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

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND PORTFOLIO RECOVERY ASSOCIATES. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my loan was XXXX under proven XXXX as submitted and accepted from my physician. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer Nelnet has proved futile to correct my credit reporting as a severe derogatory item on my credit report.
Product: Debt collection

In XXXX of 2020 I was contacted by a collection agency -- Oklahoma FMS -- for a " debt '' that I was unaware of. I disputed the debt and in XXXX they provided me with information they received from the " creditor, '' Synchrony Bank Pay Pal Credit. This consisted of a bill showing a series of charges made in a seven day period. Part of those days I was camping and not near any merchant. All the nine charges are either {$29.00} or {$29.00}. 
I requested Synchrony bank to provide me with the name of the merchant and the nature of the charges because neither was shown on the information I received from Synchrony Bank. 

They were not able or were unwilling to do so. Now they have hired a different collection agency, XXXX XXXX XXXX and I have disputed this debt with them.. 

The series of charges is highly suspicious because of the dates incurred and the similarity of the charges. Additionally Synchrony bank did not have my current address. The address they had used in the statement provided to me by Oklahoma FMS had not been my address for more than two years. I was not aware that I had a charge account with Synchrony Bank or Pay pal. 
I believe I did not incur any of the charges so I dispute the validity of this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed an additional XXXX XXXX XXXX XXXX credit card- with an inquiry dated XX/XX/XXXX. I called the credit card company, who informed me they had sent letters to credit bureaus to update and fix it. After speaking with the Bureaus, they referred me back to the CC company with no results as of today. XXXX  XXXX is aware of the fraud, but the follow-up and the letters have been delayed. 

I am closing on a new home this XXXX, and I need my credit reports updated and reflect the correct informtion. 

Please note I do have a XXXX XXXX XXXX since XXXX, and it's in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to XXXX and Experian regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21
Product: Debt collection

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, EQUIFAX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$770.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$1100.00} XXXX ; Reported : XXXX XXXX, 2024 - {$1600.00} XXXX XXXX XXXX : Reported : XXXX XXXX, 2024 - {$5100.00}
Product: Credit reporting or other personal consumer reports

The company is continuously causing damage to my credit by sharing inaccuracies on my credit and their also reporting without consent and its been over seven years!
Product: Vehicle loan or lease

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to XXXX status paid as agreed never late according to consumer protection law.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX   notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.
Product: Credit reporting or other personal consumer reports

The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - XXXX personal data reporting is inaccurate. 
EMPLOYER - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - XXXX personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!
Product: Mortgage

As the Seller I have been treated horrible, and after 67 days our home still has not closed and we still have no closing date. 

Working with Chase Mortgage has been a nightmare. Our pre-qualified buyer and I decided to use Chase Mortgage Banking since were both Chase customers. However, if we had known in advance of the incompetence, inexperience, lack of professionalism and continuous resubmission of documents, we would not have used Chase to close my home. Every time I tried to personally get information from the lender he said I had to ask the buyer, because he couldnt give me information for privacy reasons. Since when cant a lender give the Seller information regarding the buyers documents status and the closing updates on Sellers home? 

History : I put my home on the market XX/XX/XXXX. The buyer and I signed the contract XX/XX/XXXX. XX/XX/XXXX XXXX XXXX of Chase Mortgage received our contract and said everything looked great and we should be able to close in 35 days or by XX/XX/XXXX. The appraiser came on XX/XX/XXXX and we renegotiated the price based on the appraisers low estimate ( that is another complaint ), with an addendum to our contract. The new addendum was signed and submitted to Chase on XX/XX/XXXX. By the way, per the original contract the approval letter should have been submitted within 5 business days. That didnt happen. Our buyer received her approval letter via mail on XX/XX/XXXX. 

Complaint : On XX/XX/XXXX when I complained to XXXX XXXX, Home Lending Advisor about the lack of communication on updates, changes, documents, closing and response to questions asked, he said not to speak with him and to solely communicate with our first time home buyer for information and feedback in the future. Chase lending has not been responsive to me, the buyer or the Attorneys office with updates or the closing status. After 67 days, no one knows what is going on. Is this how Chase Mortgage trains their lending staff to treat valued mortgage customers, or is this treatment reserved for XXXX and XXXX? 

After selling three homes, Chase lending has been the absolute worst experience. The treatment throughout this process is unacceptable. Every promise Chase Mortgage has made has been broken, without apology. 

This is what I want to happen, immediately. After 67 days with no closing date scheduled or insight, I want to know our exact closing date and time today. I want Chase lending to communicate with me and the buyer directly and have us close as soon as possible, without any more excuses and needless request.
Product: Student loan

Hello, I have spoken to XXXX people at Navient now over the past month. They tell you to not call back until about a week before your first payment is due in order to establish a payment plan. SO, one calls a week before to set up their payment plan and are given the amount. I watch my account online for it to reflect the amount and it does not. Not wanting to default on my first ever student loan payment, I pay the full amount. 
I then call back to Navient to try and set up my other loan payments only to finally find out that they will set up the payment plan BUT you have to make the first payment in full and THEN the Payment Plan will take effect on the next billing cycle. Is this not the point of a Payment Plan? You ca n't afford that payment as is! 

Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX my automatic payment to Target Red Card was returned by my financial institution. I immediately called Target to ask if they would represent the item for payment, which they stated that would not, so I processed an additional payment ( in full ) the same week. This payment took my balance to {$0.00}. 

I requested a one time fee waiver of the returned payment fee {$29.00} and Interest Charge of {$8.00} both assessed on XX/XX/2020. This request has been declined twice. I have maintained a Credit Card in good standing with Target for 5 years with no late fee 's or returned payments, with the exception of this one item. I've never heard of a financial institution not reversing any fee 's at all. In addition, I'm not sure how I can be assessed interest as my payment was not past the due date.
Product: Mortgage

My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. 

In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. 

Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. 
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX XXXX XXXX attempt to opt of reporting services for the Capital XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or XXXX XXXX XXXX section XXXX states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX states that It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( a ) section XXXX references In general Subject to section ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) states Except as authorized under subsection ( b ), 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 XXXX years. This account is in fact an adverse item they are reporting without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) states that 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 information is inaccurate. Furthermore, XXXX XXXX XXXX ( XXXX ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Finally, pursuant to XXXX CFR XXXX A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I disputed this on XX/XX/2024 on this site and the company responded and said that this was not reporting on my report. I pulled a copy of my report to prove that this is reporting and needs to be removed. This company has lied about this not showing on my report several times. Please remove this off my report as it is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, Team Leader of Wakefield & Associates, Employee # XXXX has continued to call and harass me and my family. This debt is from XX/XX/2013 and should have already been resolved and removed from them and my credit, as I am have been employed with same company for 15 years and held valid health insurance the whole time. The rest of this debt was paid already by insurance, this is the outstanding. This debt is not mine, as it was to be paid by employer provided health insurance. I have advised them of this numerous times and they continue to call and harass. I asked them not to contact us until the health insurance does their portion to resolve this, yet they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reference to complaint  XXXX ,   XXXX   and  XXXX . This account from Office of Attorney General is reporting incorrectly. I have paid every month as agreed. The agreed monthly amount has been coming directly out of my check. However it is being reported delinquent when it is not. All months starting from  XX/XX/XXXX  to current needs to be noted and reported as paid as agreed each of these months. Even though I am paying monthly, which is being directly taken out of my check. OAG is still reporting delinquent each month. That is incorrect and unfair. OAG is reporting delinquent each month vs paid each month.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than XXXX days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me XXXX  days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : CONS COOP - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this XXXX late remark from the payment history. Late XXXX  days in XXXX XXXX 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. '' XXXXXXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " Late XXXX days in XX/XX/XXXX XXXXXXXX XXXX days in XX/XX/XXXXXXXX XXXX
Product: Debt collection

Since XXXX I have been trying to work with this company on removing and verifying my Identity and signature as I never had any goods or service from them and the account or service provided was due to Identity Theft. I provided the company with a copy of the Police report, Identity Theft report, My Driver 's License and Social Security Card as they request only for the company to update the information with my current information provided to them as they did n't originally have this information but sent a response back to the credit bureau as being a valid account and added additional charges to the outstanding fraudulent balance. Updated Credit Report with ( Acct INFO Disputed by Consumer : Placed For Collection ) Even though they have the Police Report, Identity theft Report and an valid Id Showing my address for the last 6 years along with a company of my social security card.