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

The XXXX XXXX XXXX account # XXXX updated with a delinquent status of " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ''. or " 30-59 Days Past due '' This update took place after 7 months since the account was paid to zero and closed. The account was paid to zero with a payoff check which was issued and dated and processed by XXXX. 

XXXX received the payoff check prior to the months due date at the initial week of XX/XX/2021 which was confirmed by the dealer. 

i spoke with XXXX twice between the ending of XXXX, well into mid XXXX and confirmed the dealership in which the check came from. These calls were recorded and I still retain a photocopy of the check issued to XXXX XXXX which also has the issue date and mailing date attached. 

However, to my dismay XXXX took over a month to process the payoff check and now 7 months later falsely changed the status. This account was never paid late. Furthermore, this account was paid in full by XXXX of 2021 and is falsely reflecting a 30 days late and the closing date as XX/XX/2021. 

The account was closed in XXXX of 2021 and paid in full and NEVER late.
Product: Student loan

My husband died on XX/XX/2017. I called Navient and talked to a very nice young man who gave me a deferment until XX/XX/XXXX and said I should complete the Income Based Reduction forms to lower my payment. I did as he asked and my payment went up {$57.00} to {$650.00} and change. I called and talked to XXXX. She said I had no options. I said I have paid every payment for 10 years and all I was asking was for four months of no payments so I could figure out my finances. Her direct quote was " You need to prioritize your finances '' I asked for a supervisor and I waited forever and finally hung up. I contacted Navient by email and received forms back with condolences and that over the years I had used up my deferments and forbearances and if I tried to get an income sensitive there is no guarantee that my payment would go up even more. I bring home {$XXXX} every two weeks after taxes, insurance, union dues, etc. But my gross is XXXX which is what they are going by All I was asking for was four months. It is disgusting that they could n't see their way to do that. I did was I was asked to do by XXXX and was punished for compiling.
Product: Money transfer, virtual currency, or money service

On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts from 2 different Toyota loans that have been paid in full payments were made on weekends and company systems did not reflect the weekend date which is unfair to me as a consumer when paying before the 30-60 day mark they have reported XX/XX/2016 on both my report and my husbands report late 60 days under this account XXXX XXXX and also are reporting 2 30 day late payments on the newer loan this is severely hindering us to refinance due to covid I am asking they please remove all late payments both loans are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Equifax because I was still unable to access my credit report and all of my creditors are still removed from my Equifax credit profile. At first Equifax was reporting was reporting my creditors on my credit report and since sometime in XXXX they out of nowhere have removed every creditor from my Equifax credit report that I ever had. Ive been calling Equifax for months to get them to put my creditors back on ny credit report, and unlock my Equifax account and they still havent done anything and its been a whole year. I have plenty of proof showing from the two other creditors XXXX and XXXX showing that I have years worth of credit history, I also have proof showing my Equifax Credit report was showing my creditors. Then they removed some of my credit accounts and now theyve removed every single creditor from my Equifax credit report that I ever had, and thats causing me to get denied for things I need like a place for me and my child to live and a car or loan
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, violations include breaches of FCRA regulations ( 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 215 U.S. Code 1681c '' 2 and 15 U.S Code 1681b ) RE : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a informed customer I am writing this letter for your prompt attention to this matter I have studied the laws to be able to understand a correct my situation and to be able to have a flawless credit report which is very important for someone to be able to live a decent life and obtain a home a vehicle and other necessities in life especially being a single mother, this inaccurate reporting as disputed previously which is unlawful reporting furthermore has been detrimental to my livelihood as well as my inability to obtain new credit as well any credit at all. I am writing to address severe violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). It has come to my attention that certain creditors have reported accounts without obtaining my explicit written consent, thereby infringing upon my privacy rights and violating FCRA regulations. Furthermore, the financial institution involved has failed to provide me with the option to opt out of disclosing my non-public personal information to non-affiliated third parties, as mandated by the GLBA. 

Outlined below are the inaccurately reported items, complete with their respective account numbers : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under the Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 Section 602 A, these accounts must be promptly removed or deleted until I provide written authorization.

Moreover, in accordance with 15 U.S. Code 1681c '' 2, consumer reporting agencies are obligated to block the reporting of any information stemming from suspected identity theft within four business days of notification. Despite my identification as an identity theft victim, these items remain on my report well beyond the mandated timeframe, constituting a blatant violation of federal law. 

Additionally, as per 15 U.S Code 1681b, consumer reports may only be furnished with the explicit written consent of the relevant consumer. I have never granted such consent for the inclusion of these items on my report, rendering their presence a violation of my federally protected rights as a consumer. Absence of consent equates to identity theft. 

I demand immediate action to rectify these violations, including the removal of the inaccurately reported account from my consumer report and the provision of the option to opt out of disclosures to non-affiliated third parties, as required by law. 

I expect prompt resolution of this matter and thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I am filing this complaint against National Recovery Agency ( NRA ) for failing to verify a debt that was improperly reported to my credit and sent to collections. This debt was related to a hospital visit on XX/XX/XXXX, at XXXX XXXX XXXX. 

After disputing the debt directly with the hospital, XXXX conducted an internal investigation and issued a formal letter of apology dated XX/XX/XXXX. They confirmed that the debt was the result of a registration error where another patients medical records were mistakenly linked to my file. XXXX has since removed the account from collections and assured me that I am not responsible for this debt.

The critical issue here is that NRA failed to properly verify this debt before pursuing collection actions. Specifically : 1. If NRA had reviewed the original records, they would have realized that the patient 's first and middle names did not match my name.

2. This lack of due diligence caused significant distress and inconvenience as I had to repeatedly dispute a debt that was not mine.
Product: Student loan

XXXX   XXXX  fraudulently enrolled me. said that i might be eligible for scholarship when the rep knew it was for working students. I was rushed through the lending process when I should 've gotten financial aid. I was in default of the loan, so I had a lien on my taxes refund.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested a copy of my original account application/paperwork. The company opened ticket ID : XXXX. 

I patiently waited 40 days and during that time I received an occasional email stating that my request was being worked. 

But, then on XX/XX/XXXX, I received an email stating that they would not be willing to provide me a copy of my original paperwork.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX  XXXX Balance {$320.00}
Product: Debt collection

SOMEONE STOLE MY INFORMATION AND OPEN AN ACCOUNT WITH PREFERRED CREDIT.
Product: Credit reporting or other personal consumer reports

Experian does not allow me to manage my credit freeze online without agreeing to terms and services beyond the scope of managing my freeze. Effectively they force me to sell my information and sign up for other services and despite claiming the ability to opt out there's no clear path to do so. So I'm effectively blocked from managing my credit freeze online. Calling the number provided leads nowhere. 

Attempted to contact by phone XX/XX/24
Product: Mortgage

I have a mortgage with XXXX XXXX and they have been denying my modification request and assistance for over 2 years. 

They keep telling me that I need to clear the irs liens on my county report but the liens are not going anywhere until I pay them and if I could pay them then I would not need a modification. 

I contacted the irs to do a subordination agreement on XXXX XXXX behalf and they never sent the irs information to complete the subordination on the liens. It's like XXXX XXXX wants me to loose my home! The irs liens are from a bad business that went bankrupt and now I have the irs lies from Im 2019 with The taxes from the business. 

I'm teuk f to keep my home and they want to foreclose on me and only offer me a short sale! 

I need a modification. Or payment plan and they will help me! 

It's just modification which means modifying my current mortgage not a refinance and I do not know why the liens ars playing a big factor on me keeping my home. 


Please have them understand the the IRS and state of Virginia liens are not going anywhere and I need to keep my home! 

Im also going to file a discrimination complaint again Truist because I'm beginning to believe they are practicing discrimination against me and my co borrower because we are XXXX! 

My co borrower is a XXXX veteran!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In XX/XX/2021 both XXXX and XXXX added a requested 7-year fraud alert to my credit files. However, in spite of EIGHT requests being sent to Equifax, I still have only a one year alert on my file with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; 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

XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAG which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

In XXXX we filed a chapter XXXX in XXXX ind, case XXXX, XXXX XXXX was Tha morgage holder, we paid payments every week on time for 6 years and 7 months, we completed our bankruptcy, it was discharged, XXXX and XXXX services were afilliated also, since then a few banks have filed foreclosure on us, but never got past the bankruptcy, since then, XXXX n XXXX and now nationstar claims we owe XXXX the loan was onlyXXXX, now they have harrasement us by mail n phone, they obtained a forclose without us being notified by the XXXX county court in XXXX ind, the only papers we recieved was from a lawfirm of XXXX XXXX XXXX, none of the papers were court filed or stamped, now they have our house up for sale in XX/XX/XXXX, nationstar the man 's name is XXXX XXXX , we only recieved a court paper stating nation star was substitute for us bank, it 's a federal crime that they somehow for closed on my morgage, without a court hearing, ,cause number XXXX, from what I could tell XXXX XXXX copied papers from a XXXX for closure that XXXX XXXX tried but was thrown out by XXXX XXXX, ,I 've obtained my documents from the federal court, and I will be taking them to judge XXXX office and the county clerk, nationstar is commiting a federal crime, please help us, sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXP 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 XXXX 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 of 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

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, Experian responded regarding a previous complaint with the CFPB that there is an unauthorized third party which is false. On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX XXXX XXXX XXXX Account for {$150.00}. 

The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Experian Credit Report in XXXX of XXXX. XXXX has removed this account in its entirety and XXXX  is currently under dispute. 

I contacted Experian on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. Experian sent me an alert on XX/XX/XXXX informing me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. Again, l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.
Product: Debt collection

XXXX XXXX has abused their authority to collect a debt. 1099-C has been furnished to the company for method of discharge as per the arbitration agreement and Per 15 usc 1681604 15usc6802-5 also 16CFR313.2 PER FCRA as a federally protected consumer I have opted out in any authorization of the following communication ( Unwritten, written, verbal, or non verbal ) As per 15USC6802 XXXX XXXX has shared my information with third party non affiliates.
Product: Checking or savings account

XX/XX/2019 - {$72.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$180.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee I was charged a total of {$1000.00} in bank fees for unauthorized charges ; Regions moving funds from this account to another account when it would overdraw the account and applying bank fees for pending transactions that were never posted to the account.
Product: Debt collection

XX/XX/15. 
XXXX XXXX XXXX Armada Corp is trying to collect bill that is not mine. False reporting to credit bureas. I contacted them directly and asked for proof of my bill. They never sent or provided proof. False bill. Not mine. Very rude company
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXX payment was made.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an incomplete account that I do not recognize. The name of the account is XXXX XXXX XXXX {$160.00} I also noticed that the account is incomplete and not providing information such as date of last activity or first date of delinquency. 

It is the credit Furnishers responsibility to report only maximum accuracy and complete information. Please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had my account frozen and... " In Dispute ''.. for over 4 months. I can not even get a response. I am on hold till they obey the law.
Product: Checking or savings account

XXXX XXXX XXXXXXXX let someone take my money through Zelle back in the year of XXXX they open investigation and said it was me I was obligated to pay the money back even tho it was not authorized by me in the amount of {$3500.00} they accepted payments but it was not my authorization for that payment and they still made me pay it back investigation lasted about a week or so and they came back to me stating the transaction went to a personal banking that could not be located and I was obligated to pay that money back even tho I did NOT authorize the transaction