23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX
Product: Debt collection

XXXX has a outstanding bill for a agreement no contract account I was given credits for mistakes Munipulated for account
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # 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 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 Dept of EdXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX These items are inaccurate or incomplete because the items are unknown to me. Also, the information you provided on these items is different from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information.
Product: Credit reporting

this is not mine # XXXX please remove from my report all XXXX
Product: Student loan

I spoke with a representative from a company called Student Loan Financial assistance. He went over payment plans with me and stated he consolidated four loans into two loans. He then told me that I will pay {$170.00} for the first three months and Then after that I will pay {$88.00} a month. He used my email as a FASFA username and gave me a temporary password. He told me to log in and that is where I had to submit my paystubs. He then sent me an email of a contract that I had to electronically sign. He took my bank account information and told me they will make automatic payments. My first payment of {$170.00} was withdrawn from my bank account on XX/XX/XXXX. I logged into my XXXX account ( My actual lender ) thinking they are the ones who are taking out the money and noticed no payment was made so I figured it was a glitch in the system. On XX/XX/XXXX, another payment of {$170.00} was withdrawn from my account and again I went on my XXXX account and again no money was withdrawn. The same day I called XXXX in the morning to find out if they have been receiving the money and they informed me that they havent and stated that Student Loan Financial assistance were not actually from XXXX and was taking money from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SSN : XXXX / DOB : XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Method of Verification FCRA Compliance Dear Experian, I recently disputed an account on my credit report, specifically the XXXX XXXX account ( partial account number : XXXX ). I received a response stating that the item remains on my report because the company verified that the information is accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting that Experian provide me with a detailed explanation of the method used to verify the accuracy of this account. Please provide the name, contact information, and any documentation you used to verify this accounts validity. 

If you are unable to provide this verification, I request that the account be immediately removed from my credit report, as required by law. Please send your response in writing to my address above within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This account has passed it's statue of limitations and should no longer be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to both Wells Fargo disputes and results for case- Wells Fargo case number : XXXX Consumer Financial Protection Bureau XXXX case number : XXXX, and- Wells Fargo case number : XXXX Consumer Financial Protection Bureau , case number : XXXX. 
The 2nd letter and apology for " misinformation '' does not simply remove the fact that my rights were violated, under FCRA law. It also does not remove the fact that this is still reported INACCURATELY. Also a violation of my rights, which is the purpose of the dispute in the first place. The first date of delinquency is changed, but I am uploading a photo of my paper copy of credit report dated XXXX XX/XX/XXXX XXXX, which clearly shows Wells Fargo reporting payments made for the month of XX/XX/XXXX, and XX/XX/XXXX, and not going 30 days late ( delinquent ) until XX/XX/XXXX. How is this possible when the statements from Wells Fargo clearly state that my account was past due/first date of delinquency for statement dates XX/XX/XXXX - XX/XX/XXXX? This is clearly a case of being more than " misinformed ''. It is inaccurate information reported to my consumer credit reports. Not only re-aged, to negatively effect me, which is illegal, but also INACCURATE. Under FCRA law. All information reported must be 100 % accurate, or not reported at all.
Product: Checking or savings account

On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXXXXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion 's Inquiry issue! I contacted their customer service department and they would not help take care of the negative inquiries reporting on my credit report. 
XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

On XX/XX/2024 i made 2 payments to XXXX from my credit karma account, XXXX canceled and refunded the payments. The payment amounts were XXXX and XXXX XXXX processed the refund XX/XX/2024 i have yet to receive the funds, when i contacted credit karma they said the funds never left my acct however my balance reflected differently i also have notification from credit karma that the funds were removed from my spending account and if the money was never taken from my acct then where is it cause that means i didnt spend the money
Product: Mortgage

i had trouble with nation star mortgage for over a whole year to resolve a simple issue to remove a litigation code from a file in their dept that was removed already and verified by another supervisor. they would n't give me any info on the file even though i did n't have any council assigned. now after a year i got to talk with them after the code was removed i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with niece. this doc was available in across. I downloaded the doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 weeks now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Capital One has not processed my direct deposit from my employer. I usually receive my paycheck early Thursday morning. Capital One said the issue should be resolved by Friday morning at the latest. It is now Friday afternoon and I still havent not received my paycheck.
Product: Debt collection

A newly opened veterinary hospitaXXXX XXXX my Emotional Support Animal ( ESA ) - an XXXX XXXX XXXX- through their incompetent medical care. To add insult to injury, the animal hospital, XXXX XXXX XXXX told me I owed them around {$1800.00}! Link below : XXXX XXXX XXXX  When I say " newly opened '', I'm referring to the recent acquisition of this animal hospital by a new national consolidator of animal healthcare, XXXX XXXX XXXX : Link below : XXXX XXXX XXXX When XXXX XXXX XXXX was acquired by XXXX XXXX XXXX, most of their excellent highly-skilled veterinarians and technicians left XXXX XXXX XXXX. What was left was an entirely new practice with new veterinarians who were XXXX XXXX XXXX employees. Their new " medical director '' needlessly XXXX  my Emotional Support Animal of over 11 years. Since I'm currently dealing with XXXX XXXX  and all that goes with treating my XXXX, I needed my ESA more than ever. I am XXXX  years of age. 

The new practice manager at XXXX XXXX XXXX, a XXXX XXXX XXXX employee, called me and told me I owed them {$1700.00}. I informed her that I would not pay them for XXXX my dog. She informed me she would escalate the matter to the appropriate management at XXXX XXXX XXXX. 

I heard nothing from XXXX XXXX XXXX or XXXX XXXX XXXX apart from the phone call referenced above in late XXXX of XXXX. I use a credit monitoring service, XXXX XXXX, that notifies me if any negative information shows up on my credit reports. 
On XX/XX/XXXX, I was notified by XXXX XXXX that the alleged debt in question was reported to the credit bureaus by a company called TEK-Collect, Link below : http : //www.tekcollect.com/Frontend/Content/Home The result of this reporting lowered my good credit score by around 70 points! Since battling XXXX is expensive, the last thing I need is for my credit to be damaged. In addition, the last thing I needed was some huge new corporate pet medical provider, XXXX XXXX XXXX to XXXX  my Emotional Support Animal through the incompetence of their new alleged medical providers. 

In summary : I do not believe this debt is fair in any way. Also, other than the phone call mentioned above I received in late XXXX of XXXX, I received no notice that the alleged debt would be turned over to TEK-Collect or any notice that the alleged debt would be reported to the credit bureaus. 

The resolution I seek. This is an invalid debt that was improperly reported to the credit bureaus. It should be expunged from my credit bureau records. I do not believe I should pay a new profit-over-pet vet care startup, XXXX XXXX  XXXX XXXX for killing my Emotional Support Animal when I need him the most while fighting XXXX. 

Thank you for considering this information. Please contact me if I may provide any additional information. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I located a company via the U.S. Department of education website. The company is called Premier Student Loan Center or another name of XXXX XXXX XXXX. They made statements that they would and have worked with XXXX XXXX to lower my payments and take care of all of my student loans. They stated that they would take care of everything. With the amount that I owed XXXX XXXX and the hope of trying to repair my credit, I began working with this company in XX/XX/2018. They obtained all of my personal information and student loan information. They stated that they would start with {$200.00} a month for 6 months and then all I would pay would be {$44.00} a month. In speaking with XXXX XXXX, the company made fraudulent statements to lower my payment. Was this for my benefit or theirs? So far they have taken {$590.00} out of my personal account and have paid nothing to XXXX XXXX. I have tried to contact PSLC or XXXX XXXX XXXX, via phone and email and have yet received a call back or email back. The service representative with XXXX XXXX said that this company has done nothing for me but add more and more interest to my loan by not paying, which is going to continue to grow and make it more and more difficult to pay off. Here I am trying to help my family and credit by getting this paid off and now its more money and they have my information too. I am looking to at least obtain my money back from this company and also the interest that was added to my XXXX XXXX account. The interest total, since XX/XX/XXXX, is {$1800.00}. Plus the additional interest that is going to add during the time to try and make resolve with XXXX XXXX while my loan is on forbearance for this incident. 
This company is not showing that they are helping people with student loans but stealing money for their own financial gain. Please help and advise.
Product: Vehicle loan or lease

*Total Sale Price* The total cost of your purchase on credit, including your down payment of {$1200.00} added to XXXX is XXXX my down payment was not deducted from my total amount my down payment was not a credit.
Product: Mortgage

Hello I paid my mortgage early and actually closed my mortgage loan on XX/XX/2018. I have been contacting Franklin Mortgage for repayment to me of my over payment. As of today, XX/XX/2018 I have not received any monies from them, and they keep saying I will get it, yet nothing is coming through. 

I feel like I am being conned and lied to by a financial instutition. I can't get through to them via the telephone to discuss with anyone. 

This is now 3 months nearly and I believe they should repay me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by JPMCB on my [ XXXX, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with JPMCB, specifically account number JPMCB - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, JPMCB has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that JPMCB update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against JPMCB. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ].

Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES 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 {$3300.00} XXXX XXXX XXXX XXXX XXXX. XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2 )  XXXX   3  )   XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   5 )    XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8  )  XXXX   9  )  XXXX   XXXX   XXXX
Product: Vehicle loan or lease

XXXX XXXX of Larry H Miller XXXX illegally discriminated against my attempt to purchase 3 new cars and 3 crate engines by direct deposit into their bank account. 
I offered full sticker price, and offered to let them retain the purchases until payment goes through. 
If Larry H Miller Co. Fails to right this wrong I shall file a lien and I shall pursue a Sheriff 's auction. I shall also bring a lawful Judgement against XXXX XXXX of Larry H Miller XXXX for Breach of Fiduciary Duty, in the maximum amount for which I can find legal precedent.