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

I have an Auto Loan with XXXX XXXX, I have paid this charge each month diligently. 
My credit report shows that I am 30 days or more past due on my payments for XXXX XXXX XXXX XXXX and and XX/XX/XXXX. 
However I paid each of these months within 30 days of the due date. In XXXX my payment posted on XX/XX/XXXX. In XXXX on XX/XX/XXXX. In XXXX on XX/XX/XXXX. 

I have attempted to reach out to the company to find out why my payments are being reported as late, and the only advice I was provided was to file a dispute with the credit bureaus. I filed a dispute with all 3 bureaus and the dispute results came back that the information is upheld and no changes will be made, however the supporting documentation provided shows the same payment dates as I have provided above. 

These payments were not late and this information reported is false. I am requesting a further investigation into this matter, thank you.
Product: Student loan

My student loan account has been with the Ombudsman Group at the DoE for well over 400 days and today, I spoke with yet another collection agency ; Central Credit Services LLC. They had given me poor advice in XX/XX/XXXX that I should NOT file my taxes. The IRS told me this was terrible advice for anyone to give so I filed anyway. I received another letter from the collection agency and called them to please mark the account " in dispute '' and asked for some paperwork while the details are being investigated. I asked for the fine print and statutes set forth by congress regarding the Rehabilitation program. " XXXX '' told me they do not have those files. I asked again why she was denying this borrower 's rights to have all of the details in writing before a payment amount would be discussed and she responded by saying " we do n't have that ''. I reaffirmed my assertions that her agency was denying this borrower the right to fully understand this contract agreement and told her to " Have a nice afternoon '' and proceeded to end the call. I would appreciate if this topic could be examined more closely. It is frustrating to find out that I have an increasing balance when my rights are being trampled and no apparent course for restitution or correction. Please contact me if this office ( CFPB ) would like more information. I am currently compiling a file with the outrageous claims made against me since the account maliciously was sent into default by violating UDAP statutes in the XXXX XXXX offices.
Product: Debt collection

I was a XXXX  in XXXX XXXX. I was injured during football practice on XXXX XXXX County School District. I also had Florida XXXX ( XXXX XXXX ) and XXXX XXXX! My mother called the office of XXXX XXXX  informing them of this information. The biller at the office refused to listen or bill either of the insurance companies. Im not responsible by law for this bill. They need to bill XXXX XXXX, than bill XXXX and if a balance is left they are to bill the XXXX XXXX County School District.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of XXXX  XXXX and had to move but besides that I check all my credit reports Experian, XXXX, XXXX   and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
Product: Credit card

On XX/XX/XXXX, {$3800.00} in fraudulent purchases were charged to my Home Depot account # XXXX, without my knowledge. When I saw the fraudulent charges on my account, I immediately notified Home Depot. Home Depot initially agreed to remove the charges and gave me a new account number ending in XXXX, then, on XX/XX/XXXX, Home Depot sent me a letter stating that I did not sufficiently identify the fraudulent transactions. The letter said that Home Depot had conducted an investigation and that the information I provided was not sufficient to resolve the dispute. Home Depot did not explain what their investigation method was, or what they found in their investigation to support their claim that these charges were not fraudulent.

Home Depot has added the fraudulent charges back to my account. I have filed another identity theft report with identitytheft.gov. I am writing another letter to Home Depot. However, Home Depot insists that I must pay for the fraudulent charges that Home Depot added to my new account # XXXX, that were fraudulently charged against my # XXXX on XX/XX/XXXX. I believe that the fraudulent purchases were made by someone within the Home Depot organization, and that Home Depot has deliberately transferred these fraudulent charges repeatedly back to my account despite my repeated disputes of the fraudulent charges. I am sending another letter to Home Depot, and I have again disputed these charges. Home Depot refuses to remove the charges from my account. Home Depot is engaging in fraud and theft.
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. 

Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. 

Called today ( XX/XX/XXXX ) at approximately XXXX XXXX  and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. 

Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the attached documents since the beginning XXXX about XXXX on my report. XXXX was the ORIGINAL creditor, listed on page 19. 2 YEARS AFTER discharge, it appears they attempted to SELL THE DEBT to XXXX to try and collect on. THEY CAN NOT DO THIS! 

I HAVE NEVER heard from EQUIFAX and it is STILL listed as in " dispute ''! It will not allow me to resubmit a dispute with them. I've tried calling and get stuck in the press 1, press two loop that NEVER gets you to a HUMAN. 

XXXX needs to be removed IMMEDIATETLY!
Product: Student loan

I called Navient in early XXXX  to change payment plans and they stated that it would take some time to process the change in plans. They stated they were placing the loan in forbearance while the information was in process. I received no correspondence or notifications of late payments and considered that the information was processing and the loan was in forbearance as I had been told. I later realized that the loan was reported as late multiple times. I called and discussed this with Navient. You will see from the attached that they did an end of forbearance capitalization of interest in XXXX and XXXX yet continued to charge late fees and reported late payments to the credit bureaus. I would like this information removed from my credit reports as it is not correct. This account is closed and paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX. 
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known. 
upon the results will determine if i file civil suite against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called I C Systems thats reporting on behalf of XXXX XXXX XXXX XXXX XXXX for the year of XXXX and Ive disputed this date several times with CRA but they say it keeps coming back verified when i never had XXXX in XXXX at all, now i did have the service in XXXX but when I dispute the incorrect information with CRA they obviously fail to do the proper investigation and its not right.
Product: Credit reporting or other personal consumer reports

Discovered fraudulent student loan in my name on credit report. 

Account name XXXX/DEPT OF ED Account number XXXX .... 
Recent balance {$1800.00} as of XX/XX/year> Date openedXX/XX/XXXX Status Open/Never late. 
XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Address identification number XXXX Type Education Terms 120 Months Credit limit or original amount {$2000.00} High balance Not reported Monthly payment {$22.00} Recent payment amount {$32.00} as of XX/XX/year> Date of status XX/XX/year> Responsibility Individual
Product: Credit reporting or other personal consumer reports

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXXXXXX XXXX XXXXXXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX XXXX Bankruptcy plan the standing trustee files a Final Report and Account with the Bankruptcy Courthouse. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2022, my brother had provided me with his power of attorney as he was incarcerated, I used this letter and a letter form him that gave me permission to pick up his check from the XXXX XXXX XXXX, where I picked up his check, and gave it to his attorney to have him sign it. After he signed the check, and I was given it back. I went to deposit it into my account for him, XXXX had flagged it as fraud at first, I explained what was going on and they said they needed a letter from him and his attorney, which I then provided. They then needed an updated power of attorney. I have it to them. Now my brother is out and we had went to the bank to see about picking up his money, they bank said that they still had to verify who he was and it shouldnt take more then a week. A week goes by and we go I and they say the same thing, we have to contact fraud. We contact fraud and the manger tells me that since it wasnt fraud, she was allowing me to re open my bank account, and then she was putting into the notes that everything is verified and that my brothers check was to be deposited into my account. When I go into the branch, the bank XXXX tells me that this is all wrong, and none of that is true. But my brother is standing there with his ID and social security card to verify who he is and they will not give him his money. Hes provided everything short of a DNA sample to these people and they keep holding his money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent. Please delete them XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
GM FINANCIAL XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX  Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Product: Checking or savings account

I noticed on XX/XX/2020, Chase Bank restricted online access to my account. The message says " We locked your account to protect it from suspicious activity. '' The message offers a telephone number to call, which is XXXX.After authenticating my identity twice with Chase Bank over the phone, Chase Bank refused to unlock online access to my account. I am unable to reset my password online ; attempting to do so results in the same message. 

Phone access through Chase Bank 's main menu ( XXXX ) was unaffected. I checked my balance and recent transactions using their automated system and did not discover any unauthorized transactions. 

On XX/XX/2020, at XXXX. CST, my first phone call with Chase customer service representative was unproductive. After verifying my identity and sending a one-time passcode which I verified with the customer service representative, she told me she would transfer me to the " internal department '', though upon doing so I only received the main menu of Chase 's telephone system. The phone call lasted nine minutes. 

On XX/XX/2020, at XXXX. CST, my second phone call with Chase customer service representative was also unproductive. The customer representative transferred me to the Chase " Protection Group '', with the direct phone line number mentioned by the customer service representative mentioned as being XXXX. This second phone call lasted 50 minutes and included several holds. 

The line quality of the Chase Protection Group customer service representative was noticeably worse, with several words being inaudible. The customer service representative prompted me to provide my phone number again, which I did so but the poor line quality resulted in her inputting a different phone number. Instead she asked me to answer two identify verification questions, which I passed. She then asked me to run an antivirus scan, which I did. She then also requested that I change my personal e-mail password as well, but I declined to do this. The customer service representative told me she could not assist me further and to call back when I reset my email password. As such I informed her that I would be ending the call. 

I am dissatisfied with the way Chase handled the situation. I appreciate the bank taking customer security very seriously - especially during COVID-19. However, with many of its branches closed, where I could probably unlock my account in person, they should take care to assure that they are not locking their own customers out of their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is a US Bankruptcy Court XXXX XXXX on my credit file. In XXXX of XXXX, I asked XXXX to do a reasonable investigation. XXXX did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked XXXX to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. XXXX receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. XXXX verifies its information with LexisNexis. Both, XXXX and LexisNexis admit to working in conjunction with each other. This why XXXX didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( US Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the US Bankruptcy Courts of XXXX proving XXXX has been violating my rights as a consumer. I have a letter from XXXX stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from XXXX not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from LexisNexis proving they provide XXXX with information as a third party vendor for bankruptcies. 

XXXX XXXX did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.
Product: Debt collection

They put two charges a derogatory marks on my credit that do not belong to me. They were in my ex wifes daughter name and not my child. XXXX took them off right away snd I submitted a dispute the min it showed up. I have XXXX XXXX   and am in good standing and even contacted them and they agreeded not mine. This debt comp preferred cms out 106 ) 5 then 107 two times on my credit snd they are 1000 % not mine. They called once a long time ago and a year later it shows up on mine. I haven't lived with my ex in 2 years. I request it be taken on and removed just as the other credit B did.https : /XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX XXXX must contact the reporting credit bureau for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, have taken actions to close my Discover Bank account from XX/XX/XXXX. A scammer/criminal gained unauthorized bank codes and identity verification codes and submitting a fraudulent cashier 's check into my mobile banking app on XX/XX/XXXX. From XX/XX/XXXX, XXXX XX/XX/XXXX, suspicious activity was present considering specific transactions such as unauthorized wire transfer and using the XXXX client under Discover Bank mobile app under two different alias. 

The sole intent was a scheme to defraud and mislead in order to cover up their true identity. Both of my accounts have been officially closed on XX/XX/XXXX.