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

I sent a letter XXXX feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45days so they should be deleted promptly
Product: Student loan

I have tried to resolve with EdFinancial. They told me my loan became a new loan when my Federal loans from XXXX were consolidated into Direct loans in XXXX so I'm not eligible for forgiveness. 

I submitted case # XXXX through XXXX on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a response. 

Issues : 1. All loans owed dated back to XXXX are consolidated federal student loans. They are not counting payments before XXXX. 

2. Every time my loans were transferred ( many! ) they count it as a new loan listing my total borrowed at a quarter million which is absurd. 

3. I applied for PSLF forgiveness after XXXX XXXX verified my employment was eligible over the phone. I was then denied. Recently I received {$15.00} check for " the inconvenience '' and told the application might have been fine but they aren't looking at it again. 

4. EdFinancial has told me to talk to XXXX about this but XXXX won't help because they never had my loan. 

5. Back in XXXX I was given one warning over the phone that I would be in default. I was confused as I was receiving in-school deferment and there was a grace period. They said I needed to pay and could not fill out forms retroactively. I tried to pay THE VERY SAME DAY and was told I couldn't because the loan was marked for transfer. 

6. I am multiply XXXX but working. I am XXXX, legally XXXX, and in XXXX XXXX due to a XXXX XXXX. Speaking on the phone and filling out forms are difficult as an XXXX person and the wait times are hours long. I need help understanding why my classmates have received forgiveness but I haven't and if there is any way for me to resolve this. No one helps! I'm literally XXXX. 

7. My loans originated in XXXX WHEN I WAS A MINOR, FOR A SCHOOL THAT NO LONGER EXISTS 8. EdFinancial transferred my loan to themselves so my credit was hit then with my loans appearing to be paid off. Then months later my credit was hit again when the loans reappeared. The loans have not reappeared with all reporting agencies. 

9. I have paid about $ XXXX in interest alone but only about $ XXXX in principal. I have never brought home more than I owe. I probably never will since the balance never goes down. 

10. My loan payments have always been income contingent/based/driven and I have worked for non-profits since XXXX. I have not missed payments. The one loan they claim was defaulted was the same time another loan is reported as in repayment. All were consolidated together. My payment history is perfect. I still don't understand that one terrible phone call in XXXX. 

I really, sincerely, deeply need help.
Product: Mortgage

I have had a very difficult time with Homepoint Financial. I have tried to submit for a loan modification several times. I was told I was approved but the paper work was confusing and I never received any statement for the payment amount or date to pay. I never made any payments on a Homepoint financial modification application. I am now being told by Homepoint I can not receive a modification because of this miscommunication. 

I was never able to communicate to the same person which caused confusion. I simply want to save my home and be reviewed for a modification. We are over our hardship and can afford the modification.
Product: Credit reporting 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. 

US DEPT ED : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX SXXXX : # XXXX XXXX XXXX # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  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
Product: Mortgage

SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. 

XXXX XXXX, XXXX
Product: Mortgage

I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unauthorized credit inquiry conducted by CREDIT ACCEPTANCE on my credit report. I did not provide any written or verbal authorization for this company to access my credit, nor did I complete any paperwork permitting such an inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose and explicit consent to obtain a consumer credit report. This unauthorized inquiry has negatively impacted my credit, and I am requesting an investigation into this matter. 

I am asking for the following actions : XXXX. XXXX removal of the unauthorized inquiry from my credit report. 
XXXX. Documentation from CREDIT ACCEPTANCE proving they had my consent. 
XXXX. Any necessary enforcement actions against the company if they violated the law. 

I have attached supporting documents, including a copy of my credit report highlighting the unauthorized inquiry. Please address this matter promptly, as it is causing undue harm to my credit standing. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX my information was impacted in the XXXX breach attached is my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion, XXXX, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX XXXX  is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the account I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Debt collection

Account # XXXX Account Type Collection Agency/Attorney Creditor Type Original Creditor XXXX XXXX XXXX Amount Allegedly Owed {$1200.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Current Reporting Creditor HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX After carefully reviewing my credit report, I was not able to determine the source of this debt. I have never received a letter from creditors explaining to me what the debt is for. I would kindly like to request the deletion of this collection from my credit report.
Product: Credit reporting or other personal consumer reports

Issue : Inaccurate Information on Credit Report I am writing to file a formal complaint against ALL IN FCU regarding inaccurate information being reported on my credit reports with Experian and XXXX. Despite my efforts to resolve these inaccuracies directly with the credit bureaus and the creditor, the issues persist and are significantly affecting my creditworthiness. The details of the inaccuracies are as follows : Experian Report : The account is listed as 30 days past due for three consecutive months from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXX and XX/XX/XXXX. 
The account is erroneously listed as 180 days past due for six consecutive months from XX/XX/XXXX to XX/XX/XXXX. It is impossible for an account to be 180 days past due for six consecutive months. 
XXXX Report : The payment history indicates that the account was 120 days past due beginning in XX/XX/XXXX, which contradicts the information reported by Experian. 
These inconsistencies highlight that the information reported by ALL IN XXXX is not only inaccurate but also misleading. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The continued reporting of this erroneous information violates sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, which mandate the accuracy and completeness of information provided to consumer reporting agencies. 

Also the expected date to be removed is different on each report which shows evidence of re-aging and inaccurate information Impact : The inaccurate reporting of my payment history and the inconsistency between credit bureaus have caused substantial harm to my credit score, affecting my ability to obtain credit under favorable terms. 

Attempts to Resolve : I have disputed these inaccuracies with both Experian and XXXX, providing documentation to support my claims. However, the disputes have not resulted in the necessary corrections, and the inaccurate information remains on my credit reports. 

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure that ALL IN XXXX deletes the inaccurate information from my credit reports. If the inaccuracies can not be verified, I request the complete removal of this account from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrongfully exposed my full name, social security number, address, and other identification information on the internet, due to gross negligence of security practices. This has put me at lifelong risk for identity theft and credit fraud, requiring constant monitoring, time, and expenses for me for the duration of my life. This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
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 also states a consumer reporting agency can not furnish a account without my written instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all derogatory accounts XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery associates did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state
Product: Credit reporting or other personal consumer reports

Inquiries from company I never heard of. Remove them.
Product: Credit reporting or other personal consumer reports

i check my credit report last week and i noticed XXXX XXXX that mine
Product: Credit card or prepaid card

I purchased 4 Vanilla Visa gift cards. I tried to use them the next day and they didn't work. When I called, they said that there was an activation issue at the store and I would need to send the receipt info. However, they could not determine which store location I bought them from, and since I buy many multiple transactions per day, I could not figure out which store receipt I should send. I sent them a credit card statement for that day, showing the multiple transactions I made. It's been weeks and I still do not have access to my vanilla visa gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Trans Union for incorrect listing on my public record they keep saying that a XXXX XXXX bankruptcy is coming back as verified as accurate. No one at Trans Union can seem to tell me where the information is coming back accurate from the courts Ive called them they do not verify if any information with the credit bureaus. Trans Union says they do not know where they are getting the information verified back from
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.
Product: Credit reporting

They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND XXXX & BRIDGECREST FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account XXXX BRIDGECREST Account XXXX
Product: Credit card

We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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