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

I just received another can letter from your company stating that you already verified the account listed below. Ive already stated that Ive been a victim of identity theft. How can you verify a fraudulent account. Please review my documents and remove these accounts immediately.
Product: Vehicle loan or lease

Credit Acceptance ( Lender ) FAILED TO PROPERLY APPLY PAYMENTS MADE ON LOAN made by BORROWER and changed loan agreement to apply payments on account as interest bearing rather than on the balance as BORROWER signed too! Lender DEMONSTRATES BAD BUSINESS PRACTICES and fraudulent credit reporting attempting to obstruct borrower from paying loan off early. LENDER CHANGED the loan agreement after BORROWER cancelled the two contracts lender insisted it buy. The balance should've been {$14000.00} on XX/XX/XXXX, with payments deducted from the balance, all payments made to date have been paid in INTEREST BEARING only, unbeknownst to borrower until yesterday XX/XX/XXXX. This is predatory lending and fraudulent bad business practices.
Product: Vehicle loan or lease

on the week of XX/XX/XXXX I called Credit Acceptance I spoke with a gentleman about losing my job I was told that I qualified for the covid protection program and that for 90 days I did not have to make a payment or will receive a call about making a payment .He stated that when I could make a payment to just do so. That same week I set up a payment arrangement to pay {$20.00} on XX/XX/XXXX and which I did. So that next week I got another call explaining to the the young lady that I was in the covid protection program which she stated that I needed to still payments and call in in which told her that I was never told that. So I made another {$20.00} payment the same day. So on last Tuesday XX/XX/XXXX they spoke with my co signer which he stated that he would make the payment but due to personal reasons he could not, he too stated that I was in the covid relife program. So on today XX/XX/XXXX, I get another phone call stating that I am not in the covid relife program and that I could not even set up an arrangement for XX/XX/XXXX plus they would still call me daily to try and get a payment when clearly I have nothing to give them at this time. They call me at least 3 times a day and leave voicemails and they call my cosigner and do the same as well. At this point why would somebody say I will be okay for the next 90 days but I still get harassed daily.
Product: Credit reporting or other personal consumer reports

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Follow up not dupulcate XXXX XXXX and experian credit agency forgot to remove the late payment for XXXX their a letter on file during that time i have a pending appication to be filled out for assitance and they sent me out a letter regarding home assitane program my complaint is that by law a bank or servicer dont supposed to report the consumer late or take legal action or non credit repoeting while theirs a pensing appilcation for assitance.so im asking XXXX at XXXX XXXX XXXX XXXX XXXX is to remove the late payment for XXXX  off of experian
Product: Student loan

I qualified for the public service loan forgiveness program by my Agency after 10 years of service and submitted the qualifying paperwork in XXXX 2017. Fed Loan Servicing informed me I had made zero qualifying payments and rejected my paperwork in XX/XX/2017.
Product: Debt collection

Repeated calls all thru the day for months..im a XXXX XXXX and this has really XXXX times for me
Product: Mortgage

On or about XXXX XX/XX/2021, I applied for a loan with Nationstar Mortgage /Mr. Cooper ( XXXX XXXX ) led me to believe that after pulling my credit that I was qualified for this loan, and the next step and or process would be simple, he would get the loan to underwriting, I would get an appraisal. The loan should close in about 30 days, and I attached correspondence to support this statement. At no time during this process did anyone from Mr. Cooper indicate that I would need to meet additional guidelines and or requirements under the VA. 
As a result of this loan request and application has affected my credit score and worthiness. I am sure Nationstar Mortgage XXXXMr. Cooper has an ethics policy. My ask is simply that those employees who are involved with this loan and loan application be held accountable in accordance with the procedure. From my past experiences, when employees start making unethical decisions, its because they feel leadership would or has allowed it. 
I say this because I lost my first home to XXXX XXXX XXXX. If you review the case, you will find similarities.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX
Product: Credit card

On XX/XX/XXXX, capital one sent me a text message asking me did I try to make a purchase on my platinum credit card ending in XXXX for {$330.00} with XXXX? Text back yes or noto protect your account. I texted XXXXCapital One denied the charges. Capital one then says-Let 's take care of this right away. We temporarily stopped the use of your card to help keep your account safe. Now let 's report any purchases you didn't authorize ( including this one ), and then we'll send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. 

Tap this link to get started : https : //capital.one/fraud. Nope! Scam! I will be saving this message. Then capital text me and said-I didn't understand your request because I'm still learning. But I can tell you about your accounts and recent purchases, and you can also pay your credit card bill with me. I said No! In XXXX of XXXX I received a billing statement with a new account number ending in XXXX and a interest rate of 31.99 %. I called capital one to inform them about what was done to my credit card account. They told me that the only way that I could receive a increase in interest rate is that I would have to authorize to transfer my balance to a new credit card. I said that I didnt authorize anything so you need to decrease my interest rate immediately! The supervisor said that there wasnt anything she could do. She will try to see if she could get the manager to solve the issue. Then I contacted the CEO XXXX XXXX of capital one and told him about the problem by email on XX/XX/XXXX because nobody would resolve my problem that they caused on my credit card. I spoke to XXXX XXXX on XX/XX/XXXX on the phone and he tried to deny all text conversations after I read them to him. I told him that I wanted a refund of {$350.00} for the interest that was charged on my new credit card that I did not authorize. I told him that I wanted to be compensated for the suffering that his company caused me for closing my credit card without authorization and charging me a high interest rate of 31.99 % on a new credit card that I did not authorize to receive. He said to me that I was right who wants a high interest rate. He said he would call me back with his decision, but he never did. Instead he sent me a letter via fed ex with changes to the card policy that said he can change anything in his credit card policy and close my credit card, as well as change the interest rate without notifying me first. I called and told him that he could not do that and it was against the law. I told him that capital one owed me {$350.00} for the interest rate overage on my credit card. I should not have to suffer for his employee intentionally closing my credit card account and transferring my balance to another credit card without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Ive been waitin XXXX months for my money back for an item I didnt receive and Klarna XXXX me XXXX times and credited me only XXXX they owe me XXXX I have proof from my credit card transactions. The first dispute the rep put it in incorrectly the second dispute no resolve I just made the third dispute today and have to wait XXXX more days and its been since XX/XX/year> since I told them I didnt receive the northface coat
Product: Credit card or prepaid card

My grandson purchased a {$50.00} XXXX XXXX gift card with cash at the XXXX, RI XXXX on XX/XX/2023. It would not activate, I tried repeatedlt to contact XXXX XXXX to no avail. I searched on line for XXXX XXXX  card help. I called the number and the man I spoke with said he could help but he would have to put the credit on my XXXX account because my grandson ( XXXX yrs.old ) was a minor. I agreed to that. I gave him my XXXX account to do that. I repeatedly asked him if he worked for XXXX. He replied yes each time. 
Then I see several charges on my XXXX XXXX card in the amounts of {$100.00} and {$99.00}. I called the credit card company immediately. They agreed that the suspicious charges totaled {$1000.00}. XXXXis the name of the merchant making charges on the account. I also received a call from XXXX XXXX notifying me of suspicious charged. They resolved the issue ( credit and new cards ) within XXXX hours. I looked further and they also made charges on my XXXX credit card. XXXX responded the same as XXXX  ( resolved within XXXX hours ). XXXX was also hit for {$300.00}. They contacted me and immediately reversed the charges through XXXX XXXX for that amount. XXXX XXXX XXXX is still dragging this out for 2 months. The amount remaining is {$690.00} Fraud is saying it is a dispute and dispute is calling it fraud. I have spent several hour over these 2 months tring to resolve to no avail. I also made the knowingly futile attempt to complain to XXXXThat is why I am asking for help from a higher source.
Product: Debt collection

On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.
Product: Debt collection

I had a procedure with XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. The insurance claim had to be resubmitted a few times to be approved by the insurance, but once it was, I paid my portion in full. I have verified with XXXX XXXXXXXX XXXX multiple times, and again a few days ago, that my account is paid in full. However, as a result of a data breach with XXXX insurance that happened some time ago, a hacker/scammer acquired information about one of the claims that was denied and has been sending me fake bills every few months for the past year or so. Like I said, I have verified multiple times with XXXX XXXX XXXX that these bills are fake and my balance is paid. But now, this scammer has sent the " bill '' to collections through Transworld Systems Inc. I received a letter in the mail in the exact amount I would always get on the fake bill, {$800.00}. And when I called XXXX to get this sorted out, the only information they could give me on their " client '' was the address on file, which is the same XXXX XXXX XXXX XXXX PA address that is on all of the fake bills. This address is not affiliated with the real XXXX XXXX XXXX in any way, and a quick XXXX search or a visit to their website can verify this.
Product: Credit reporting or other personal consumer reports

FROM XX/XX/XXXX THROUGH XX/XX/XXXX I DISPUTED XXXX ACCOUNTS ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX ) WITH XXXX XXXX TRANSUNION AND XXXX XXXX THOSE ITEMS WERE DELETED IN XX/XX/XXXX. IN XX/XX/XXXX THOSE XXXX ACCOUNTS WERE REINSTATED BY ALL XXXX CREDIT BUREAUS. I SPOKE TO THE AGENTS OF ALL XXXX BUREAUS AND REQUESTED INFORMATION FROM THE INVESTIGATION PER FCRA REGULATIONS SINCE THEY WERE VERIFIED AND NOT XXXX OF THE CREDIT BUREAUS COMPLETED THIS. IVE CONTACTED THE CREDITORS OF BOTH ACCOUNTS TO PROVIDE VALIDATION LETTERS OF THE DEBT AND THEY HAVE NOT COMPLETED THIS AS WELL. XXXX HAS DISPUTED THESE BOTH ACCOUNTS ONCE THEY WERE REINSTATED WITHOUT MY CONSENT ON XXXX OCCASIONS ( XX/XX/XXXX XX/XX/XXXX XXXX. AGENTS FROM TRANSUNION AND XXXX STATED THEY NEVER ATTACHED MY DOCUMENTS TO THE DISPUTES WHICH ADDED AN ADDITIONAL XXXX PLUS DAYS FOR INVESTIGATION. ATTACHED ARE THE LETTERS SENT TO CREDITORS AND CREDIT BUREAUS CERTIFIED MAIL FOR THE REMOVAL AND DELETION OF THESE ACCOUNTS THAT ARE REPORTING ILLEGALLY AND INCORRECTLY ON MY CREDIT REPORT PER ( FCRA ) FAIR CREDIT REPORTING AGENCY WHICH HAVE AFFECTED MY CREDIT SCORE AND PERSONAL LIFE TREMENDOUSLY.
Product: Debt collection

On XX/XX/XXXX, I received a notification that my credit score has changed due to a collection. I logged into my XXXX XXXX account and saw a collection from Spring Oaks Captial LLC for {$570.00} dollars. I contacted the company and informed them that I have no knowledge of this account. The representative claims that she will not only mail me a letter explaining the charge but also email it to me. As of today, XX/XX/XXXX, I haven't received anything from this agency explaining this debt on my account. I want this removed immediately.
Product: Credit reporting or other personal consumer reports

A company called early warning system has a number of erroneous accounts that were opened due to a data breach on my credit report all of which I have contested with them personally XXXX of them they removed and there are still a few remaining but they are dragging their feet and correcting them
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my capital one credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called capital one and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Against XXXX and EXPERIAN XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified XXXX and Experian, XXXX and Experian refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to XXXX or Experian or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and Experian have been informed about the error and continues to provide false information XXXX. XXXX and Experian have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need XXXX and Experian to remedy this immediately : XXXX. Remove false late payment information
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about the Experian Boost Program. 

Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX Credit repair services Problem with customer service EXPERIAN XX/XX/2020 Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX  services Problem with customer service EXPERIAN XX/XX/2020 Open Company response is in progress as of XX/XX/2020 ... I was later contacted by XXXX XXXX, of experian XXXX XXXX XXXX | Experian Consumer Affairs | Senior Regulatory Affairs Associate XXXX XXXX  XXXX XXXX XXXX, TX XXXX I told him my concerns, he advised me to again provide him my utility information for XXXX XXXX XXXX..which I did .I have continued to pay all my bills on time, including XXXX XXXX ... When 30 days from last month passed again today.XXXX XXXXExperian reduced my credit rating by 23 points ... I feel this is retaliation for my complaints. 

I have attached my Experian credit report which shows no derogatory information on my report, no collections, also showing they have not added my XXXX XXXX electric utility leaving still at 4 accounts ... .There has got to be something that can be done ... I am XXXX years old, it would seem that my credit rating should increase instead of dropping.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX and Equifax Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX and Equifax Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Product: Debt collection

Harris & Harris continue calling me regarding another person. I have told them repeatedly they have the wrong number and asked to be removed from their calling list. I do not have any debt. I am under a XXXX XXXX XXXX 
They are now calling me daily. I work 3 jobs so I am either at work or asleep when they are calling. This is very disruptive, and they aren't even calling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXXl XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose