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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental property loan with XXXX Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were XXXX & XXXX, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/2023 XXXX
Product: Credit card

had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the company via email several times because I questioned the amount owed. I never got any clarification. I paid of the amount owed except for what I had questioned. This was never fully provided to me. 

The second issue was that I never gave XXXX XXXX  consent to see d me electronic bills. 

The third issue was that the store manager never changed the 0 % apr promotion expiration date. The date the furniture was delivered and the end of the promotional financing does honor the interest-free promotion that the furniture was purchased under and the company charged me XXXX in interest. 
After numerous emails I was given the number to the president and he only offered me an additional discount on any new purchase I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not use the card for the charge. I talked to the lady with the original credit card company. She said they would look into it. Next thing I know they put the account into collection. This is wrong. I dont want to pay for what I did not use. There is a thing call the law of cause and effect. You can gain a few XXXX dollars but you and many of your generation to come will suffer endlessly.
Product: Student loan

The loan balance never goes down. Whenever I phone them to talk about the balance they cant even provide me information on how the interest is calculated. 

When you log in to the account online there is no information on current balance, or interest applied to the current balance. My loan is 5200 $ ( aprox ) and when I calculate 6.8 % that is 350 $ roughly annually, this would be okay but I always pay more than 350 $ /12 - I think that the way they calculate their interest is slimy and not honest.
Product: Credit reporting or other personal consumer reports

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX XXXX, XXXX XXXX and XXXX which lists 3 separate accounts.I will start with XXXX XXXX XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Product: Payday loan, title loan, or personal loan

XX/XX/23 - I started an application for a personal loan through AVANT. I did not submit the loan application because I needed to update my address. I thought my change of living location could impact the loan. 

XX/XX/23 - I called and spoke to a representative at Avant to update my address and personal information. That was taken care of immediately. 

XX/XX/23 - Promptly after speaking with a representative about my change of address, I filled out and completed the personal loan application. 

XX/XX/23 - After filling out the personal loan application, I was told I was qualified and received an email stating that I had been qualified for the loan and to go to my dashboard to determine how I would like to receive my funds. I did as the email asked, signed the loan, asked for an ACH money deposit, and submitted it. As soon as I did that, I was closed out of the window for how funds were to be received and taken back to my account dashboard which had a notification stating I did not qualify for the loan. Under my account history, it stated that my loan application was declined on XX/XX/23, even though I had never submitted anything on XX/XX/23. 

XX/XX/23 - I received multiple credit alerts that a hard credit check had been conducted and that my XXXX XXXX went down because of this ( because I was qualified for the loan ) XX/XX/23 - I called Avant back to figure out what was going on. All I was told was that this issue has been " escalated '' and they would review my case. Whatever that means. 

XX/XX/23 - I emailed customer service regarding the issues presented above and received an email that things had been sent to the " appropriate department '' and if I had any further questions to email or call XX/XX/23 - I called customer service again to determine what was going on since all of the information I have been provided in the last three days has been generic and lacking any sufficient detail. I had to call twice because my call was dropped initially. Once I finally got a hold of someone, it was the same information I have been given the last XXXX days which was, " you're problem has been escalated to the appropriate department and they are still reviewing your case '' This is totally unacceptable. Not only was I told I received a line of credit and did not, but it has impacted my credit score because the inquiry went through. I haven't received sufficient customer service or information. I'm just passed along to another person who can't tell me anything of importance. This issue should not take three business days to figure out. I am beyond furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXXXXXX account on all three of my credit report. On my Experian it says I have a late payment on XX/XX/2018. On my XXXX and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Product: Mortgage

I reached out to Midland Mortgage about removing my late payments and they declined, They are in Violation of 15 U.S.C 1681 a. section ( 2 ) Exclusions. ( i ). This information was solely between me and the organization. Additionally, they are in violation of 15 U.S.C. 1681 ( a ) # 4 my Right to Privacy ; also, violation of 15 U.S.C. 1681a 2 ( b ) any transaction that arose from using my ssn, dob, or services that I initiated should not be listed on my consumer report. I have not given written permission to report this information to my consumer report. ( Violation of 15 U.S. Code 1681b ( a ) 2. 


My driver 's license attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine please correct the violations it's been more than 60 days : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to express my concerns and frustrations regarding my experience with Wells Fargo, specifically in relation to my credit card account. Despite closing my checking account with them, I decided to maintain my credit card. I anticipated that making payments would be as straightforward as with my other credit cards, but unfortunately, this has not been the case. I have encountered numerous obstacles that have resulted in unjust late fees. 

Firstly, on the day before my due date of XX/XX/year>, I attempted to link a bank account from another institution to my Wells Fargo account to facilitate payment. Unexpectedly, I was informed that this process would require three business days to complete, during which verification codes would be sent to my checking account. This seemed unusual to me, as Wells Fargo was the recipient of the payment, not the sender. As a result of this delay, I was charged a late fee of {$39.00} for XXXX. 

Secondly, after successfully setting up my checking account with my Wells Fargo credit card, I made payments for XXXX and XXXX. However, when I set up an automatic payment, it failed to process, resulting in another late payment fee of {$39.00} for XXXX. 

Thirdly, my credit card payment is due on the XXXX of each month. On XX/XX/XXXX, I noticed that the automatic payment had not been processed. I promptly set up another automatic payment. However, when I checked my account on XX/XX/XXXX to ensure that the automatic payment was scheduled for the XX/XX/XXXX payment, I discovered that it was instead scheduled for XX/XX/XXXX. This was surprising and concerning, as I had specifically set it up to take effect immediately on XX/XX/XXXX. 

Lastly, I called customer service on XX/XX/XXXX to inquire about the late fee charged in XXXX, despite having set up an automatic payment. I also questioned whether I would be charged another late fee of {$39.00} in XXXX, even though I had an automatic payment scheduled. I expressed my concerns about the numerous obstacles I faced when trying to make payments, which seemed to create a cycle of late fees. The customer service representative I spoke with was combative and suggested that if I manually paid my XXXX bill on XX/XX/XXXX, there would be no late charge. This response was unacceptable, as I was not informed of any delay in the commencement of my automatic payments. Had I not remembered the previous late fee, I would have been charged yet again. 

I am seeking your assistance in resolving these issues. I believe that the obstacles I have encountered in making payments and the resulting cycle of late fees are unjust. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.
Product: Mortgage

I got a letter today from Lakeview Loan Servicing , LLC concerning a data breach in their systems. They informed me this occurred between XX/XX/XXXX to XX/XX/XXXX. They then told me in the letter that on XX/XX/XXXX that the information accessed had my information included, including my ss number and my name. Also, between this time period is when I had my mortgage transferred over to this company. Whenever I sold my home to have the mortgage paid off through a lawfirm, the law firm even told me that they were showing a XXXX balance on the mortgage and that it somehow got paid off before i sold my home in XXXX of XXXX. I believe something fishy is going on with this company. I would like to see if I can recover my funds from this company or if it is possible to seek out a lawyer to recover the funds from which the house was sold back in XXXX of this year. The law firm is XXXX XXXX XXXX in XXXX north carolina. whenever i approached them and told them i was selling my home, they informed me that the loan was actually already paid off somewhere between XXXX and XXXX of last year, the same time the data breach occurred. i would like to get all of my money back from them because I feel like a scam has occurred and this hurts my heart and is heavy on me because of it. i do not accept their 1 year credit monitoring service because I already have credit reporting alerts from all three bureaus. I am a XXXX vet and I will get my state attorney general involved. their credit monitoring service is not enough
Product: Mortgage

My credit was damaged when my mortgage company misapplied a payment and then accused me of missing payments. I make my payments the first of every month without fail. 
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months, no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives, all of whom assured me that they would take care of it and promised to call me back ( they never did ), I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that " missing payment ''. When I asked about my credit ( score ) being damaged, I was assured that would n't happen. Of course, it did. When I contacted the mortgage company to ask that the negative information be corrected, I was informed by the " Research Department '' that this could n't be done as I had missed payments! Payment ( s ) that the mortgage company had misapplied. 
My credit has been damaged through no fault of mine, the mortgage company takes no responsibility, and I can not get through to anyone who can correct this misinformation and repair my credit score.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt. I do not have a contract nor did they provide me with an original contract or method of verification as requested. Per 15USC 1681 ( e ) ( b )
Product: Debt collection

Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

They keep calling and harassing me about a debt and being rude and demanding. They also called my family members and people that I havent spoken to in years! Threatening to take legal action and I called the number they left on VM and no one answered!
Product: Mortgage

On XX/XX/year> I contacted NewRez, my mortgage lender, to inform them that I am tax exempt because I am XXXX XXXX XXXXXXXX veteran. I provided the NewRez portal site the listed required documents. I waited two weeks for the changes to take effect. Newrez did NOT adjust my XX/XX/year> morgage payment to reflect no tax escrow. I contacted NewRez by phone XXXX XX/XX/year> and asked for a follow up on my tax exemption status and a refund to my XX/XX/year> tax payment. They requested another email to different email address. I complied and sent all required documents again. They said it would reflect in 72 hours. Three weeks later I heard no correspondence and I sent the email with required tax exempting documents again to both the web portal and the tax office. I have still not even received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
Product: Checking or savings account

On XX/XX/XXXX I cancelled a scheduled transaction from my USAA savings account in the amount of {$3900.00} for a mortgage payment that was due on XX/XX/XXXX. I received confirmation in my USAA portal that the transaction was cancelled. However, on XX/XX/XXXX I saw that the transaction was not cancelled and the payment was actually processed! In addition when I cancelled the scheduled transaction I went and made a payment to my mortgage company in person on XX/XX/XXXX with a check from my savings account. Because the payment was already processed it resulted in a double payment but there was not enough money in the account to cover it. Therefore it resulted in my check being returned for insufficient funds and I will be responsible for overdraft fees!! USAA is the most incompetent financial institution I have ever dealt with and they take no accountable for their actions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Selfreported # XXXX, Account name : XXXX Selfreported # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX  XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00}