. At this point we requested that they remove it. The lady said she couldn't do that and that she'd submit a more detailed dispute of how it wasn't verifiable and to give them 30 days. 

I got another electronic notice on XX/XX/XXXX to login because my dispute was completed. Again, they gave me the same simple response that the creditor verified it was accurate. 

In addition to this, they removed a positive jcpenny account that I manage, which was helping my credit score. There was no reason to remove this and it dropped my score by over XXXX points.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my right to privacy and confidentiality under 15 usc 1681. XXXX Account XXXX XXXX  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. 

For account XXXX from XXXX XXXX of {$8400.00}
Product: Mortgage

XXXX Erroneous Foreclosed- ( FCL ) XX/XX/XXXX -Later Rescinded FCL- Modification accepted under duress for 1st & 2nd XX/XX/XXXX.Current on 1st but never recovered. 2nd ( HELOC ) is invalid debt ( wiped out with 1st Foreclosure ) -Extensive dispute over years not resolved- XXXX attempted to Foreclosed on HELOC again XX/XX/XXXX by recycling invalid Notice of Default on invalid Debt. Disputed once again. Not Resolved. XX/XX/XXXX XXXX sold Loan Servicing Released to Select Portfolio Serviceing ( SPS ) - ( Investor XXXX XXXX. SPS has filed an Erroneous Notice of Trustee Sale for XX/XX/XXXX. XXXX XXXX XXXX Kicked the can down the road but never resolved original dispute. SPS is attempting to sale home under a Trustee foreclosure sale but I feel is violating CA foreclosure laws and does not have a valid debt and /or has not gone though proper steps.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 in 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. 

XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX chase Informed me that my escrow analysis had been done and that my monthly payment of XXXX was being increased to {$1500.00} because my escrow was underfunded. I opened the loan with guaranteed rate XX/XX/XXXX. Chase received the loan from guaranteed and that is who I now pay. The escrow analysis showed that I began my account with {$1.00}. I gave chase a call to try and fix the problem and was told that this was correct and they had just paid taxes and this was correct. I stayed on the line for hours until finally a representative looked at the closing documents and told me she saw what I was seeing. She told me to dispute this and on XX/XX/XXXX, chase informed me that they found nothing wrong with the dispute. When I a asked them to take a look they told me this was not an internal issue and I am on the hook to figure this out. I have contacted mortgage lender and she informed me that it is wrong. Chase has been predatory in their ability to shove out a half done analysis without looking at any red flag ( i wasnt allowed to start a mortgage loan without prepaid escrow as part of my closing documents ) and shoved an increase on me. To have representatives tell me that it was a legitimate increase or keep me on hold for hours seems like a tactic being used to get people to shut up and just take the unjustified increase. I felt that I needed to contact a government agency because if I did not have a finance background like millions of other Americans I would likely have given up thinking this was just over my head and I was wrong. This is not right and this bank is not serving its customers. I am happy to discuss anything else on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} Equifax showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX Equifax closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, and XXXX XXXX XXXX  ACCT # 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
Product: Debt collection

I contacted the company regarding numerous debts that I did owe. I was told by XXXX that I could pay {$35.00} a month and as each of them were paid they would remove them from my credit report. I have paid almost all except one and none have been removed from my credit report. XXXX is no longer employed there and they are not honoring the agreement. I contacted XXXX who said she believes me but has to speak to supervisor. I have not heard back. XXXX has also increased my payment amount and changed my due date without my permission. She contacts me saying I am late on my payment and I tell her each time I did not agree to pay on this date or this amount and she says oh yes I remember but does nothing to correct the issue.
Product: Credit card

In XXXX I obtained a TD Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called TD bank and informed them I was canceling the card. TD Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from TD Bank. In XXXX XXXX I received a letter from TD Bank informing me I owed {$290.00}. Having no business with TD Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with TD Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent TD Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed TD Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a TD Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card TD Bank did not give the proper payoff amount and, unknown to me TD Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the TD Bank. I question how many others were subject to this tactic and just paid it? TD Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while TD Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX XXXX XXXX on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted XXXX XXXX XXXX today and they said they would not report it. That they removed alot of loans from the bueas due to covid but i was paying on time and had not requested them to do this. They refused to report my payment history for the last XXXX  years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.
Product: Checking or savings account

I made a dispute for {$40.00} atm charge that was taken out of my chime checking account on XX/XX/XXXX. I tried to take out money but never received the funds. Im reaching out because I need those funds asap and still havent received it back yet my case number for the dispute is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of invalid information only credit report that is hindering my file. I'm interested in disputing all incorrect information on my credit report. all credit reports are supposed to be 100 % accurate. please update all information asap.