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

In XXXX of 2020, I received an alert that I had a new hard inquiry on my Equifax credit report. I contacted Equifax to dispute this fact and then contacted XXXX XXXX XXXX, the company that had requested the hard inquiry, to see if any account had been opened using my information. I did not authorize any credit check for an account with XXXX XXXX XXXX in XXXX of 2020. I have no business with XXXX XXXX XXXX. I was able to find out that someone had used my information to try and open an account in XXXX XXXX, New Jersey. I requested that XXXX XXXX XXXX inform Equifax about this error so that it could be resolved as soon as possible. Today is XX/XX/2020 and the error still shows up on my credit report.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX 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

on XXXX i sent this collection agency a certified mail concerning the validity of this account. They have failed to validate this alleged debt and i contacted the original creditor they cant verify this debt. Partner XXXX is in violation under 15 USC 1692g and i am requesting the removal of this account.
Product: Student loan

My Direct Federal Student loans were transferred to Navient a few years ago which also services old XXXX XXXX ( XXXX XXXX ) through XXXX XXXX. Navient has lumped ALL my Federal and Private loans together and I can not distinguish what I owe/my payments are for my Federal Loans only. I am unable to file for a forebearance or income based payment plan from their website as it only states that I am past due and can not apply for income based repayment plan or lower my payments ( I am past due on my Private Loans which is preventing me from handling my Federal Loans ). Their website first displays any outstanding private loans first and makes it inaccessible to access my Federal Loans until I deal with my private loans first ( which I have disputed amounts with XXXX XXXX XXXX. 

I have requested through the Dept of Education about getting my Federal Loans transferred to another servicer because it is apparent that Navient only wants to collect on the XXXX XXXX loans and is basically trying to make me default on my Federal Loans by not allowing me to change my payment plan or defer my loans. It would seem that Navient has a huge conflict of interest when people hold private loans through XXXX XXXX as well as Federal Direct Loans that were transferred to them since their first priority is to XXXX XXXX and not to the Federal Gov. It would not surprise me if Navient receives some sort of kickback from the Federal Gov for getting people to default on their Federal Loans. All I want is for my Federal Loans to be transferred to a new servicer - once that does not have a conflict of interest with my private student loans.
Product: Vehicle loan or lease

Unilateral agreement of credit extended by me to dealership was misused by dealership. They did not adhere to usc codes governing fiduciary duties. Ally is now a holder of lien of title and has not and can not be the possessor of my property! Futhermore my extension of credit to the dealership was not offset and i was not forwarded any information or instruction on how to offset any amount full or partial at the purchase of the automobile. The third party must prove that they are the registered owner of my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Santandar Bank that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program.
Product: Debt collection

A number I didnt recognize sent me the following text message : This is Accounts Interchange Group XXXX LLC. XXXX a professional debt collector. You owe {$1500.00} regarding XXXX XXXX XXXX, ref # XXXX. Settlement offer {$780.00} due by XX/XX/2025. Call us at XXXX or to access your account information or make payment ( s ) on-line visit https : //portal.accountsinterchange.com Reply " STOP '' to stop receiving text messages. 


I dont know anything about any such debt. When I tried to call the number, they would put me straight to hold and then hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate Bankruptcy on my credit report with court was told they don't report to the credit nor do they verify any information with the credit bureaus. But the credit Bureau keeps reporting this as accurate. I have also received a email from the bankruptcy court & XXXX XXXX saying they don't report to the credit .The credit bureaus are violating the fcra also the fdcpa by reporting inaccurate information and can't provide valid information
Product: Credit reporting or other personal consumer reports

Equifax has my name as XXXX XXXX XXXX XXXX That is not my name. I submitted my Drivers License and Passport and they still wont change my name. My name has and always will be XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an active responsible member of XXXX XXXX since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.

S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

CITI thankyou Preferred offered a free upgrade to CITI thankyou Premiere card which had additional features. They offered a timeline to be able to convert back if your not happy so I converted. After receiving the card and the documentation and reviewing it I realized the card was not beneficial to me, so I canceled the card before use on XXXX XXXX, 2017. I found my CITI thankyou Preferred card not working in late XXXX and notified CITI Bank cards that my card was not working and they indicated to me that the card was cancelled since it was converted over to CITI thankyou Premiere. I notified them and after some time they told me the card could n't be converted back. I told them it was n't my fault and I was following the guidelines put forth by CITI Bank and they just said there was nothing they could do. They forced me over to CITI Premiere since it has a annual fee of close to {$100.00} for just an additional point on the same purchases you can gain on CITI Thankyou Preferred. I feel that CITI Bank used deceptive practices to remove people from CITI thankyou Preferred card. Now I have to pay off this credit card by the first annual payment day and cancel the card, as I will do.
Product: Credit card or prepaid card

CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inquiry took place on XX/XX/2021. I have no knowledge of this transaction taking place.
Product: Debt collection

Midland credit management {$1500.00} XXXX XXXX XXXX Account # XXXX This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 

I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed they either pay me or delete these account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car, XXXX XXXX XXXX is financed through Toyota Financial Services. My car was involved in an accident and was totaled. As a result my insurance paid its part and my gap coverage paid theirs. There was still a remaining balance due which was sent to me to be paid off. First I received a bill for {$670.00} then another bill came a day later with an updated balance of {$590.00}. I paid the the bill with the balance due of {$590.00} and sent in my check with the bill attached following the instruction on the bill. Now after looking at my credit report, Toyota Financial Services has made a derogatory mark on my credit report saying I still owe {$80.00} and the the amount has been charged off. 

When I contacted Toyota Financial Services they're telling me they can't find my check or the bill they sent me of {$590.00}. They wanted me to send them a copy of the bill and canceled check. I told them I don't have a copy anymore because the instructions on the bill says to send it in with my check and that is what I did. I have not gotten a chance to send my cancel check because they did not instruct me on how to send it. I have talked to Toyota Financial 3 times. The first two times they said they were going to escalate and get to the bottom of it, but they never did. The last time I called, I asked to speak to a manager and they put me on hold forever that I had to hang up.
Product: Checking or savings account

I am filing a complaint against Capital One for failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act. This raises concerns regarding consumer protection laws, in which I am requesting your help to investigate this matter, insuring my rights are upheld. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I initially called my local location in XXXX, TX to confirm my payments as this new loan was taken out to repay a loan. 

Unfortunately, the debt owed as of XX/XX/year>, should be considered paid in full due to the creditors breach of agreement and unauthorized actions. The original agreement was to pay {$200.00}, but the creditor attempted to withdraw {$300.00} without consent, exploiting account access. Upon discovery, I immediately alerted my bank to the unauthorized transaction. If this account has since been referred to collections, the creditors fraudulent actions void the debt entirely, as their conduct violated the terms and undermined the agreements integrity.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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: Mortgage

Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.
Product: Debt collection

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to JJ Marshall & Associates, JJ Marshall & Associates may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer ( SEE ATTACHMENT ).
Product: Mortgage

I was scheduled to close on my mortgage refinance on XX/XX/XXXX. I was informed via phone call and email from Fidelity National Title Company of Oregon that my transaction had closed and was recorded in the early afternoon of XXXX. 

However, I received a subsequent call and email in an attempt to reach me in the late afternoon. When I finally was able to return the call from the title company, I was told that they had made an error in the calculations of the settlement statement and that there was a shortage of funds that would need to be covered by me. When I attempted to resolve the issue with the title company, they refused to take any financial responsibility for their error. Their refusal to accept responsibility also included any additional interest that would accrue until a wire could be sent the upcoming week as it was late Friday afternoon and past outgoing wire cutoff times. They offered to hold back my funds from my property tax escrow to cover the difference, which I declined verbally ( and again later that day via email ). At this impasse I was told by the title company that I would have to contact the lender, XXXXXXXX XXXX, to discuss further. 

When I reached out to the lender that same late afternoon on XXXX, they assured me that the refinance was closed, and that my obligations on the prior loan were fulfilled, and that I could ignore any further requests from the title company for the shortage. 

Representatives from Fidelity National Title Company of Oregon continued to contact me over the next two weeks in an attempt to recover funds from the earlier shortage. I informed them that XXXX had released me of any additional obligations with regard to the shortage. It was at that time that XXXX informed me that they had already paid the shortage to XXXX XXXX and that I was now required to reimburse them. I neither authorized XXXX to do so, nor was I informed when this was done at the time. I let them know that I had been released of any remaining obligation to the lender and that I would not reimburse their funds. 

In a letter dated XX/XX/XXXX, Fidelity National Title Company of Oregon threatened legal action if I did not reimburse what they paid for the shortage of {$2100.00}. I also discovered that they were still holding my property tax holdback of {$10000.00} from my mortgage servicer as leverage in an attempt to force my compliance with their request. I responded to the letter via email on XX/XX/XXXX in which I declined to reimburse their payment and demanded immediate release of my escrow funds.
Product: Debt collection

My Identity was stolen by a family member who was not a US citizen and is no longer in the US. He used my information during his visit and had my mail forward to another address. It lasted for 2 years ; I did not notice until my licenses never showed in the mail. 

I was never proactive when it came to my credit. I wasn't aware of how to monitor my credit like I am now.
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, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : US SM BUS ADMIN ODA Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have had a Kohl 's account for over 23 years without missing a payment. On XX/XX/year> I received an email offer from Kohl 's to go paperless, which I accepted since I have many other account that are paperless and have had no problems with them. Shortly after that I made a {$15.00} purchase at Kohl 's expecting to get an email notice of my balance due like every other company does. But I never received any notices from them about any balance due, due dates or overdue balance. I leaned of this when I got a call from their rep asked why I hadn't paid the {$15.00} in XXXX months. Since this was the first I've heard that I had a balance, I worked with Kohl 's to pay the amount and they waived the late fees. I thought it was done, but I discovered that may decades old XXXX credit score had been ruined by Kolh 's reporting the late payment, even though it was caused by their negligence. I had to call several reps at their customer service line to finally get someone who said they could do an investigation. I later received a letter that they had investigated ( without contacting me for my side of the story ) and couldn't remove the late payments. Why should I be punished with a lower credit score for something that was not my fault? Since it was Kohl 's fault for not sending me a notice that I had a balance due I shouldn't be penalized for the short comings in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROSPER REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO XXXX AND TRANS UNION DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I recently discovered on my credit report that I believe requires correction. Upon reviewing my report, I noticed that an account is showing XXXX late payments that I believe were reported in error. 

Maintaining a strong and accurate credit history is extremely important to me, as I understand the significant role it plays in financial health and future opportunities. I take great care to ensure that all my financial obligations are met on time, and I was quite surprised to see these late payments reflected on my account. 

I have attached a copy of my report highlighting the specific entries in question, with the dates of the alleged late payments noted ( XX/XX/year> payment XXXX XXXX ; XX/XX/year> payment {$68.00} ). I would like to respectfully request that you investigate this matter further. Based on my records, these payments were made on time, and I kindly ask that you update my account to reflect this. 

I sincerely appreciate your understanding and the prompt action I trust you will take to correct this issue. It is my hope that this matter can be resolved swiftly, ensuring that my credit report accurately reflects my financial responsibility. 

Thank you very much for your attention to this important matter. Please feel free to reach out if any additional information is required to facilitate the investigation.