23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I advised my servicer, LoanCare that they were not timely processing my payments, were improperly assessing late fees, and taking my additional payments and applying them to the improper late fees instead of towards the principle. I requested an account audit, that the improper late fees be removed, that the additional payments be applied to the principle, and that the interest be adjusted. After several months, the servicer finally began addressing this issue in late XXXX XXXX. As a result of their account correction, the servicer removed 6 months worth of payments and sent me a notice of intent to foreclose on my property on XX/XX/XXXX and advised that those same 6 mths payments were passed due, that I was in default on my mortgage, and had to issue a forthwith payment of {$5000.00}. I thereafter had to obtain a certified statement from my bank along with the cancelled checks issued directly from my bank to confirm that the payments were received by LoanCare, that I was not in default, and had no late fees. I filed a Complaint with this agency and did not receive a satisfactory resolution.

While LoanCare was making account adjustments they issued a 1098 statement for XXXX that did not represent the 12 months of mortgage and interest payments I made. I filed a written request with LoanCare on XX/XX/XXXX, have called and spoken with various company representative on at least 10 occasions with the last being on XX/XX/XXXX and to date they refuse to provide a corrected 1098 statement that represents the full 12 months of payments they received in XXXX. Additionally, they have begun improperly assessing late fees to my account again. I have advised LoanCare of this extraordinary burden, that i have been assessed additional fees by my tax accountant as a result of these delays, and that I am not able to file my XXXX taxes due to these delays. I have exercised extreme patience, have had to explain to the representatives the errors on my account because they do not read the account notations and instead of also correcting the new issues with the additional improper late fees, was advised that I had to make a separate complaint about the matter. Lastly, LoanCare initiated and granted forbearance request for my account when I have never request one. When I told LoanCare to remove the forbearance, advised that I never made a request either in writing, by phone call or any other manner, they advised that they were not sure why someone initiated the request on my account as they did not have a record of me making the request. 

This servicer does not keep and maintain accurate business records, refuses to timely address or address at all the errors with their business records for the accounts they service, and places the consumers at an extreme unfair disadvantage due to their failing and negligent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all three, free annual credit reports. I was able to receive reports from XXXX  & XXXX. 

I was unable to get Experian report although I used the same exact information to get the other two reports. 

Every time I filled in the address information, I always got a message saying ; 'address is not the same as when I requested freeze on report '. 

I have freeze 's on all three reports but Experian was the only one that refused my request. 

On the free report form, they request 'my current address ' which is the same I gave XXXX   & XXXX . When I gave the same address to Experian, it always gave me the message above. 
Even when I inserted my previous address, I was still unable to get my report.
Product: Debt collection

I sent  JH Portfolio  several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $  1000/violation  plus damages. I have n't received any documents/statements or anything from  JH Portfolio.  When I sent certified letter I had correct address also when I called I updated my address.    JH Portfolio  is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  .   I spoke to  XXXX  from  JH Portfolio  and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which  XXXX   XXXX   said  they sold to  JH Portfolio (  see attached ).   I 'm going to sue JH Portfolio and  XXXX   XXXX  for violated the laws under FCRP/FDCPA!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX  Account # XXXX : Invalid Date of last activity Transunion shows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number Transunion is showing XXXX and XXXX is showing XXXX Also, the date last active is invalid. Transunion shows XX/XX/XXXX while XXXX shows XX/XX/XXXX. DELETE this account.
Product: Debt collection

Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.
Product: Money transfer, virtual currency, or money service

My paypal account was hacked and used for multiple charges for door dash orders across the US. I disputed this with paypal but they are continuing to report a balance that they want me to add to my account for the fraud transactions. They need to correct the account as i did not process the fraudelent orders.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the permanent deletion of a bankruptcy entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ). Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your XXXX  investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX XXXX XXXX
Product: Debt collection

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account.

Company Name : XXXX XXXX, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name : XXXX XXXX XXXX  ( original Creditor XXXXXXXX XXXX ), the account was last updated in the sum of {$540.00} on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

I made a payment towards my Peoples United Bank Card Services credit card balance a few days before due date on XXXX XXXX, 2015 at the local Peoples Bank office here in XXXX, CT. But when I checked my credit card balance a week ago, that payment had not been applied and my balance was now approaching my limit without said payment. 
I have been in regular touch with Peoples United Card Services for the past week. I have talked to multiple people, managers, over managers and nothing has been resolved to date. They have ALL the info they need i.e. faxed form from Peoples Branch in XXXX, CT showing that I made the payment, email from me showing the check I wrote and the money having left my checking account. They acknowlege that the payment was made but they have STILL NOT applied it to my credit card. They have charged me a late fee, they are charging me interest every day AND this is affecting my credit rating which was excellent. I need IMMEDIATE help with this. Peoples United Bank Card Services has demonstrated abysmal customer service to someone who has been a customer for almost 25 years. I have paid my bills on time and for many years in full and this is the way they treat their customers. I need your help to urgently resolve this matter. I will be taking my business elsewhere after this and will never use Peoples Bank, Peoples United Card Services again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 Ive had 3 different lender to run my credit report and was able to only get XXXX  and XXXX  report. All 3 lenders stated they cant get my Equifax report. Ive been contacting Equifax ever since XX/XX/2021 about the problem and still havent tried to fix the issue besides stating I dont have a freeze on my account. Currently Im going through a program called XXXX for a house and they ran my credit on XX/XX/2021 and they stated they didnt get my Equifax report back. I logged in on my Equifax to double check and make sure there was no freeze on my report. I didnt see anything so I contacted Equifax and told them the problem. They stated I might have a freeze or maybe we are entering the wrong information. Equifax keeps giving me the run around instead of trying to look into it. My goal is to get a house soon so I need my Equifax report in order to accomplish my goal. Thank you
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was charged off in XXXX XXXX XXXX. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX XXXX XXXX XXXX
Product: Debt collection

I asked company to stop contacting me as this is not the original company for debt. Continuous calling from debt collector.
Product: Checking or savings account

On Friday XX/XX/XXXX, I took my children to see XXXXXX/XX/XXXX at the XXXX XXXX XXXX. While there, my card slipped out of my pocket and someone must have picked it up. The following are the charges incurred and the dates as well : - XX/XX/XXXX - XXXX XXXXXXXX XXXX  : {$48.00} - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX : {$72.00} - XX/XX/XXXX - XXXX : {$11.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$91.00} - XX/XX/XXXX - XXXX XXXX : {$23.00} - XX/XX/XXXX - XXXX XXXX : {$250.00} TOTAL : XXXX I noticed the fraud when I checked my account on the evening of Saturday XX/XX/XXXX. I immediately cancelled my card and contacted the Bank 's Customer Support line ( Chime ). They informed me that since the charges were still pending that they could not process a dispute and that I would have to wait until the payments process, giving me no way to reach out to these vendors and/or their credit institutions. 
On Monday, XX/XX/XXXX, I was able to file XXXX disputes for the fraudulent charges ( you can only have XXXX charges total on one dispute ). Those claim numbers are XXXX and XXXX. Chime provided temporary credit for XXXX of those charges ( Food Lion for {$91.00}, XXXX XXXX XXXX for {$48.00} and XXXX XXXX for XXXX ) and claimed the rest would remain in limbo until they finalized their decision. 
On Thursday XXXX, I received notification that Chime states that no error occurred and that my claim would be closed. I rebutted, received a police case XXXX  with the XXXX XXXX, SC police department ( # XXXX ) and informed Chime of these actions. Less than XXXX hour later, they responded and said that my rebuttal was denied that they were officially closing my claims and I am out of the {$500.00} that was stolen from me. 
I am waiting for the case to be available for viewing from the police department ( the intake call representative told me that it could be a couple of days ). Once I receive it, I will send it over to Chime ; however I'm not anticipating any support from their end. 
Chime is repeatedly stating that this issue is XXXX of my own doing, when in fact, it was theft, fraud, etc. I need help recouping these funds. I am a single mother and this money was supposed to go towards our housing and utilities ( first of the month ) for XXXX. 
I only started having funds deposited to this account a little over a month ago when my husband and I separated. I wanted to have a safe space for my finances while we undergo a divorce and this was the quickest and easiest account to use at the time. I am highly disappointed in Chime & their customer service team
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've filed many complaints regarding Hyundai with contested end of lease charges, negative reporting on my credit report subsequently lowering my score. I saw the XX/XX/2022 CFPB order for Hyundai to pay for widespread credit reporting failures and I thank you so much for taking action. It is absolutely encouraging! My previous complaint numbers re : Hyundai : XXXX XXXX XXXX XXXX I was denied credit from XXXX XXXX XXXX XXXX making me ineligible for an auto loan {$2000.00} BELOW market rate. The Hyundai " charge off '' was one of the items checked as " collection action or judgement ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neches
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and there has been no resolution this company has been reporting on my account as a charge off and per IRS definition of charge off is income and because this company filed this account as a charge off a 1099c was suppose to be sent out to me and that is a violation of the FRCA .please remove this account from my report. During dispute this account is still reporting on my credit and FRCA states when a account is in dispute it must be removed.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

Despite XX/XX/XXXX Letter from XXXX that my {$100000.00} student loan has been paid in full Equifax has continued to inaccurately maintain false and inaccurate information that I owe {$100000.00} Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( Experian, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX  XXXX Rewards Card, they offer only to be rejected for the application due to XXXXXXXX XXXX XXXX corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXXXXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXXl after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXXXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.