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

Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : 1. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders may agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus.

6. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for XXXX years. If the loans are old, they will eventually fall off your report. 

XXXX. XXXXConsider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit. 

XXXX. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!
Product: Credit reporting or other personal consumer reports

Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 
Remove Employer- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As a consumer, I am demanding the deletion of the account below. I have not received a 1099c form for the following accounts that are reporting profit loss and charged off. I would like to see compensation as I have disputed this numerous times and my rights have been ignored. THIS IS FRAUD XXXX XXXX {$15000.00} reporting charge off XXXX days late profit and loss write off XXXX {$32000.00} inaccurate, reporting charge off XXXX days late paid profit and loss XXXX  Charge off profit loss 90 days late XXXX XXXX {$1000.00} XXXX XXXX late paid and closed XXXX  {$720.00} Current Paid and Closed XXXX reporting charge off XXXX days late, paid profit and loss XXXX {$500.00} reporting charge off 120 days late, paid profit and loss
Product: Bank account or service

Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a written statement detailing that the inquiry on my credit report be investigated as i have not financed or attempted to finance a loan with this company. Still remains on my credit report and XXXX  the credit reporting agency will not allow me to dispute the inquiry.
Product: Credit reporting

Equifax is reporting a public record on my credit file. I have disputed this item and they have verified the item. 

I request a detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation. 

If a detailed Method of verification can not be provided please delete this entry as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616. In addition these accounts are negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please correct this information and update my file immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB Representative, I am writing to file a formal complaint against USAA concerning their involvement in aggressive and harassing repossession practices conducted by a contracted company. The situation pertains to a loan associated with a vehicle that is currently involved in a bankruptcy proceeding, and a stay was granted on XX/XX/2024. 

Despite the legal proceedings and stay, USAA has engaged a repossession contractor who has resorted to aggressive and intimidating tactics against my family, constituting a clear violation of Georgia laws regarding disturbing the peace and harassment. 

The contractor, described as a XXXX  American male, has repeatedly visited my parents ' property in a manner that can only be described as confrontational and humiliating. The first occurrence took place on XX/XX/2024, at the alarming hour of XXXX XXXX. This aggressive visitation not only disturbed the peace but also caused significant distress to my XXXX grandmother, who was abruptly awakened and subjected to the distressing sight of an armed individual wielding a flashlight and peering into our home. Despite my grandmother 's understandable fear and discomfort, the individual persisted in his efforts until my parents were forced to intervene. 

Subsequently, on XX/XX/2024, at an equally inappropriate hour of XXXX XXXX, the same individual returned to our property. This time, he directed threats towards me through my father, alleging personal debts owed to him for his continued harassment of my family. These actions have not only caused fear and XXXX  within my family but also reflect a blatant disregard for the legal protections afforded to us under the bankruptcy stay. 

It is evident that USAA, by contracting and condoning the behavior of this repossession contractor, has failed in its duty to ensure that repossession efforts are conducted in a lawful and respectful manner. By sending an individual to our home outside of legal hours and permitting unlawful threats and harassment, USAA has effectively endorsed behavior reminiscent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, further exacerbating the trauma inflicted upon my family. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold USAA accountable for its complicity in these reprehensible actions. My family deserves to be treated with dignity and respect, and it is imperative that steps are taken to prevent further harm and ensure compliance with applicable laws and regulations. 

Thank you for your attention to this matter.
Product: Credit card

Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.
Product: Credit card or prepaid card

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity.

I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment reported on my Credit for the month of XX/XX/2021 my JPMorgan Chase Bank. 
I have always had an impeccable history of making payments on time. 
In this particular instance for my XXXX statement, I made the statement payment through my Savings account. I had been using this account to make my payments and in the previous month there were instances where the payment was taken out of this bank account without any problem. 
I only got notified from JPM Chase that the payment was unsuccessful.

Also as a back up, I had an monthly Auto Pay setup from a different bank account than the one above. JPM had been taking out this monthly auto pay in previous months but did not do in XXXX. 
If the above statement payment did not go through for some reason, the auto pay should have gone through. If prior month payment transactions and monthly auto pay went through without any problem, how could these transactions not be possible in XXXX. 
Even if the payment transaction from one bank account did not happen the other monthly auto pay should have kicked in.

This has adversely dropped my Credit score and would want to get this fixed. I do not believe it is my fault as I made the payment and also setup an monthly auto pay which had been working in the past months. I would like for JPM Chase bank to fix the reporting of the late payment on my credit.
Product: Credit card or prepaid card

I applied for multiple pre-approved credit card offers through Credit karma that were deceptive and misleading. The actions resulted in multiple denials for credit, which in turn caused my credit scores to drop and my credit rating to suffer. This in return made my search for a new vehicle a struggle and once approved for a 2013 vehicle the interest rates were significantly higher causing undue financial duress for years to come.
Product: Student loan

I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings.
Product: Mortgage

In late XX/XX/XXXX I got notices from the new servicer of my loan, Rushmore servicing, Dr. Cooper, stating that my insurance was for not enough, and they needed the full amount of my mortgage for my insurance. They had done this before and pulled that out during a dispute with them in XXXX. When I contacted them and said in XX/XX/XXXX, that They were doing this again to me and I had insurance and why do they want more insurance? It was insured for the full insurable value. I couldnt go any higher than that. They dont take into consideration the value of my real estate, the actual property. After I made that complaint, they did some research and in XXXX the insurance department told me they had backed all that force place insurance out, and my payments would not be affected. That is not true because they are still wanting me saying I owe them over {$3000.00} and my payments have gone up over {$600.00} a month. Im having to pay and high payment now to not be late. I can not get through to anyone on the phone when you go through their system. I have pressed every button trying to speak to someone. I have to go on and do contact us and send a message and then someone would call me. That happened one time that someone called me. Shes the one that ordered the new escrow analysis and said I could get that money back but to call back today to see if its been done I cant find out if its been done. There was one done right after I talked to her that does not satisfy me because it still shows a very high payment, and I needed explain to me. You can not speak to anybody with Rushmore servicing on their customer service number. I get thrown automatically into this automated Web system of press this or press that, and when I say speak to a representative, they say OK you need to speak to a representative, what is it about a payment or what so you press payment and it says heres how you do your payment. Then it says it can only do payment online and that I cant speak to a representative. XXXX is the only number you can get unless you live in Texas or New York and then you can get a live representative.
Product: Debt collection

On XX/XX/year> I learned that debt collection agency known as XXXX XXXX XXXX was calling 3rd parties and harassing family members when they had a direct line of communication with me the primary party. They were given a cease and desist in this matter and still engaged in harassing these separate parties. Furthermore, XXXX XXXX XXXX refused to mail out the documentation stating the debt I owed, when I requested this information the supervisor there stated that he would only send it via email even after I responded with the fact that I do not own software that can view the type of attachment 's linked to the email, he also stated he would not spend a dime sending out a certified letter to ensure i received this information. More alarming was that on XX/XX/year> I entered into an agreement with them to pay certain amounts on certain dates beginning with the first payment that day in order to stop the abusive conduct from occuring regardless of wether i owed the debt. It came to my knowledge that the agency accessed my bank account and withdrew funds without my permission. This is a clear violation of the FDCPA Act. Included below is the ban transaction to which they illegally accessed.
Product: Credit reporting or other personal consumer reports

I have discovered an inquiry on my credit report, and I want to make it clear that I never gave my permission for this company to pull my credit. This inquiry is unauthorized and, as such, is fraudulent.
Product: Checking or savings account

On XXXX XXXX at XXXX I received an email from Chime saying Welcome to Chime and describing a new chime account. This was followed by a second email providing instructions on how to set up a direct deposit. I never opened an account with Chime, have never had an account with them, and called immediately to have it closed. They were unable to provide me with who opened the account and when the account was opened, despite my request for this information.
Product: Debt collection

My credit at the time this account is saying it was opened was no where near good enough to secure a card of this type! I absolutely have no recollection of this debt and never have had this card in my possession, let alone any bill to prove so! They are saying the entire limit was used at once and never once paid? This account is NOT MINE! Ive not been able to open up a credit card for many years! I would like to see all supporting documents they have to prove so!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. Equifax credit bureau received evidence showing a collection account reported on my profile was cancelled as a collection due to fraud. However, Equifax continues to give me misinformation. I was initially told the account XXXX will be removed no later than XX/XX/XXXX. As of the date of this complaint, the supervisor told me the time frame is 30 days. XXXX, and XXXX   removed the account as fraudulent. For some unknown reason Equifax continues to allow that report to remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the complaint letter to the Credit card Company.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA  XXXX  Cct:XXXX XXXX XXXX XXXX   CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Tel : XXXX Department : Credit reporting Dear Credit reporting representative of Citi Cards , My wife opened this account and I was an added card member. Someone in your department has reported to the credit Bureau such as XXXX a derogatory mark with no information. It shows pays as agreed. This card was closed because I opened another Gold account.

I would like to have an answer to this question of why it was reported to the credit bureau and not give a reason. All bills were settled in a timely manner. Reporting to the credit card bureau as derogatory for opening and closing an account is not acceptable. Please do the needful to remove this from my credit report.

If you need further information, please feel free to contact me.

Thank you.

Sincerely, XXXX XXXX
Product: Debt collection

I have carefully reviewed my current credit report and noticed several fraudulent accounts that were added without my awareness.
Product: Credit reporting

I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX  XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple hard inquiries on my credit report, one from XXXX XXXX XXXX, where I confirmed that a loan was taken out under my name ( I have never once transacted with or been inside of a XXXX ), and this was through my XXXX credit report. Through Equifax, there was another hard inquiry through XXXX XXXX but upon follow up with XXXX, there was no accounts or loans taken under my name. There was also phone numbers on my credit report that didn't belong to me. My actual phone number is XXXX, so any other numbers are fraudulent. The address given on one of the attached documents contains an address in XXXX XXXX, on XXXX XXXX XXXX, which also does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX have called XXXX, transunion, and also XXXX numerous of times and also sent certified mails without any solution being solved. Today XX/XX/2023 still have yet to have 19 total inquiries on my credit that is still listed. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. is still reporting as late on my credit report without my consent, no wet signature was given for a consent to XXXX to report to my credit report. These inquiries and all late payments shall be removed with my demand. My credit score has dropped tremendously, hurting me and my family from a buying a house, a car for my supported needs. This is against my rights as a consumer. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.