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

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. XXXX is reporting date XX/XX/XXXX status, Experian is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Product: Mortgage

In XX/XX/XXXX-XX/XX/XXXX I requested a HAMP modification from Wells Fargo having a XXXX XXXX loan. What I was given was not the HAMP and the modification I was given was something similar but not the HAMP. For 8 years, I have been arguing with WF to correct my modification and they of course refused. Now, in XX/XX/XXXX finally, they agree that I should have been granted the HAMP and they made an error in denying me such. However, since, they refuse to correct and and provided an accurate HAMP modification for me. Today, finally, XX/XX/XXXX I receive a recasted agreement from WF and it is not correct. They have given me a deadline of XX/XX/XXXX - one week- to review this and sign and return it. This is nonsense when they have taken so very long to do it and now they give me one week. The figures are all off and I have NO documents to check and audit it prior to me signing and agreeing to these terms and my balance ( which has been changed several times ) Just on the paperwork mailed to me, I see accounting errors not adding up correctly. They are threatening me " to take action '' whatever that means, if I do not sign and return by XX/XX/XXXX. I want to state again : I am current on my loan and have always been The loan I have now benefits WF more so what is their issue with this deadline The modification they recasted is NOT correct WF refuses to provide me with the requested documents for review and my file contents WF forcing me into signing this agreement as they did back in XX/XX/XXXX. This is bullying, fraud, corruption, It is awful they way I was spoken to when I informed them I need the deadline of XX/XX/XXXX extended. XXXX XXXX XXXX
Product: Mortgage

During a Chapter XXXX XXXX Mortgage company reported me late repeatedly when I paid the Chapter XXXX Trustee every month on time. I am now trying to refinance my loan because Ruoff has raised my monthly payments that we agreed at the time of signing from {$700.00} to second year to {$760.00} and now they have raised my payments to {$820.00}. This loan needs to be looked at as to why they will not remove the late payments and why they say I owe them so much money when I do not.
Product: Student loan

I took out federal student loans to attend The Art Institutes of XXXXXXXX  from XXXX through XXXX. I've paid off my loans, but I understand that students who were enrolled with any of The Art Institutes schools who still have outstanding student loans will have the debt forgiven. Paying off the money that I borrowed for my student loans started a cascade effect that has built debt throughout my adult life. From the information I have come across, it seems that I am not eligible for repayment of my loans because I finished paying them off. I would like to submit that even though I completed my loan payments, the effect of them has not yet dissipated from my life and my ongoing financial struggles seem to have, at least in some part, been catalyzed by these student loans. The Art Institutes have been confirmed to have utilized predatory tactics and exaggerated ( or falsified ) information to ensure student loans would be authorized. The fact that I have paid off my loans should not exclude me from the compensation that should be owed to help with the ongoing financial hardships that have plagued me since working to pay off my student loans.
Product: Vehicle loan or lease

I paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Exquifax and XXXX  for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit
Product: Debt collection

This company was sent letters to validate the debt two weeks ago on XX/XX/2019. I did not receive a response to those letters but my credit reports are constantly being flagged. For some reason the collection was not reported until I mailed the company a request to validate the debt. My XXXX, XXXX and XXXX  reports have duplicate reportings of the same debt from this company collection credit service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It says Im deceased and Im not
Product: Credit reporting, credit repair services, or other personal consumer reports

History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX XXXX XXXX XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the XXXX to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX of NO, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my Transunion and XXXX credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know exactly what to do, I have been contacting these companies for months. I informed them that those accounts do not belong to me. I would like these accounts to be deleted from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX FIN : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting mortgage is 120 plus days past due, account is current and in good standing
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized & unverified injuries on my credit report, XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>. According to the Fcra, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 XXXXXXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

My mortgage lender, Newrezz LLC, along with its division Shellpoint Mortgage Service LLC, has not provided its attorney with the original Stock Certificate and Proprietary Lease related to my mortgage loan for over 80 days, which was far beyond the promised timeline of 8 weeks ( requested by my attorney on XXXX XXXX ). While the bank was unable to provide the original document, they were also unwilling to authorize the attorneys to prepare a XXXX XXXX and Lease Affidavit. 

I had called customer service many times, but each time I had to explain the situation over and over again, and the only response I received was that they were escalating the situation and refusing to provide a resolution and timeline. 

I can not close the sale of my property due to their non-performance ( all other parties were ready to close on XX/XX/year> ), resulting in a direct loss to me of {$2200.00} to date ( XX/XX/XXXX ), and an additional $ XXXX per day until the transaction closes. In addition, my buyer 's loan interest rate lock-in letter expires on XX/XX/year>, and the buyer is asking me to pay for the extension, which will cost nearly {$1300.00} for a XXXX extension as it is my bank who delayed the process.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted Experian, XXXX, XXXX and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

cra hippa inaccurate information not mine
Product: Debt collection

CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting

I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and received an email within a few minutes stating the tax lien was confirmed as mine. I added a statement to my credit report stating the tax lien was not mine. I can not buy a house until this tax lien is off my credit. I wrote a letter to the tax lien and never received a response. I need this item thoroughly investigated so it can be removed from my Experian credit report.
Product: Credit reporting or other personal consumer reports

Formal Identity Theft and Unauthorized Collection Complaint Against XXXX and XXXX Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **XXXX** and **XXXX** for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **XXXX** and **XXXX** have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. XXXX. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - **XXXX XXXX XXXX XXXX XXXXXXXX : XXXX reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXXXXXX XXXX  XXXX XXXX ** : Both XXXX and XXXX report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection BalancesXXXX : XXXX  shows additional collections with balances of ** $ XXXX, ** $ XXXX, and ** $ XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collections. # # # **Violation of Privacy and FCRA** : - Both **XXXX** and **XXXX** are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek
Product: Debt collection

This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report