23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to address my concerns regarding accounts reporting on my credit report. I sent a CFPB complaint XX/XX/24 which Experian still has not responded to. I sent a dispute letter last month which I will attach to this complaint which is dated, and time stamped. I also submitted a XXXX complaint which I will attach. If the following accounts are not removed within 7 days, I will be filing a statement of claim with the intent to sue Experian. Please see the attached documents and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX Until this day I have not received anything from Experian while XXXX and XXXX have updated this account to paid as agreed never late. I informed Experian that my payments were deferred due to covid, and I was covered under the Cares Act. XXXX XXXX XXXX I do not have an account with this collection agency This is account is past the statute of limitations and uncollectible. You are also reporting the incorrect date last active and have re-aged this account which is a violation of the FCRA.
Product: Debt collection

The collection agency misrepresented a debt charged off in XXXX as a new debt closed in XXXX and then reported it to XXXX reducing my XXXX XXXX. I disputed report thru XXXX and credit agency " verified accuracy of report. '' I provide proof of inaccuracies provided to me by original creditor ( Chase credit ) to XXXX and Collection agency and was told they would only remove report if I paid {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report " XXXX '', an account that they confirmed has already been deleted from my credit profile. I have the paper documents from Equifax as well as the confirmation # from the initial dispute results THAT SPECIFICALLY SAYS " THIS ITEM HAS BEEN DELETED FROM YOUR CREDIT FILE ''. 


Equifax Dispute Confirmation # : XXXX
Product: Consumer Loan

The payments on my loan are supposed to be slightly lower as I was supposed to have an additional XXXX down, the sales manager at the dealership was trying to pocket the money for himself so was unable to do so. I purchased the vehicle on XXXX XXXX, the sales manager said I was putting a total of XXXX down but would only show XXXX and to give him the XXXX difference in cash. I realize this is not an error on end of BMW Financial, however, they should be willing to adjust payment amount if I can put the additional XXXX down as planned. Complaints have been filed directly against dealership, BMW of XXXX XXXX, directly however, not resolved. The XXXX ( XXXX ) has a complaint against them. The sales manager, XXXX, is a very shay individual and was trying to get me to give him XXXX in cash for his pocket and told me not to tell anyone as we 're supposedly " blood brothers ''. My intent was to put XXXX down towards the loan payment
Product: Credit reporting or other personal consumer reports

Per my previous CFPB Case # : XXXX In which I disputed the following accounts that are inaccurate : 1. ) XXXX XXXX - Account Number : XXXX. 
2. ) XXXX XXXX - Account Number : XXXX. These accounts are not complete and are still showing as inaccurate. Also, accor

ding to 15 USC 1681s-2. I disputed this account and nothing was sent to me to legally verify this account.

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit card or prepaid card

On XX/XX/XXXX a suspicious charge was made on my XXXX XXXX XXXX XXXX XXXX XXXX Master Card for {$1500.00} at the XXXX XXXX XXXX Store in XXXX XXXX Florida. I was contacted by Barclays Bank that services this card as to whether this was my purchase and replied no, I am on XXXX XXXX, NY where I live and this is not a valid charge and my card is in my possession. Barclays Bank suspended my account and then investigated the purchase and on XX/XX/XXXX sent me a letter claiming that this activity was valid and reinstated the {$1500.00} charge to my account. Since then I have made numerous phone calls disputing this with Barclays Bank an not getting any resolution. I have filed police reports and reached out to the XXXX store to get surveillance tapes but the police needs to request this. So I am at a loss and do not know what else to do.
Product: Prepaid card

Account Number : XXXX Total Amount Lost : {$2100.00} Date of Discovery : XX/XX/year> Summary of Incident : Unauthorized transactions were detected on my Brinks account, leading to a total loss of {$2100.00} Ive already reached out to the institution, as well as disputed the incident with the IRS, FTC, the credit bureaus. Im also working with the identity theft specialist for resolution as well as Brinks customer service team.
Product: Bank account or service

My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare
Product: Student loan

I started paying on my student loan in XX/XX/XXXX. I had one loan in the amount of XXXX which I paid on while I worked. I took three deferments year long deferments and I took a couple of deferrments 6 months or less. I returned to school and took out a second student loan for my XXXX XXXX which was about 17,000 for one year.I took this loan out in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I have paid on these loans over the years and they keep going up instead of down. I owe more than I did 20 years ago. I pulled a payment history which indicated that nothing in 20 years had been applied to my loan. I am a XXXX XXXX XXXX  and I should have qualified for XXXX forgiveness over the years, but they kept changing the guidelines and I never qualified for anything. I have XXXX for 24 years in XXXX XXXX, which 8 of those years were title one schools. I feel that I am entitled to loan forgiveness and I would like to see my orginal loan document because I started with XXXX with a 3 % loan. They turned me over to a loan servicer who immediately jacked up the loan to 6 % without cause. I got behind so I went online and made the payment yesterday to bring the account up to date, and I received an email today saying that I still owed these payments. I checked their data base and looked up payments and it said the payment was pending. Maybe. I am XXXX years old and I can't keep making student loan payments uinless I keep working.
Product: Money transfer, virtual currency, or money service

I purchased a product from XXXX through PayPal which turned out to be a scam. The seller admitted to it being a scam and promised a refund. After waiting months I never got a refund or response so Im requesting a chargeback. I have proof of this as well. I made 2 transactions for XXXX usd or XXXX cad. 
Transaction IDs : XXXX and XXXX Proof contains both our emails
Product: Student loan

I have submitted my application for the Public Service Loan Forgiveness program as I have completed my required 120 on-time loan payments while being employed by a qualifying PSLF employer. I submitted my initial Employment Certification Form in XX/XX/XXXX XXXX and soon afterward I received correspondence that only 118 of 120 necessary qualifying payments were tallied. Per my account on the Mohela website, all payments made since XX/XX/ are listed as " Eligible '' payments, however they have not been included in the payment count as they are marked as " Employment Not Certified ''. I have made multiple phone calls to Mohela while waiting on hold times averaging 80-90 minutes to speak with a representative. On my initial phone call in XXXX, I was told " Allow up to 90 days to process your request. '' After the 90 days transpired, I made another phone call during which the representative told me " You need to submit another Employment Certification Form ''. Another ECF was submitted on XX/XX/XXXX, with no response, and my payments made in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for a total of XXXX ) would bring my qualifying loan payment total to 125. My frustration lies in the fact that the company refuses to recalculate my qualifying loan payments and process my application for loan forgiveness in a timely manner. In the meantime, I have made XXXX extra monthly payments at over $ XXXX which is an exorbitant amount of money to be spending on loans for which I have qualified to have forgiven per the requirements of the PSLF program. I would greatly appreciate any and all assistance to get this matter settled.
Product: Debt collection

Accounts keep appearing on my credit Report that has been previously removed and or have not been validated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX  partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

This debt was transferred to another collection agency and I made arrangements with the to pay it of. When I found out this item are been out to another agency I was surprised and made arrangements with them to pay bill. It was pain.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission.

Please remove the following inaccurate information : US Bankruptcy Court Account Number XXXX. 
US Bankruptcy Court account number XXXX. XXXX states, that they verified this. How when the last time it was updated was XX/XX/XXXX? It's XXXX. Delete. 
US Bankruptcy account number XXXX. XXXX states, that they verified this account. How when the last time it was updated was XX/XX/XXXX. Delete. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX & XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Standard Mortgage Corporation reported the XX/XX/year> Mortgage payment as late. It was paid on XX/XX/year> ( to be processed on the same day ) and cleared my checking account on XX/XX/year>. This information is appearing inaccurately on XXXX for XXXX XXXX and XXXX for XXXX XXXX. Attempts to dispute with the bureaus were unsuccessful because both are stating the information was verified as " accurate ''. I contacted SMC personally and they refuse to update with the bureau. I have reached out to my loan office XXXX XXXX as well as the Customer Service Department, but none would correct the error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loans from XXXX XXXX XXXX XXXX XXXX  account number XXXX with a balance of {$420.00}, XXXX XXXX XXXX XXXX XXXX  account number XXXX with a balance of {$5200.00}, XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX account number : XXXX with a balance of {$3800.00}, XXXX XXXX XXXX OF XXXX acct # XXXX with a balance of {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5200.00}, XXXX XXXX XXXX XXXX  XXXX acct XXXX XXXX with a balance of {$3400.00}, XXXX XXXX XXXX XXXX  XXXX acct # XXXX with a balance of {$1300.00} XXXX XXXX XXXX XXXX XXXX  XXXX acct # XXXX with a balance of {$10000.00} XXXX XXXX XXXX XXXX acct XXXX XXXX with a balance of {$5700.00}. Accounts from XXXX XXXX acct # XXXX with a balance of {$1200.00}, XXXX XXXX XXXX  acct # XXXX with a balance of {$28000.00}, XXXX XXXX XXXX XXXX acct # XXXX with a balance of {$3900.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have no clue where this debt came from this debt is not mines i need this debt remove as soon as possible
Product: Mortgage

Complaint : Our mortgage loan has a XXXX and XXXX. The loan originated in XXXX, and we did not receive invoices for the XXXX loan. The original loan amount of the XXXX was {$39000.00} and was a HELOC. In XXXX we began receiving bills for the XXXX. After we inquired about the invoice received we were told that a revised bill would be sent that showed how much we had to pay. The following invoices now reflected a balance of {$82000.00}. My question is " why did we not receive any invoices for the past XXXX years, late notices, foreclosures, etc ...? '' A few months later the servicer announced that the account had been sold and a new servicer took effect in XXXX. That new servicer " coincidentally '' is now the same servicer as our XXXX mortgage. 

We requested a loan payoff quote and received XXXX indicating the total to pay off the loan amount is {$82000.00}. Why then are we having to pay interest on the {$82000.00}, and additional interest on the {$39000.00}? Yes, we pay XXXX separate payments. 

We believe the servicer has not followed the law from the inception of this loan. In addition, we believe the law has been violated in the appropriate notices being sent to us. XXXX, we believe the law has been violated in the appropriate documentation not being sent to us in the correct amount of time as the law requires. Many more are the negligence and violations and lack of respect for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  {$54.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX  XXXX XXXX {$3000.00} Bankruptcy {$0.00} Discharged CH-XXXX There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed and Bankruptcy was never filed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Payday loan

I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me
Product: Debt collection

Credit Managment Company is harassing and trying to collect a Debt that is already paid. This account is Already prepaid and was paid to the bearer ( XXXX ). under the UCC 3-603 UCC 3-104 UCC 3-306 without recourse XXXX in the amount of XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX. so double the amount was paid, by it already being prepaid that All Accounts are prepaid. CMC illegally obtained my Social security number without my consent in violation of 18 USC section 1028 ( buying and use of social security number ). XXXX sold my social security number to XXXX, without my consent. in which is a violation of 15 U.S.C section A section 2 states i have a right to privacy.
Product: Checking or savings account

I disputed three charges on my account and they put my account on hold and theres been on hold for three weeks now they just let me know that theyre gon na close my account and have told me or gave me my money thats in the accounts.
Product: Credit card or prepaid card

XXXX automatically enrolled me in a credit protection program when I first signed up for the card. I had no idea this program existed and that there was a fee attached after all these years. We were using our card often until the balance started to increase and I decided to stop making purchases to pay it off. its been 2 years and the balance continued to increase instead of decrease. That's when I noticed the additional fee. XXXX $  per every {$100.00} spent on the card. I called to end this program immediately and they said they would stop it and put in a refund request since I had no idea. Customer service was very rude and they ended up denying my refund. I have probably been charged over XXXX since XX/XX/2012 with these fees alone.