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

Pertaining to the Report Number : To Equifax Dispute Resolutions Team, This is to advice your company of a potential lawsuit pertaining to your scoring system. Attached is a credit file from yesterday, with no changes to the file with a score of XXXX, and today, here is a different score XXXX. <P/>There have been no changes other than positive reporting, and updated positive account information so there is no reason this score should have dramatically dropped in that manner. I wish not to get the Federal Government involved, but I take my credit very seriously. If you have an individual at your bureau, going into my file, and conducting illegal reporting, especially pertaining to my addresses and personal information, I will not hesitate to contact the proper authorities as I do not authorize such individuals to do such things. There have been no changes with the exception of positive reporting, and I would ask that your bureau do a thorough investigation into this matter, as I do not wish to file a lawsuit. My score is not XXXX. <P/>I also opened an investigation on XXXX XXXX XXXX more than 30 days ago, that has yet to be addressed and removed. The other bureaus have removed the fraud collection, but equifax took way too long to remove it. I am in the process of trying to rebuild what so many have tried to ruin, along with my credit, that I was able to salvage from all of the identity theft, and other criminal acts that are being investigated. <P/>I also had a huge concern pertaining to my personal data being released to people who had no authorization to view it, or obtain any information, sale or trade anything pertaining to myself on my credit file. I attached a protective order validating that fact. It seems as though someone within that bureau has been trying to manipulate my credit report and it 's scoring, and that is illegal. Please see the attached protective order requesting this bureau and the others, discontinue with the sharing of my address information publicly as it violates a legal Court Order.
<P/>
For Example, XXXX XXXX reported to the bureau that the account was up to date on the XXXX, and then on the XXXX as you can see, someone went into the bureau system, and possibly manually adjusted the account and stated it was 60 days past due with a balance of XXXX owing and it was n't. Someone went back into the system today, and adjusted it to say 30 days past due {$300.00} when the account is not past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not
Product: Credit reporting or other personal consumer reports

This bill was put into my name and incorrectly reported on my credit report. I have notified the company as such to no response. I advised them per XXXX code XXXX, they involved a credit collection agency and I did not agree and do not want communication with said company EASTERN ACCOUNT SYSTEMS. I have written them to let them know the debt is not mine and I do not wish to communicate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Central Mortgage Company ( CMC ) can not process my payment correctly. My monthly payment is {$3100.00} due on XXXX of month. I made XXXX separate payments from XXXX checking accounts, XXXX for {$2000.00}, the other for {$1100.00}, so the total adds up to my full payment. Both payments arrived on XXXX/XXXX/2015 on time, but CMC returned my payment saying it 's partial. The check they sent me for the returned payment is the full amount of {$3100.00}. I called them, and they 've confirmed their system ca n't handle the XXXX payments if they are separate even though both arrived on the same day. I do n't think their payment processing is up to the standard. It completely does not make sense to return my full payment in XXXX check and saying it 's not a full payment.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SANTANDER CONSUMER USA 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 consume r reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateThe account was paid in full. I don't owe them any money. I paid them there {$170.00} on time. It was never supposed to be listed as a repo. Now this is ruining my chances of getting a new car.
Product: Vehicle loan or lease

I purchased the vehicle for XXXX and put down XXXX cash the amount Santander is saying I owe is incorrect I should not owe anything
Product: Mortgage

My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name 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 XXXXXX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer Reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

XXXX has refused to recognize my XXXX XXXXXXXX XXXX status as determined by the XXXXXXXX XXXX XXXX, despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported XXXX accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX University XXXX XXXX  XXXX XXXX ( my bank ) sent me an alert because TransUnion dropped my credit score by more than XXXX points in a single day. It would appear that either the NCRAs or XXXX ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

TransUnion has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other XXXX, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three XXXX reports, though all three XXXX agencies are also reporting " XXXX delinquent accounts ''.
Product: Checking or savings account

I opened an account at a local Bank of America in XX/XX/XXXX. I began asking for an ATM card once the 30 day temp card was expired. I placed 3 request for a card over the course of a month and never received a card. On XX/XX/XXXX I sent another email to my bank representative XXXX explaining that I was leaving the country and needed access to my funds. She reported she would send me a card express. The card never came before I left and i sent her an email stating this. Once I reached XXXX, I received a text message from the Bank of America saying there was an attempt to use my bank card at a XXXX XXXX on the XX/XX/XXXX and I immediately replied NO as the text requested if I was not the individual making these transactions. I also called the bank at XXXX and told them to I was in XXXX and this was in no way me. The representative asked if I wanted another card sent to me and I asked that he stuff the account down and I would handle it when I returned to the country. Upon returning home I immediately went to the bank. I was told to file a claim I told them I did that with the first representative on XX/XX/XXXX. They had no record so I filed another claim. I then returned home and opened my mail. There was a letter in the mail from the US Department saying I had been a victim of a crime and three individuals were caught with my information. I immediately went back to the bank and offered XXXX a copy of the document from the government. The bank told me I would have resolution in 10-15 days ( XX/XX/XXXX ). This day came and I was not given my funds back ; I was given another resolution day of XX/XX/XXXX. I went to the bank again today XX/XX/XXXX and I was told I would get resolution in another 30 days. This is unacceptable behavior from this institution as I have done everything they have asked of me and yet my funds have not been returned and this is going on a 3 month episode.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Errors on Credit report being reported by XXXX Hello, Below is Equifaxs description of a charge-off. 
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. 
On my credit report the following accounts are listed as charge off but are paid in full according to an agreement with each of them from credit counseling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent Equifax proof of the agreement and the payments for each from the dedicated payment account. Even with proof all of the above accounts are still listed as charge offs. By the definition of charge off the account is not a loss and can not be sold to a collection agency as it is paid in full by agreement thru credit counseling ( before it got to this point ). This has caused me to be denied a business loan and a home equity loan as they think that I still owe money to each creditor. 

Please update the status of each to paid and closed and the balance to XXXX. 

XXXX XXXX
Product: Debt collection

On XXXX XXXX of XXXX, OneMain Financial sued me in XXXX XXXX Alabama. The plaintiff 's lawyer, XXXX XXXX and XXXX claimed that I owed {$13000.00} on an original {$10000.00} loan that I had become late on and was making partial payments monthly. During that hearing, a consent judgement was completed in the amount of {$7300.00}. This motion is based upon the Defendant ( me ) admitting owing the Plaintiff ( OneMain ) the amount claimed. Defendant agreed to pay {$1700.00} on XX/XX/XXXX and 16 monthly payments of {$320.00}, with one final payment of {$360.00} until the balance is paid in full. Payments were due by the XXXX of each month. Plaintiff agrees to delay execution as long as Defendant pays as agreed. 

In XXXX of XXXX, I completed the payments in full. Yesterday XXXX XX/XX/XXXX, a process of Garnishment arrived to claim an additional {$7000.00} from my employer. 

I am considering making formal complaints to the XXXX XXXX court about OneMain and XXXX XXXX and also want consumers to know that this company OneMain Financial does not keep agreements, in or out of court.
Product: Student loan

In XX/XX/2019, I was threatened by Navient with litigation in regards to past due student loans. I had been unable to pay as I became XXXX on XX/XX/2019 up to present day. I have not qualified for XXXX insurance benefits. Navient was informed of this but still said my only option was to enroll in the same rate reduction program that I had been in before in order to drop litigation. My payments were only reduced to {$490.00} monthly, there was no option for forbearance or deferral offered to me, I was only allowed to split the payment biweekly to {$240.00}. A customer service representative and manager spoke to me regarding the loans and told me that by agreeing I would be brought current on my loans after the last XXXX payment. I agreed to the amount and have struggled to make the automatic payments that they required. However, I have still received multiple emails saying that my payments are past due. I called today to report this and I was told -- by supposedly the same representative that enrolled me XXXX -- that my payments would be brought current after XXXX and is still being reported as past due, even though I am current in the program. I'm also still being charged late fees that are not being paid as part of my automatic payments and instead are rolled into the loans ' capitalized interest and principal balance. Please investigate these business practices as they seem to be unfair, unethical, and very restrictive to the borrower. Also, within this program, Navient seems to be making money off of fees as they force borrowers who are struggling to pay to enroll in order to become " current '' on loan payments. The interest increases long term and is capitalized into the principal. In the period between enrolling in this program and becoming " current, '' the borrower must make automatic payments but is still being charged late fees. Please investigate these business practices and please resolve this payment issue with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX  XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX  XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
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 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: Credit reporting, credit repair services, or other personal consumer reports

Covington Credit is reporting a charge off account on my credit reports with a balance of {$720.00}. Note, charge off. Covington Credit charged off the account and sent /sold the account to another company, XXXX XXXX XXXX XXXX who is sending me letters for the same account and same balance {$720.00}. This company started sending letters in XX/XX/2021 so Covington Credit has had plenty of time to correct this on my credit report, but they have not. See the attached documents. Covington Credit is in violation of the Fair Credit Reporting Act. They can NOT report an account with a balance that has been charged off and sent/sold to another company. I have disputed this account multiple times and it is STILL on my credit reports with this balance. Again, see the attached documents showing the account with the balance on my credit report by Covington Credit and also the collection letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, CAPITAL ONE add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.