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

I have disputed several times to XXXX and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that XXXX XXXX XXXX is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that XXXX XXXX says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XXXX on XX/XX/2019 I spoke with an XXXX XXXX representative by the name of XXXX and her supervisor name was XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.
Product: Payday loan, title loan, personal loan, or advance loan

I heard one main was putting unexpected fees and interest on my past loans. I would like to check into it i have done one main XXXX
Product: Student loan

I am set up with autopay for my student loans with Mohela. In XX/XX/year>, Mohela changed how they were applying my payments and instead of applying the payment across all loans, they changed it to all go to XXXX loan and are reporting the other loans as passed due. All payments were being applied correctly up until XX/XX/year>. I spoke with customer service on XX/XX/year> and was on the phone with them for over an hour. They acknowledged the error and stated they would turn it over to a supervisor. On that call I also inquired why one payment I made ( XX/XX/year> ) was not showing a

nd they said they could see it on their end, but it had not been applied to my accounts. They corrected that. They are still applying my autopayments to only one loan and are reporting the other loans as passed due. I also get letters that have different amounts due for the loans.
Product: Consumer Loan

Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX
Product: Debt collection

I contacted Fresno Credit Bureau on XXXX XXXX 2018 and this is not my account.
Product: Mortgage

What happened? 
MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... .. XXXX XXXX AND FREEDOM MORTGAGE intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan. The Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. Freedom Mortgage used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...
Product: Credit reporting or other personal consumer reports

XXXX {$0.00} XXXX {$0.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I lived in XXXX  last year. I had to visit the hospital a couple of times due to some severe XXXX. 

I do not know why Arbor Professional Solutions is trying to [ double ] bill me. I know there is no reason why I would still be liable for a medical bill in XXXX. Nevertheless, Arbor Professional Solutions has left two derogatory remarks on my credit scoreone on XXXX XXXX, XXXX  ; the other on XXXX XXXX, XXXX. 

I had - and still have - XXXX XXXX medical insurance that would cover the cost of emergency trips to the ER. They never attempted to bill this insurance. At one point I was LIED to : I was told that an attempt was made to bill my insurance, but was turned down. I contacted XXXX  XXXX, who confirmed they were NEVER contacted regarding these medical charges.
Product: Vehicle loan or lease

I have been violated by CHASE BANK. They have committed acts of fraud against me. I have reached out to them via U.S. Registered Mail with return receipt that one of their agents had received all mail correspondence. I have attached a copy of the final communication from CHASE BANK, and they have admitted to fraudulently processing my credit card ( Also known as ) my social security card for an auto loan application. They have violated 15 U.S.C 1602p " unauthorized use ''. They have also violated Cal. Civ, Code 1572 Fraud along with several other violations. CACI No. 1800. Intrusion Into Private Affairs. CACI No. 1804A. Use of Name or Likeness ( Civ. Code, 3344 ). As a result of their fraud, my consumer credit report has dropped causing me to be denied from other credit opportunities and paying a higher interest rates. They has never had my permission or authorization you process my credit card. They can't produce any application with my signature or my consent for them to process my credit card aka Social Security Card. I am prepared to take this commercial matter to court to get my remedy. Also shown in the mail correspondence from CHASE BANK, they refused to respond in a sworn affidavit.

codes violated : CACI No. 1803. Appropriation of Name or Likeness - Essential Factual Elements 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 78ff - Penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

They are also in violation of the FDCRA, Truth and Lending and FCRA.

Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also 15 U.S. Code 1681b - Permissible purposes of consumer reports ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 15 U.S. Code 1666 - Correction of billing error ( 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.

15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Please kindly remove the items and update payments and paid on time with XXXX XXXX XXXX.
Product: Debt collection

I moved out of XXXXXXXX XXXX XX/XX/XXXX my lease was broken early. I was contacted by XXXX XXXX in XX/XX/XXXX to advise an amount via email. I personally went to the office and met with XXXX the manager who acknowledged the termination fees were charged twice in the amount of {$3900.00} The fee in the lease shows two months rent. My rent was {$980.00} the fee was {$1900.00}. We agreed to settle for {$1500.00} for the mix up. They didnt give me enough time to pay the debt. I noticed it was sent to collections for {$5300.00}. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX attempting to collect a debt. I was contacted again by XXXX XXXX representatives in XXXX, XXXX, XXXX of XXXX attempting to collect a debt. I filed a dispute with the credit bureaus as well as the debtor that the balance {$5300.00} was incorrect. I provided emails between XXXX and myself with the amount of {$3400.00}. I tried to settle the debt but at the correct amount of {$3400.00} not {$5300.00}. My credit report was updated XX/XX/XXXX. This has caused XXXX XXXX and XXXX as Im unable to refinance my home and my autoloan was given at a higher interest rate due to this inaccuracy.
Product: Credit reporting or other personal consumer reports

Notice to opt Out Per XXXX XXXX XXXX Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per XXXX XXXX XXXX. 

This is effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under fake accounts which she is currently in jail for and facial years in jail for fraud I even have my police report I contacted all the debt collection to let them know that it wasnt me I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos on my account one of them is XXXX it shows that I had a XXXX account since XX/XX/2015 but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company XXXX/XXXX I have no idea who they are but they keep on reported me messing up my credit please help me get my identity back.
Product: Credit card or prepaid card

In XX/XX/XXXX I went to XXXX XXXX in XXXX Texas to purchase a pair of shoes. Upon paying at the cash register I was asked if I would like to apply for a XX/XX/XXXX credit card, I said they will not approve me. She insisted I try and so I did and it was approved for {$400.00} dollars. I thought I was getting a JC Penney credit card. Upon using the card to purchase a microwave and a mini refrigerator, I began to receive a bill for the purchased from Synchrony Bank Orlando Florida. Upon missing a payment they began sending text messages attempting to coerce me into giving them my account number and routing number. They would send a message stating " " make a payment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX XXXX XXXX I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both XXXX XXXX Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of XXXX as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of XXXX 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 in XX/XX/year> 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 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: Debt collection

I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. 
if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.
Product: Credit reporting or other personal consumer reports

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 I submitted a complaint to Experian and its been longer than 45 days according to FCRA it requires investigation to be finished within 45 days or its required to be deleted
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for an auto loan from XXXX to purchase a XXXX vehicle. The credit was denied due to a credit freeze on my Experian Credit Account. I had placed the freeze in XXXX after becoming a victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX I tried to remove the credit by both phone and online. I was instructed each time to write a letter to remove the freeze. I wrote the letter and received confirmation from Experian that the Credit Freeze was lifted on XX/XX/XXXX. I left my fraud alert in place on my Experian account. On XX/XX/XXXX I reapplied for my auto loan and again was denied credit due to a freeze on my Experian account. I contacted Experian and confirmed the credit freeze was removed. I then called XXXX and shared that the credit freeze was not in place that there is a fraud alert and they should receive a phone number to reach me for confirmation of the loan application. XXXX was not able to help. I contacted Experian again and they suggested that XXXX contact Experian and that I wait a few days and reapply. I reapplied on XX/XX/XXXX with the same results. I repeated this process again XX/XX/XXXX and was again denied credit due to a credit freeze on my Experian account. I escalated the issue to an executive account resolution officer ( XXXX ) at XXXX. XXXX called Experian and connected me on a conference call with the Experian representative ( XXXX  ). XXXX verified there is no credit freeze and could not explain why XXXX was not receiving a credit report with fraud alert procedures. XXXX recommended I remove the fraud alert so XXXX could obtain a credit report. This essentially leaves my credit unprotected unless I purchase a credit protection plan form the very company that is providing the information. I was denied the loan and am forced to finance through another bank that does not solely rely on Experian. I asked XXXX at Experian for a supervisor and she refused me stating they would provide the same information as she did.
Product: Debt collection

This debt is on my credit report and it does not belong to me.