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

XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Product: Credit reporting or other personal consumer reports

XXXX informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( XXXX ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with XXXX the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my XXXX account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to Experian in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and mental wellbeing and is unacceptable from a company that is no longer allowed to service loans.
Product: Mortgage

Our home was destroyed by XXXX XXXX. We finally got policy limits from insurance, and the check was made payable to my wife and me and our mortgage company, PNC Bank. It was for {$110000.00} more than what we owed on the mortgage. PNC Bank has used the money to pay off the mortgage as we requested, However, they insist that their " policy '' is to take at least 20 days to send us the balance we are owed. So, they are profiting from our loss by getting interest on our money. Our home needs to be torn down, as it is dangerous. But, we need that money to tear it down and begin the rebuilding process. 

PNC Bank should issue our check immediately and pay us back interest on the money for the time they held it to comply with their own self serving " policy ''. 

How many other people do they take advantage of in this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

Experian stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) 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
Product: Money transfer, virtual currency, or money service

I am the secretary for the local Ohio chapter of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This can be verified on the website ( snippet is attached ). Someone impersonated the chapter chair XXXX XXXX who I personally know. I've attached the email correspondence. I was asked to handle an unsettled bill via XXXX and was told I would be reimbursed. I sent the real XXXX XXXX confirmation of the zelle where he immediately told me I was scammed. Additionally, this person contacted the treasurer with the same email attempting to scam. 

Page 1 and 2 = Email correspondence between scammer impersonating someone I know and myself.

Page 3 = Snippet of email from colleague who was contacted by scammer impersonating our local chapter chair.

Page 4 = Snippet of webpage where the scammer managed to get the information to impersonate someone I know and work with.
Product: Credit reporting

I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX XXXX XXXX XXXX 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: 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 under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt me # XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair 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 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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 1681 s-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 causes to believe that the information is inaccurate.
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof XXXX  the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Vehicle loan or lease

I have had an auto loan with BMW financial services for approximately 1.5 years. Recently I have tried to pay my car off by making large online payments. I tried to make a payment larger than {$7500.00} and their system prevents you from making payments in a one month period for more than {$7500.00}. Obviously this is a way for the company to delay you paying off your car, in order, to charge more interest.
I called a representative to discuss this and they said not even a supervisor can lift the {$7500.00} per month payment restriction. I have owned many cars and I have to say I have never heard of such a thing.
Recently to bypass the $ XXXX/month online payment restriction, I mailed in two checks. One for {$1000.00} and one for a much larger amount at the same time on the same day at the same post office. The smaller check for {$1000.00} they cashed. The larger check however they still havent cashed a week later. Again, to delay payoff of my vehicle so they can charge more interest.
Product: Debt collection

Company provided with a verbal do not call request as well as cease and desist via email. A representative confirmed receipt of emailed notice. Notice given on XX/XX/XXXX demanding company to cease all verbal communication and communicate only via writing. Since that time I have received no further written communication. However, there have been several phone calls made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX.
Product: Checking or savings account

Received a large deposit into my checking account at Chase from Massachusetts PUA unemployment of {$18000.00} on XX/XX/XXXX. I paid some bills and withdrew {$7000.00} in cash inside a chase bank. On XX/XX/XXXX about XXXX XXXX EST, I received a text message on my cell phone that my phone number had been removed from the chase mobile app and to call to get reset to be able to get into my account. I called and found out about 20 minutes into the conversation that in a review of my account/ that chase had made a decision to closed my account within 10 days and would send any remaining funds in my account to me/ no reason was given as to why my account was being closed. 
I called on Monday, XX/XX/XXXX and was told a different story by a fraud department representative that my account was being closed due to chase had been informed that all persons/ who had an account with chase and received a large deposit from any state unemployed/ their accounts were to be restricted/due to states unemployment had been hacked and the unemployment offices was not sure who was to receive unemployment and they was waiting on Massachusetts to let them know if I was entitled to the benefits. Told me to keep checking back. On the XXXX, I was told by representative my account was closed and I was asked if I wanted my funds mailed to address on file or if I had a different address/ I stated that could mail my funds of {$8300.00} to the following address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, because I would be there for the next few months to care for my sick mother. On the XXXX, I called and spoke with another representative who said that chase could not release my funds to me/ provided no explanation and I asked if I could go to a branch to get my funds released and was told no. I asked would funds be sent back to Massachusetts PUA unemployment and was told no to that as well. My account is closed and that ended my relationship with Chase and there is no reason chase is still holding my funds.
Product: Debt collection

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

THEY DONT GIVE THE FULL INTEREST REFUND AFTER PAYOFF LOAN EARLY
Product: Student loan

I received a notification from MOHELA on XX/XX/XXXX that my student loans were going into forbearance. Since that time I have received letters informing me of my payment amount and the installments. I will list them in the following order : Letter # XXXX sent XX/XX/XXXX Number of Payments : XXXX ; Payment Amount : {$4800.00} ; Start Date : XX/XX/XXXX Letter # XXXX sent XX/XX/XXXX : Number of Payments : XXXX ; Payment Amount {$200.00} ; Payment Start Date : XX/XX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX : Number of Payments : XXXX ; Payment Amount : XXXX ; Payment Start Date : XX/XX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX : Number of Payments : XXXX ; Payment Amount : XXXX ; Payment Start Date : XX/XX/XXXX AND Number of Payments : XXXX ; Payment Amount : XXXX ; Payment Start Date : XX/XX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX with XXXX different repayment schedules : Number of Payments : XXXX, XXXX; Payment Amount : XXXX ; XXXX, XXXX ; Payment Start Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX with XXXX different repayment schedules : Number of Payments : XXXX, XXXX ; Payment Amount : XXXX, XXXX ; Payment Start Dates : XX/XX/XXXX, XX/XX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX : Number of Payments : XXXX ; Payment Amount : XXXX ; Payment Start Date : XX/XX/XXXX Letter # XXXX Repayment Schedule Change sent XX/XX/XXXX with XXXX different repayment schedules : Number of Payments : XXXX, XXXX, XXXX ; Payment Amounts : XXXX, XXXX, XXXX ; Payment Start dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I just need to know why all the amounts keep changing. I've called MOHELA and they can not give me a straight answer. They can not figure out why those amounts and repayment schedule has generated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have 2 credit cards with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  I have all paid these cards for months, I use them and pay, however, in XXXX I downloaded my credit report because XXXX XXXX  did not report my payments to the credit bureau, I called the bank and they told me that they were changing the system and that I had to errors and they would fix it soon, then they updated the information. Today, XX/XX/XXXX, I receive an experian alert where I lower my credit for not paying the XXXX  and XXXX  card. and always paid them up to date. review and they do not report since XXXX and XXXX respectively. It is as if I did not pay up to date and my credit goes down instead of going up. Please can you help me.
Product: Credit reporting

Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.
Product: Mortgage

I requested a modification on my mortgage in XX/XX/2022 when I came out of the Cares act forebearance. The mortgage company approved me for a modification both in XXXX again a second time in XXXX and another time in XXXX. Yet the company never sent me the papers to sign and return.Even after repeated calls to them to send. Finally in XXXX they sent me the modification papers.However because of there failure to process my case on the earlier attempts my modification payment went up by XXXX dollars and my interest rate by 1 and 3 quarters per cent.If they check there notes on my account they will see this is all true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and saw numerous of inaccuracies on my report. Omni financial are reporting several inaccuracies to begin with monthly payment {$170.00} with XXXX and $ 0 monthly payment with XXXX and XXXX. How is it I have a balance due when I had monthly payments of {$0.00}. Also, the balance and past due amount for XXXX is significantly different from the other two credit bureaus. Date of last active for XXXX is significantly different from the two, reporting XX/XX/XXXX whereas the the other two are reporting XX/XX/XXXX! That is totally false being nearly a year apart! Not only that the date of last payment has inconsistencies showing XXXX XX/XX/XXXX while the other two XX/XX/XXXX. To conclude my review if a company does a charge off they are to send a XXXX which the company failed to do so. 

I would like this account removed from my credit for violating my rights and publishing false information on my credit report.
Product: Debt collection

On XX/XX/2023 I wrote letters to multiply debt collectors XXXX XXXX XXXX, Portfolio Recovery Services, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2