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

In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX )  approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that these accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 : states that a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.
Product: Mortgage

I MISSED THE XX/XX/2022 PAYMENT BECAUSE THEY SAID THERE WAS INSUFFICIENT FUND IN MY CHECKING ACCOUNT. I PAID OVER THE PHONE AN AFTER I GAVE THEM MY ACCOUNT PAYMENT INFO, THEY SAID I WILL PROCESS YOUR PAYMENT THRU XXXX MINUTES LATER THEIR EMPLOYEE CAME BACK ON THE PHONE AND SAID " '' YOUR PAYMENT WENT THROUGH YOUR ALL GOOD NOW!!! '' '' THEN WEEKS LATER THEY TELL ME I AM LATE ON MY PAYMENT. I CALLED TOLD THEM ABOUT MY PAYMENT AND THEY SAID THAT IS NOT HOW WE WORK WE HOLD THEM PHONE PAYMENTS FOR 3 DAYS BEFORE WE TRY TO PROCESS THOSE PAYMENTS THROUGH THE BANK!! I SAID WHEN I CALLED THE PAYMENT IN THAT DAY THERE WAS PLENTY OF FUNDS IN MY ACCOUNT TO COVER MY TRANSACTION THAT DAY.!!! IN XXXX TILL PRESENT ( XXXX ), I HAVE BEEN SENDING THEM PAYMENTS OF XXXX OR XXXX EVERY MONTH WITH INSTRUCTINGS TO CREDIT EACH MONTHS DUE PAYMENT AND CREDIT THE EXCESS TOWARDS MY MISSED XXXX PAYMENT!!! I DID THIS EACH MONTH WITH WRITTEN INSTRUCTIONS AS TO HOW TO APPLY EACH MONTHS OVER PAYMENTS. THEY JUST TOLD ME THEY TOOK ALL MY PAYMENTS AND APPLIED THEM TO THE MONTH BEFORE AND CHARGED ME LATE PAYMENTS FOR EVERY MONTH AS THEY SAID THAT IS HOW THEY DUE THINGS AND JUST IGNORED MY WRITTEN INSTRUCTIONS AS HOW TO APPLY MY FUNDS I SENT IN... THERE TACTICS THEY NEVER TOLD ME ABOUT TILL NOW MADE ME TOTALLY UNAWARE OF WHAT WAS HAPPENING ALL THIS TIME WHILE THEY WERE JUST LINNING THEIR POCKET WITH LATE FEES WHICH IN MY OPINION WERE OUTRIGHT EMBEZELMENT BY OVER CHARING ME... I BELIEVE I HAVE A LEGAL RIGHT TO DIRECT ANY BUSINESS I SEND MONEY TO AS TO HOW I WANT THOSE FUNDS DISTRIBUTED IN MY ACCOUNT. MY MONEY MY DECISION ALL MY MONEY IS TOTALLY UNDER MY CONTROL NOT BUSINESSES I DEAL XXXX!!!!
Product: Student loan

I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account Number : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( XXXX and XXXX ) and {$3300.00} ( Experian ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late XXXX  Days ( XXXX and XXXX ) and Late XXXX Days ( Experian ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.
Product: Credit card or prepaid card

American Express closed down my credit card account without giving me any notice or reason why. I called them and no one can explain why they close my account I even asked to speak to the manager and they cant seem to find a reason for closing my account. Everything was up-to-date with my card I was very responsible with my card. I didnt get an email or email regarding why they close my account. All they can tell me is that they Close my account XX/XX/XXXX and that there is no records of cancellation. I asked for corporate number they refuse to give me that information. I spoke to customer service representative XXXX XX/XX/XXXX at XXXX AM and I also spoke with supervisor XXXX he claims that he can not provide me with corporate number or email and refused to help with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right of 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.
Product: Mortgage

I have an XXXX loan from th XXXX. It started with XXXX then they turned it over to XXXX. A few years ago the loan was turned over to Nationstar and that is when all the trouble started. They told me when the loan was set up the taxes and insurance were taken out of the payment. The payment was always XXXX. When it went to Nationstar we paid insurance and taxes thru XXXX XXXX XXXX. This seems to me to put more on the principal than the way it was set up. I have made the payment every month to Nationstar, every month {$1800.00}. They change the payment amount, they added an escrow account, paid taxes once and then returned the money. My loan has never gone the way it should. My husband and I are in our XXXX, neither XXXX of us are in good health. XXXX months ago my husband was on XXXX. I do n't know what to do anymore. They have ruined our credit rateing. I have spoken to them for years about this loan and another smaller loan that is also from the XXXX, and also had terrible problems. This has been going on for years. I have faxed them my bank statements to prove payments were made. I have sent paper work. So far my bill if up to over XXXX in faxing and mailing paperwork. I speak to someone that understands and agrees then it all happens again. It is like they figure it out but no one writes it down or lets anyone else know about the outcome of our understanding. Please tell me what I can do. I just sit here and cry at times I am so frustrated. Please tell me what to do now. I recently received and letter asking me if I had an attorney. Maybe getting an attorney is the only answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the XXXX XXXX with my original signature, the name, address and telephone number of the XXXX, the full payment history of this account with all the payments made, and proof that they are authorized by the XXXX to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed several fraudulent accounts on my report. Please remove these accounts from myreport, they are hurting me and my families future fi nancial journey to obtain credit.
Product: Debt collection

XXXX XXXX XXXX left me without running hot water for 8 days. As recourse I withheld the rent for 8 days as per California Renters Rights. I had XXXX service the hot water heater that should have been replaced. XXXX reported it unrepairable and shut it off to be replaced. Its passed the statue of limitations and I already disputed and won with XXXX XXXX XXXX XXXX. Credit Bureaus Associates contacted my employer under false representation using false statements. They informed HR of this debt not owed. The caller Id showed XXXX XXXX rather than CBA. The rep was rude, harassed me and would not allow me to speak. I was never asked to be recorded nor was a pre recorded disclosure played. Call made X/X/17 at approx XXXX XXXX
Product: Mortgage

My mother lost her home to wildfires and shortly there after was diagnosed with XXXX, leaving myself to have to take over her affairs. I discovered that the property was in the process of foreclosure. I brought it out of foreclosure and was making the payments for my mother. In XXXX of 2014 she had to be placed in a XXXX which takes all of her retirement and social security income. I wrote a letter of explanation and requested the loan be written off as uncollectable, but was denied. There is no home, but the mortgage company is foreclosing on the land which was deeded over to me while my mother could still sign documents for herself. 
What can I do to resolve this matter and get the land released?
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Dear Early Warning Services, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my bank account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

( Account # XXXX ) XXXX XXXX  - fraudulent transaction that I did not authorize in the amount of {$1100.00}. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.
Product: Mortgage

I applied for a mortgage in XXXX of 2019. Were not able to close due to multiple factors, one of them Fraud committed on our loan. They have had our escrow deposit since then and do not want to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. 

My current address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX. 

My name is XXXX XXXX. No other names should be listed on my credit report.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Debt collection

This debt is not longer owed. The XXXX  forgave the debt and sent this company notification to release and remove the debt. There are two accounts. The balance on one is XXXX and the other one is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX mainConsumer Reporting Agencies ; EXPERIAN, XXXX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.
Product: Credit reporting or other personal consumer reports

i sent letters to transunion, XXXX, and experian about reporting inaccurate information on my credit report, and requesting that they delete the item from my credit report, per 15 usc 1681s-2b. This is really effecting my judgement and XXXX because i can't get things with my credit.
Product: Credit reporting or other personal consumer reports

I have had it with Bank of America 's deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. Bank of America is not receiving another penny from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if BofA is messing with my account # XXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know BofA can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank of America! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of XXXX 's response to the complaint on Bank of America. Bank of America had no right to give my account # XXXX information to XXXX to start with much less have XXXX give that information to someone else. Bank of America was very capable of providing that information, without XXXX requesting information on account # XXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't own, Bank of America? BofA needs XXXX to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for BofA to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the XXXX word statement I have a right to be able to do. Why is XXXX responding to a complaint on account # XXXX they do not have, instead of actually responding to the complaint on account # XXXX. XXXX is also 100 % aware that # XXXX is not the " second account '' I was referring to. This is being added before Bank of America comes up with more lies and fake documents.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and illegally re-aged information being reported by XXXX XXXX ( XXXX ) on my credit report. Specifically, they have : Re-aged my account, changing the date of first delinquency to extend the reporting period in violation of FCRA 15 U.S.C. 1681c ( a ) ( 5 ).

Reported false delinquencies, listing the account as 60-90 days late despite payments being made.

Furnished misleading and deceptive information, in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Requested Action Under FCRA 15 U.S.C. 1681i, I demand that you : Conduct a thorough investigation into these inaccuracies.

Correct and update my credit file to reflect the accurate payment history. 
Remove any re-aged or false delinquency information associated with XXXX XXXX. 
Failure to correct these violations within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. Furthermore, I will explore legal action for damages under FCRA 15 U.S.C. 1681n & 1681o. 

This letter serves as official notice under federal law. I expect a response and correction of these inaccuracies immediately.
Product: Student loan

Trying to call XXXX student loans from a number online from XXXX search : XXXX, I reached National Budget Planners who did a great job of pretending to work with XXXX  on behalf of the Department of Education. This guy accessed my private student loan information and I later learned he accessed and changed my FSA ID without my permission through an email I got after the call from the US Federal Government. 

This is his info : Revised Pay As You Earn ( REPAYE ) You will pay a total of {$190000.00} over 300 months {$240.00} + $ XXXX/month  ( 11 Months ) XXXX XXXX Student Loan Counselor National Budget Planners Phone : XXXX Ext. XXXX Email : XXXX Doing some research I learned they are part of XXXX XXXX XXXX, and will identify themselves as XXXX XXXX**** as well as National Budget Planners. They are smooth talkers, know the sales jungle to try to convince you they are legit, but all research points to illegal debt collectors who will take your money. He said he would help me consolidate my loans for $ XXXX/month. I declined as I have worked in XXXX several years and wanted to do research on this company first!
Product: Bank account or service

I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loans in the amount of {$170000.00} were paid off in XX/XX/2022 as I am a XXXXXXXX XXXX XXXXXXXX veteran and student loan payoff is one of the advantages to my status. 

I have contacted Transunion three times since XX/XX/2022 in order to update the balance and status of my account. XXXX has reported the new account information to Transunion, I know this because they sent the same updated account information to XXXX and XXXX. XXXX and XXXX are reporting the correct account information on their credit reports. Transunion keeps lying telling me that they have verified with XXXX that my account balance of XXXX is correct. 

Please make Transunion correct the account information on my credit report as the information is preventing me from getting a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B This is a fraudulent account on my report. 

XXXX. XXXX XXXX XXXX {$16000.00}