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

So I am seeing that XXXX, EQUIFAX, AND XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT. AS A CONSUMER I KNOW I HAVE NOT GIVEN THEM ANY PERMISSION TO REPORT THESE SUCH ALLEGED LATE PAYMENTS. I AM STRESSED THE HECK OUT BY ALL THIS NONSENSE AND THIS HAS CAUSED HARDSHIP TO ME AND MAY FAMILY BC OF ALL THIS ALLEGED LATE PAYMENTS ... STOP THIS AT ONCE AND THIS NEEDS TO STOP THEY ARE IN VIOLATION OF THE FEDERAL LAW. I HAVE WRIITEN THEM NUMBEROUS TIMES AND STILL THE LATE PAYMENTS ARE ON MY ACCOUNT. I AM DEMANDING ALL LATE PAYMENTS OFF MY REPORT IMMEDIATELY. ACCORDING TO 15 U.S.Code 1666 ( b ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. Also 15 U.S.Code 1681 Sectiom 604 ( A ) Section 2 states a consumer reporting agency can not furnish account without my instructions. 15 U.S.Code 1681 Section 602 states I HAVE THE RIGHT TO PRIVACY.. THESE CREDIT AGENCIES ARE IN VIOLTAION OF THE FEDERAL LAW. AS THE COSUMER I DEMAND ALL THE ALLEGED LATE PAYMENTS REMOVED IMMEDIATELY. ... THIS IS A FEDERAL VIOLATION ... REMOVE ALL THE LATE PAYMENTS ON ALL MY CREDIT REPORTS.ALSO DO NOT EVER REPORT ANY ALLEGED LATE PAYMENTS IN THE FUTURE ON ANY OF MY CREDIT REPORTS...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

The accoun manager at navient threaten to take away my car that is in my husbands name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to inform NexisLexis that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and XXXX  that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



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Product: Debt collection

Dear Sir/ Madam, Equifax has failed to correct account ( ID : XXXX ) with inaccurate information of not properly investigating the case via 15 USC 1681i ( 6 ) ( B ) 3, and also reinsertion account to my credit report without ap 15 USC 1681i ( a ) ( 5 ) B. 

I received a copy of payment history and documentation of E-sign consent from XXXX XXXX ( XXXX ). And their continuation to report to all XXXX national credit bureaus as dispute. 

payment history and documentation of E-sign consent does not prove validation to collection of debt, without debt validation with " wet ink Signature signed '' according to Fair Collection Practice Act ( 15 USC 1692 et seq ) and also not answering to insurance claim on account ( ID : XXXX ) by XXXX XXXX. 

Equifax is still reporting this account on my credit report without proper investigation of validating debt. 

Attach is my correspondence with XXXX XXXX with notice to cease/ desist and declaration that I sent.
Product: Credit reporting or other personal consumer reports

The XXXX finance account status was not corrected. A charge-off is an account written off because of a loss ( the original owner believe they will not be able to collect on the account. The XXXX finance account was settle on XXXX of 2020. Equifax is showing first delinquency in XXXX. Because of car accident total loss this account was settled XX/XX/year>. The FCRA state by law all information must report accurately with all three credit bureaus. Inaccurate reporting violation has been committed and was not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Equifax and if possible XXXX and XXXX Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to repeatedly give me problems with getting access to my credit. I have tried several times over the past year to deal with TransUnion to view my credit report for inaccuracies and I have never been able to review my report online.
Product: Debt collection

I got a loan through Prosper marketplace for {$19000.00} for debt consolidation and was making regular payments while I was working up until the pandemic hit where I was trying to negotiate with them to lower the payments because the payments were too high being {$650.00} and I was no longer working. I spoke to one of the reps and they said that they could not lower the payments but after the loan was past due I could take a settlement and get on a new payment plan where the payments would be lower but I paid the settlement and the total that was owed on the portal site did not go down for the {$12000.00} when I signed the settlement to pay half of that amount by making 3 payments one of which was {$5000.00} and {$680.00} and another payment of {$330.00} to pay what was in the settlement agreement. I looked on the site and my credit report and they are reporting that I owe the full {$19000.00} which tanked my credit XXXX points and I asked them to explain to me why if I made the payment on the settlement are you not changing the balance on the site from the {$12000.00} to reflect what has been paid. I get the runaround and nothing changes. 
I need to get this straight so that my credit is not ruined because they are reporting incorrect information to the credit bureaus. The interest as of now is still going up on the amount owed and I am being reported as delinquent. I called and spoke to several reps the managers the collections department and I am getting nowhere and I need the resolved ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Me and my wife opened a mortgage account together. XXXX the loan servicer was originally reporting the loan twice on my personal credit report with Equifax. As XXXX and as XXXX, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. XXXX should be reporting to my equifax credit report with the accurate loan information. Accurate information is now missing.
Product: Credit card or prepaid card

Today XX/XX/XXXX I called to make a payment on my chase credit card and was told my account was closed. Previously I paid {$1500.00} to bring by account current and when I tried to make another payment they tell me that my account has been closed and I still owe XXXX and I can not have my credit account reopened. They said they made a decision and I had this card for 20 years. I would like my account credit card reinstated with Chase Bank
Product: Credit card or prepaid card

When I use XXXX, Citizens Bank Credit Card treats the charge as a cash advance and charges me {$10.00} plus interest for each transaction. XXXX says it's Citizens fault and Citizens says it's XXXX. I get nowhere with either company.
Product: Debt collection

I cancelled my contract with XXXX XXXX and then the hurricane hit us and I was postponed mailing the equipment back. The equipment has since been returned and the balance is at XXXX. I paid my final bill with XXXX XXXX when I cancelled the account. I was never sent a bill from XXXX XXXX and only saw a collection account on my credit report for the debt. I was a loyal XXXX XXXX customer for years and now have a collection account from a company that has never contacted me, only negatively notated my credit report.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit card

TD bank made errors on my account within months of opening. Repeatedly asked for corrections to be made.The made adjustments after several months but still had it wrong. I had a set payment amount on each device I purchased from XXXX. There was no interest to be paid if that set amount was paid every month. In XX/XX/XXXX XXXX  added a device to my account that I didnt have. Several months passed before attempts were made to fix this and late fees started accumulating. TD  bank repeatedly claims they made the corrections to reflect on my account. They never could seem to get my account accurate and I refused to pay amounts on a device I didnt own. They removed XXXX late fee as said " a XXXX time courtesy removal '' They stated that any future late fees could not be removed. The late fees were the results of careless data entered into their system by their own employees. This went on for numerous months, then it happened again in XX/XX/XXXX. I got so tired of arguing and fighting to correct their own mistakes. I honestly believe that it was all being done purposely. They stared reporting to my credit to deliberately hurt my good credit. XXXX has refused to force TD  bank to make corrections and use a complete entry. I have repeatedly disputed the accuracy of the Account and requested that file be complete. So much information withheld by TD bank because it will show inaccurate information. I disputed the account completely in XX/XX/XXXX after years of trying to correct issues that should have never been made. TD bank has a very extensive history of this kind of conduct.
Product: Credit card or prepaid card

in XXXX a payment plan was set up with Citibank , N.A . and payments were made via automatic withdrawal. no payment was ever missed or late. 
XX/XX/XXXX I received a XXXX for the a discharge amount. 
I was never contacted about the payment plan or offered and alternative to the XXXX. 
Can the creditor automatically send a XXXX without approval of the borrower while an active and ongoing payment plan is in place?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a CHAPTERXXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.
Product: Money transfer, virtual currency, or money service

I attempted to establish a Binance.us account and provided a significant amount of personal information. The site indicated that there was a problem with address verification, which I attempted to correct a number of times ( I have lived at the same address for 10 years and submitted the exact documents they requested ). I sent numerous documents, emails and support tickets seeking assistance to fix the problem and never received a response. I then asked them to close, delete, or deactivate my account and received no response. I fear that this company is a fraud after months of attempting to make contact with no response. I provided personal information and now need verification that the information has been deleted or deactivated.
Product: Credit card

Subject : Complaint Regarding Unjust Closure of Credit Card Account by Chase Bank Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank regarding the unwarranted closure of my credit card account on XX/XX/XXXX under the pretext of " abuse. '' The account closure occurred shortly after I requested details and support related to a merchant dispute with XXXX XXXX XXXX. I have always maintained a pristine record with Chase Bank, never missing a payment or raising complaints about any other issue besides this particular merchant dispute. 

As a responsible consumer, I exercised my right to request information and documentation from the merchant to resolve the dispute in question. However, instead of cooperating and providing the necessary support, Chase Bank closed my credit card account, citing vague allegations of " abuse. '' I wish to emphasize that I have always conducted myself responsibly and respectfully in my dealings with Chase Bank and other businesses. The sudden closure of my credit card account has caused considerable hardship, as it hampers my ability to manage my financial affairs effectively. 

I am seeking your intervention to investigate this matter thoroughly and ensure that my rights as a consumer are upheld. I urge the Consumer Financial Protection Bureau to hold Chase Bank accountable for its actions and provide me with a detailed explanation for the closure of my credit card account. 

I appreciate your attention to this pressing issue and look forward to a swift resolution. 

Thank you for your assistance. 

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

This account isn't mine. Please remove it.
Product: Debt collection

I have repeatedly received calls from statewide tax recovery incorporated. XXXX. Address shows at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I received phone calls from them periodically. At XXXX time received a call at XXXX XXXX. on XX/XX/XXXX. 

XX/XX/XXXX, At XXXX received a call that lasted XXXX XXXX  and XXXX XXXX. Saying I owe this debt from XXXX  back. I kindly ask them to send me debt verification so I can Verify the debt as factual. 

I have yet to receive those documents. I received another phone call XXXX  which I did not answer. 

I gave them a chance to leave me alone or provide the debt verification and they have not done either. 

I also asked them to cease and desist on the phone unless they provide me with the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i Sent a VALIDATION of debt request to Frontline Asset Strategies. The company refuses to PROVE that i have a legal obligation to pay this debt, and refuses to sent the requested information. The company also failed to provide detailed steps used to ensure this was my debt. I have sent several letters to the company including a debt VALIDATION/ PROOF letter, and the requested documents were not sent. I dispute this debt. i am requesting an original contract with my signature showing that the debt is VALID and is my debt. If this can not be provided the debt must be removed from all 3 major CRA 's.
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. 
Account name : XXXX XXXX ACCT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.
Product: Payday loan, title loan, personal loan, or advance loan

We purchased an outdoor stove to heat our home utilizing financing from a home improvement lending company. The loan was an interest free loan term loan from XXXX  XXXX. Since the purchase, XXXX was purchased by Regions Bank. Our loan matured and interest was due on the loan. We've continued to make payments on the loan but we are only getting emailed statements. The statements DO NOT show interest to date, late fees assessed, principle balance due, etc. They only show that our account is over our {$15000.00} limit. None of the other required reporting information will be provided. I've asked for this information numerous times. The company refuses to provide it but still makes collection calls daily even though we're making our monthly payments. I feel as though this is illegal lending practices and they should be lawfully obligated to provide this information.