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

On XX/XX/XXXX I received a notification through Experian that I had been reported XXXX XXXX past due by my Servicer XXXX. I was extremely caught off guard as my account was in a current status and I had automated payments setup in XX/XX/XXXX. When I started to investigate I found that I could not login to the website and my last email from XXXX was XX/XX/XXXX ( evidence attached to my complaint ). I found an email from the US Dept of Education on XX/XX/XXXX ( evidence attached to my complaint ), which is what prompted me to setup payments to avoid any problems however no email or mail was sent to indicate this. I called XXXX today XX/XX/XXXX, to which they confirmed they changed my email address in XX/XX/XXXX as a result of the US Dept of Education notifying them my email bounced back and gave an updated address ( requested this evidence and XXXX would not provide ). This evidence was requested on the call and the manager would not provide it. I requested evidence of notification of my personal information being changed via mail, the manager at XXXX advised they did not send me anything alerting me my personal information was changed by them as a result of the US Dept of Education. I kindly requested XXXX to remove the XXXX mark as I was never given notice of possible adverse action or that my loan was even delinquent. They advised I would have to dispute it with the US Dept of Education. I logged onto the studentaid.gov website to find my email address was still listed correctly and had never been removed like XXXX claimed ( evidence attached in my complaint ). 

I submitted my complaint with the US Dept of Education as well notifying them my personal information was updated inappropriately as it never changed ( email address and mailing address was still the same ) and they failed to notify me of them changing it inappropriately causing me to lose any ability to address my account status prior to the negative reporting. 

Ive never had a delinquent mark on my credit for my student loans ( attached evidence to my complaint ) and my score has dropped XXXX points for no reason. I have immediately paid what was said to be past due ( evidence attached to my complaint ) and again attempted to setup automatic payments with XXXX ( evidence attached to my complaint ). This US Department of Education falsely notified my Servicer of incorrect information that I never provided, and never notified me of such changes via mail to allow me the opportunity to correct it until well after the damage was done. 

This is damaging, deceitful, and harmful to consumers.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Experian, and XXXX. They have not been investigated. I have even attached a XXXX bureau credit report showing the errors. They do not send results to my house. They have not fied the errors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This refers to complaint no. XXXX. 

Equifax supplied a phone number to resolve this complaint. It was answered by a foreigner. This is exactly what my complaint was about in the first place, which is the use of foreigners to discuss my credit history. I will not talk to foreigners about my credit history. Equifax is exposing all Americans with credit history to fraud and identity theft. 

My address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a auto loan balance of {$10000.00} and showing it as active account. I filed bankruptcy and it was XXXX XX/XX/XXXX which charged off that balance. XXXX XXXX XXXX are reporting {$0.00} balance but not Experian. I made the 1st dispute XX/XX/XXXX and they took the balance to {$10000.00} but did not charge off the entire balance or do i think they even researched. The 2nd dispute was filed XX/XX/XXXX and they declined and reported a missed payment for XX/XX/XXXX and this dropped my credit score over 40 points. I don't have money for lawyers so I need help with solving this inaccurate report. This is affecting my life financially.
Product: Credit reporting

Transunion had a computer breach in their system that violated the rights of their consumers under section 611 5 ( b ) of the Fair Credit Reporting Act. I have been gravely affected and my report is suffering as a result. This computer glitch that caused all of the inquiries on my credit report to be deleted, and my credit score increased. The next week, all of the inquiries were reinserted without prior written notification in violation of Sec. 611 5 ( b ) of the FCRA. I have spoken with multiple reps of Transunion, who acknowledged the security breach occurred several times in XX/XX/2016, but refused to fix their errors on my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit report. I demand the following inquiries be removed immediately : XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, and XXXX XX/XX/2016
Product: Credit card or prepaid card

I made a payment on the due date, at around XXXX. They are charging me a late fee because it was after XXXX. I feel any back that charges a late fee in that manner is predatory.
Product: Money transfer, virtual currency, or money service

When I requested refunds of money there was no one to speak with.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX report XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A LOAN ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Product: Debt collection

Several people were called including myself we were threaten called names, harrassed repeatedly every day with calls from a private number indentfying there self as Diversified consultants they would call and threaten to take legal action and shared personal information concerning who they were calling about to the people who they placed a call to trying to contact a certain person in all they contacted about ( 4 ) different people daily we all were harrassed and threaten by diversified consultants daily we asked them to stop calling and they did not stop with the calling this issued bothered me so much becuase its one thing to harrass but to threaten me is crazy I would have been more cooperative had they would have not threaten me and my family
Product: Debt collection

The account reporting in my report is result of fraud and I'm just getting aware on how to clear my credit ... the knowledge was not there on my end ... now I'm asking for the company to show the burden of proof and prove that this is not fraud I have even wrote goodwill letters before I tried online with the main reporter 's of my credit which was not look at nor handled right
Product: Checking or savings account

2 weeks ago I got a email saying my account was restricted temporarily but 5 minutes later I got a email saying the account restriction was lifted then yesterday when my direct deposit from employer came into my account they restricted my account again this time telling me my account is pending closure they will not tell me why my account is restricted also wont tell me when they going to close my account I have money from my employer in my account and I have to pay bills and its holiday season I dont understand why they are keep doing this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : 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, U.S. Department of Education and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never late and was paid in full has of XX/XX/XXXX XXXX XXXX CRE Account Number XXXX Account Type loan Terms M XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$350.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address P O BOX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Account Original Creditor - Company Sold-to - Original Amount - Comments -
Product: Mortgage

I never received my escrow refund checks for loans : Mortgage Loan XXXX XXXX XXXX XXXX {$3600.00} Mortgage Loan XXXXXXXX XXXX XXXX XXXX XXXX {$4200.00} use edisbursement and deposit this money into my checking account.
Product: Mortgage

I received notice my loan was to be transferred to a new lender in XX/XX/XXXX. I then received notice that my escrow account was reassessed increasing my monthly payment almost {$900.00} a month. This adjust came one month after my account was adjusted {$1.00} per month. When I contacted the lender I advised them that the county tax bill for 2nd installment has not been issued yet, the rep said it had so I asked her to send me a copy. She put me on hold and then advised this was an estimate. I then explained that we received a disability exemption that was approved in XXXX for XXXX and XXXX taxes and we also won a tax appeal. She said they can send this info to their escrow department to review the escrow. The account was denied an adjustment and a letter was mailed to me. I received this letter on XX/XX/XXXX and immediately called the lender to get my options. I spoke with a Supervisor who said I would qualify for removal of my escrow and she would create a work order and send this to the escrow department with a rush. I was advised this would be completed by XX/XX/XXXX, but in the event this did not get completed there would be an order added to my file that would be sent to the new lender. Over the next 5 days I called every day to see if the order was completed. On the final day I learned that this was not completed but was again told this work order would be in the document file that is sent to the new lender. I contacted the new lender on XX/XX/XXXX and they advised my file would not be to them until XX/XX/XXXX, but they would put in the request to have the escrow removed. I called the new lender back on XX/XX/XXXX and they said they still did not have the file but once I could see the account on the app, they should have the file. On XX/XX/XXXX the account was active on my app so I called the lender, I was advised there was a letter mailed to me with instruction on how to remove the escrow account and I would need to pay a fee of {$330.00}. I was never advised there was a fee so I asked to speak to a manager. I received a call from customer advocacy and they reviewed my concerns and contacted their escrow department. On XX/XX/XXXX I received a call from the new lender and they advised that there was no documentation sent to them from my old lender about the escrow work order. They would be willing to look at the documentation by the original lender should have held back the loan to complete my request. I contacted the old lender and they advised me that they were never going to complete my request to remove my loan, nor would they have held back the loan. I explained I was advised by multiple supervisors and staff over the last few weeks that this would be a non-issue to get this done. I am asking for the old lender to make this right, pay for the fee that was put upon us due to their incompetence.
Product: Credit card or prepaid card

I have spoken with Best Buy Credit Card department several times regarding unauthorized charges on my account. I disputed it and send them back the sign documents and the charges have now been put back on the account with late fees and interest fees. Also the $ 800+ interest charge I was hit by because of this unauthorized has still not been removed. Best Buy is unlawfully charging me interest charge and fees as well for no reason.
Product: Checking or savings account

chime recently closed my account and had my ppp loan recently deposit there. they refuse to refund my money even though i sent all proof of documents to them when they asked. it's really frustrating because how am i going to pay a loan if i dont have the money. i kept emailing chime all week and they don't response, the last email i got from them stated they wont issue a refund.
Product: Debt collection

I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that they sent the statement to the wrong address, causing the late payments on my end. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These accounts are inaccurate on my credit report I would like them to be removed immediately if possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian Credit Report that there was an address that I have never lived in. This one address is XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in this address. I don't know this address. I don't know anybody who lives in this house. Please remove it from my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L
VNV FUNDING Account number XXXX Dear Sir/Madam, I am writing regarding my previous correspondence dated XXXX XXXX, in which I requested validation of the above-referenced debt. To date, I have not received sufficient information or documentation validating this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

As outlined in my original request, I am disputing this debt until you provide all of the following : Proof that I owe the amount claimed : A full accounting of how the amount has been calculated, including any interest, fees, or charges added to the principal balance.

Verification of the debt : Clear identification of the original creditor and proof that the debt belongs to me.

Copy of the original signed contract : A copy of any contract or agreement that demonstrates my obligation to repay the debt. 
Documentation of your authority to collect : Proof that your agency has legal authorization to collect on this debt. 
If you are unable to provide this information within 30 days, please cease all collection efforts, remove any negative credit reporting associated with this account, and notify all credit reporting agencies of your failure to validate the debt. 

Furthermore, please understand that this letter is not an acknowledgment of liability for this debt, nor should it be interpreted as a renewal of any applicable statute of limitations. 

Please direct all future communications regarding this matter in writing to my address listed above. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

There are several student loan accounts on my XXXX report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Product: Checking or savings account

My Chime checking account was deducted twice for the same purchase. It was an order placed through XXXX XXXX  on XX/XX/year>. A normal part of the process is that a " Pending '' charge will be placed on your account by XXXX until after delivery, at which point it will be finalized and the " Pending '' charge will be removed. This did not happen.

I have two charges on my Chime account, both from the same order for the same amount ( {$49.00} ) with one of the charges even mentioning the fact that it is a " Pending '' charge. I have disputed this through Chime twice and both times they declined to fix it. 

Normally " Pending '' charges will fade away in time but this one has become a permanent fixture in my checking account 's transaction history and can easily be shown as having charged me twice. Chime has had every chance to fix this and has blatantly refused to do so. 

I requested documentation as to explain their decision. The email they sent claimed to have documents used attached to it. Want to know how many documents were attached to the email? XXXX. Nothing. This makes me highly suspicious that no actual investigation took place whatsoever and instead they made the arbitrary decision to refused to refund my money to me. 

I will include an attachment of the email below, as well as screenshots of my transaction history as well as a few other pieces below. If you need anything else from me, feel free to ask. 

NOTE : There is an initial difference in the amount deducted, listed as {$51.00} rather than {$49.00}. This is due to a discount on the purchase that was not initially applied as it should be, but was later done so.
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted via email offering for me to refinance my auto loan with a lower interest or payment. I responded and provided all information. The process to pay off my previous lender was tedious and required multiple phone calls to Capital One. The payoff occurred later than agreed. 

I contacted Capital One Auto who informed me that the first payment on my new loan with Capital One would be due XX/XX/XXXX. XX/XX/XXXX I began getting notices that my payment was late and I would incur a late fee. Capital One called me on XX/XX/XXXX I spoke with XXXX at Capital One. The call was incoming to me from XXXX at Capital One. XXXX verified the payment was to be due on XX/XX/XXXX and was to update the account accordingly. The update never occurred. 

I emailed and called Capital One on Monday, XX/XX/XXXX. I spoke with an account representative in the executive resolution department who verified the account was to be due on XX/XX/XXXX and I was told that the update XXXX processed took 48 hours to reflect in the system. I was told not to worry and that Capital One didn't want to lose me as a customer. 

As of today I am again being charged a late fee and the update for when the first payment was to be due has not been reflected in the account. I paid my XX/XX/XXXX payment on time and as agreed. The first payment on the loan was to be due on XX/XX/XXXX. Capital One delayed paying my previous lender in a timely manner leading to this situation. I considered cancelling the refinance when the process was delayed and was assured my first payment would not be due until XX/XX/XXXX as the delay was not my fault.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 that reported 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. XXXX XXXX, XXXX XXXX  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