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

Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The XXXX account has been removed from my XXXX credit report but remains on both XXXX and Experian. XXXX XXXX remains on my Experian credit report. XXXX XXXX account has been removed from XXXX 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past the 7yr statue of limitations which I was not responsible for. 

I have been disputing these accounts for 4 yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against XXXX, XXXX, Experian, XXXX XXXX, XXXX and XXXX XXXX  for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.
Product: Debt collection

Fraud debt collector. Repeated daily phone calls blocked by XXXX. The phone number from this fraud is XXXX. I do Not owe any debts, & this phone # has been reported as fraud. I want these people caught!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Student loan

XXXX has submitted late payments to the credit bureaus which were not intact late. Rate reduction program was in place. And the loan was with XXXX. This issue was resolved with XXXX  and now it has occurred again. Causing my, and mo co signers credit to drop over XXXX points while we are searching for a new home. Late payments need to be removed as it is not true. The predatory lending practices are continuing. I am not not even able to log in online to review my payments.
Product: Debt collection

EXPERIAN credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Credit reporting

i disputed item is showing as a tax lien judgement and has been paid for years and shouldve been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax back in XXXX that an account was on my credit file that was not mine and did not belong to me due to identity theft. I provided legal documentation in XXXX to support this claim, the account was investigated by equifax and determined to be fictitious. The account reappeared on my credit profile in XXXX. I then notified Equifax that this account was in fact not mine and that it had been previously investigated by the and determined to be fraudulent. I provided the documentation that was use din the XXXX dispute as well as new and updated information. I have submitted multiple disputes even provided information that shows where the other bureaus had done thorough investigations and even re-investigations that showed and supported that this account was in fact a fraudulent account. Equifax have not properly re investigated nor removed the frivolous account that is reporting from XXXX XXXX from credit profile. They have violated the FCRA by reporting frivolous information in my profile.
Product: Mortgage

My mom had XXXX recently so I got a forebearance from my mortgage company so I could go home and take care of her. She passed in XXXX. I then found out I had XXXX so I extended the forbearance until XXXX. 

The loan servicer, Lakeview Loan Servicing, told me I could get a deferral on the forebearance and they would send papers. After a day I realized that the cosigner of my mortgage had passed and that would affect paperwork, so I immediately sent his death certificate to the company, who acknowledged receipt. They said they would draw up new papers. 

In the meantime a packet of papers arrived with my cosigner 's information. I called the company, who said they would send corrected documents. 

Two weeks ago a new packet arrived, but with my cosigners 's name STILL on it. 

I called and complained and was told by their loss-mitigation dept that a supervisor had looked at my case and would be expediting the paperwork. 

I called today and they said that it would take another 2-3 weeks. In the meantime they keep sending me warning notices, and just sent me an email saying my deferment deal was no longer on the table. On the phone they said to ignore those notices as apparently one side of the business doesn't know what the other side is doing. 

I suffer from XX/XX/XXXX, and this affair has increased the frequency of attacks to nightly occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership they told me they were going to only pull credit from XXXX XXXX. However, i have a bunch of inquiries on my report that i didn't authorize. Inquires not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

EdFinancials has supposedly moved to a new portal and requires all borrowers to create a new account. Interest starts accruing today ( XX/XX/23 ) but I still haven't gotten a new account login. EdFinancials advised not to make any payment UNTIL the transfer is complete. 

It is unfair that I will be getting interest accrued without the ability to sign up for an account or make payments for it. Their way of handling this situation is very unprofessional, and unethical. 

I've emailed them, called them, and filed complaints on Studentaid.gov to shed light on this issue.
Product: Credit reporting or other personal consumer reports

Per cfpb complaint XXXX The account that was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/year>2024 but was recently reopened on XX/XX/year>. I've filed XXXX disputes with Equifax, XXXX complaints with cfpb ; I've spoken to multiple XXXX  and XXXX XXXX employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/year>2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the XXXX XXXX and XXXX accounts to both report high balances on my Equifax credit report. As a consumer who pays my bills on time, this is affecting my credit score.
Product: Debt collection

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX XXXX XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called XXXX XXXX XXXX XXXX stipulates that they purchased the debt from XXXX NA at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that XXXX can not collect, they sent the collection to a new collection agency called Stoneleigh Recovery Associates. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX XXXX XXXX XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as XXXX to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX XXXX. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.
Product: Debt collection

I received a called from advanced financial 24/7 on a sunday which is my religious day off trying to collect a debt i told the caller it was sunday and she still continued to try to collect completely disregarding my peace. And disturbing me on the Lord 's day so i hung up. The call was completely disrespectful. Not to mention this situation has already been addressed and has a case already with The CFPB in regards to my payments i have digital reciepts attached establishing that my payment went through ( see attachments ).  This is not the first time they have called me and each time it was from a different number. Which is deceptive because i received the loan in the area code of XXXX but im getting calls from SC and CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX {$17000.00} In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The credit bureau stated that my account was properly investigated but how is that possible when no prove of my signature was sent me in regards to this company. Also the account opening dates are inaccurate. This is grounds for removal they also violated my rights under 15 U S C 1681 Section 602 states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish a account without my written consent.

Also states that this item was sold to another company, in which I still have no proven obligation to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan on XX/XX/2020 and was notified that an account was showing on my credit that was reflecting 4 times delinquent and was really hurting my credit score and causing the cost of the loan to be significantly higher. I had no clue who the creditor was, I got all the information on the debt that was reflected on the credit and called the company. 

The company reporting is SYNCB/Care Credit. 

I called the company on XX/XX/2020 and after they researched my social, date of birth name and address they confirmed they have NO RECORD OF ME AT ALL and that I have NO connection to the account or the poor marks they put on my credit. 

I requested a letter stating this, they said no. I asked them to please correct the credit report and they told me no, they would review this in " credit committee '' and would decide after that how to proceed. I explained they had verified I have no relationship with them and I needed this corrected, they didnt care and would correct the negative marks on my credit that will cost me additional thousands of dollars on my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to temporarily lift freezes on my credit with all three credit reporting bureaus so I can apply for a mortgage. XXXX  and XXXX  were super easy. Equifax is still XXXX  me to this day. I have been on the phone for hours attempting to unfreeze my credit. I am getting nowhere and just getting excuses from Equifax. Their automated verification system is complete garbage. It pulls spurious and irrelevant references. Their website is down. The people in the foreign phone banks are rude and condescending. It should not take an act of congress to temporarily unfreeze my credit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

Accounts : Self/Lead-XXXX Selfinc /Lead-XXXX
Product: Mortgage

Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate inquires listed on my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery associates took my money after paying off my debt to them XXXX years ago, sold my account to another XXXX party and Now i still owe and outstanding debt. My only negative debt on my credit history that has been taken care of still reflects and tarsnishes my credit. I had XXXX accounts with them. XXXX was paid off on XX/XX/XXXX and it is paid fully the other paid off XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Product: Credit card or prepaid card

On XXXX XX/XX/21 at XXXX XXXX, I received an automated call from XXXX advising me that my XXXX credit card had been charged {$700.00} from a location in Ohio. The message instructed me to follow various teleprompts if I disputed this charge. I immediately ended the call and contacted a customer service representative via the number on the back of my credit card who notated my account and later sent an e-mail providing this hyperlink.
Product: Mortgage

As mentioned in my previous complaint, M & T Bank makes it criminally difficult to pay specifically the principle amount for variable rate XXXX Despite physically going to the bank as directed ( specifically within the XXXX day window following the interest payment due date -- which is heinously short ) after satisfying the interest payment, my {$8000.00} deposit was instead applied to my fixed-rate mortgage ( despite ensuring the account number on the deposit slip was correct and verbally confirming multiple times with the teller ). My {$8000.00} payment needs to be put towards the variable-rate XXXX loan I have with M & T and NOT to the fixed-rate mortgage I have. This issue needs to be corrected immediately. It is clear that M & T Bank is either criminally negligent or is nefariously trying to take advantage of customers by making the payment process impossible.
Product: Debt collection

The law that applies to charge-offs in credit repair falls under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S. Code 1681c ( FCRA ) - This states that charge-offs must be removed from your credit report after 7 years from the date of the first delinquency.

15 U.S. Code 1692e ( FDCPA ) - This prohibits debt collectors from using false, deceptive, or misleading practices, including misrepresenting a charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified LexisNexis that they illegally obtained and furnished data to XXXX  in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! 
I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according XXXX XXXX Final Rule XXXX ( b ) ( 4 ) -5 -- XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ).