23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct. 

At no time has the organization sent any supporting documentation proving this reporting. 

Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I disputed my on Experian public records two bankruptcies that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any bankruptcies on my XXXX report. Experian has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

XXXX, has also been contacted and filed disputes on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and has failed to remove the one bankruptcy.

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.
Product: Mortgage

Shellpoint Mortgage Servicing, on behalf of XXXX, is committing fraud. 

On XX/XX/XXXX we received two letters in the mail. One letter was dated XX/XX/XXXX ( see attached ) and told us that if we made a payment by XX/XX/XXXX we would be granted a deferment ( we are trying to exit forbearance ). 

The second letter informed us our right to a deferment was denied because we failed to make payment by the required date ( presumably XX/XX/XXXX ) Neither letter came with a time machine. 

I therefore believe Shellpoint, on behalf of XXXX, is committing fraud. They are writing letters dated for a time in the past, and sending out at the same time a letter denying our exit to COVID forbearance, presumably to try to force us into foreclosure or otherwise take a less desirable path to exit forbearance.
Product: Student loan

My mom cosigned a few loans for me through Navient, so that I could get approved to be able to go to college. We did it with the understanding that I can repay after graduation through an income-driven repayment plan. I only found out after I graduated that they base the income-driven plan off of both my husband and I, and my mother 's income. My mom does n't contribute a single penny to the student loan bills. My husband and I pay them. I called Navient to lower payments by taking my mom off as a co-signer so I can have lower monthly charges based on my true income. That was when I found out I need to have 12 consecutive months of paying each individual loan before I can take her off as a cosigner. Until then, they 'll always add her extra $ XXXX gross income a year onto our {$19000.00} annual income, resulting in double the amount due every month than what I can afford. Throughout the term of the loans so far, I 've had to defer them due to hardships and moving across country, but one time I did that, they said I could defer a loan for 3 months, but my charges came back a month early. I also found out after the fact, that deferring resets the clock so that I have to start the 12 consecutive months of payments all over again. So basically I 'm stuck paying double what I should be paying every month because they wo n't take my mom off as a cosigner, because they were n't honest up-front about what happens when you defer. They had falsely advertised about income-driven repayment plans by failing to mention in the beginning that even if your parent does n't pay the student loan bills, you still have to repay based on your parent 's additional income!
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

Transunion is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XX/XX/2012-XX/XX/2012 which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Transunion has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Transunion continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Transunion continues to disregard my dispute and going past allotted time to investigate and properly verify per FCRA laws I will be forced to file suit in small claims court for damages caused by the inaccuracies to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update on Inquires I found on my Experian and XXXX Credit Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my account at Arvest Bank In XXXX, XXXX XXXX was closed without evidence of the accusation provided to me and the notice I received on Monday had no clear explanation. the letter instructed my not to attempt to open any at Arvest and I am told thru a rep at the back that it was for multiple risks but no one can tell me what the risks are and allow me a chance to state my case. my case being i tried to use XXXX  for my bill pay but it wasn { t working so without i had to do a few transfers in and out of the account. There was nothing nefarious going on so I thought nothing of it. This may be the multiple risks they were speaking but no one has given me a chance to speak for myself. I try to be a righteous and upstanding citizen and very upset that my name can be disparaged this way. It appears to be some type of discrimination as well as typecasting
Product: Debt collection

RC/ Resurgent Receivables and XXXX XXXX are unlawfully failing to properly investigate my disputes and are not taking sufficient steps to intake, process, investigate, and notify agents about my disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on my consumer reports which is threatening my access to credit, employment, and housing. 

When I disputed errors on the account including but not limited to ownership, amounts, and/or identity theft on this report, RC/Resurgent conducted sham investigations rather than properly reviewing the disputes as required by federal law, dismissed my information and dispute and vindictively placed it on my credit report without my consent or telling me I had the option to opt out reporting innacurately, libelously, and/or reporting income which is a violation of law. These Credit reporting errors have had serious consequences for a familys finances.

Remove all fraudulent information which is being used to discriminate and/or hinder me and my family from progressing systemically. I DO NOT CONSENT to any unlawful or unvalidated reporting. Also, i demand that any inquiries found on my report by which I have not received benefit, funding, contract, or lawful agreement after which inquiry was made be REMOVED IMMEDIATELY UNDER PENALTY OF LAW. 

And I am to be XXXX XXXXXXXX for the unverified libelous report and an additonal XXXX per week added beginning 10 days after the submission of this report for every week that the unverified information remains on the report. Accepting and recieving this notification is an acceptance of these non negotiable terms if lawful action ( removal and payment ) and response is not recieved within 10 days after the receipt of this report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX I am writing this to delete the following information from my credit profile. The items that I am requesting to be deleted are listed in the report attached. I am a victim of Identity Theft and did not authorize the inquires listed. I ask that these Items be deleted and updated in order to correct my credit profile with accuracy and protect my consumer reputation. I have reported the theft of my identity to the Federal Trade Commission. Enclosed are copies of the FTC Identity Theft Affidavit. This inaccurate information has caused me to be denied by credit companies and personal loans. I have contacted the creditors and credit unions and have yet to receive any response in over 45 days I ask that per FCRA and FTC laws and regulations the accounts and information listed in this report be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated the FDCA s outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statements along with disclosure from section 1637 ( b ) this information was pursuant in good faith to rule 1002 and it was never provided which is unfair, illegal, fraudulent, bias and not equitable to me as a consumer and a secured party. 15 usc 1681a 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Overview Learn more 15 U.S.C. 1681, also known as the Fair Credit Reporting Act ( FCRA ), protects the privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also governs access to consumer credit report records and promotes accuracy and fairness,15 U.S. Code 1681c2 gives consumer reporting agencies the right to rescind or decline to block information about a consumer. This can be done if the agency determines the fairness of the consumer which the company XXXX XXXX and all credit bureaus did not give the consumer notice
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY REPORT IT SHOWS XXXX XXXX AND XX/XX/XXXXXX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX, I filed disputes on three items that were listed on my credit report as discharged in bankruptcy. I provided documentation regarding payoff of two of those items a Mortgage and a Heloc, and proof of ongoing items on the auto loan. Their investigation came back stating that the reporting was correct. So, I filed appeals, and was able to get to a bankruptcy specialist who reviewed my documentation for the HELOC and removed it from my report. After getting similar reporting from all agencies, I was confused. After much investigating, I found out that my attorney lied to me and that even though I signed reaffirmation statements and continued to pay on those 3 loans, they were included in the bankruptcy. I have also since found out that there is not much I can do other than to file a complaint with the Bar association against my attorney. 

I called Equifax today, XXXX, to see if I could find out if I had any other options, especially with the proof of paperwork from my bankruptcy petition, that listed these three items as exempt. The proof of the reaffirmation document, and the proof of my paying off two and continued paying of one. I also had read if anything I could make a statement on my credit report. It took me 20 minutes bouncing around the phone system before I was even able to get to a human. Then when I asked for a specialist, I went through the entire verification system, and then was told I had to use their link to verify my license and a picture of my face. The link worked for the license, but it would not take a picture of my face. It eventually kicked me out of that section of the verifying. At that point, the specialist told me that I would have to call back. I said it took me over XXXX minutes just to get to that stage and it's not my fault that the link didn't work. She then rudely told me that she was not able to send me a link again, and " since I ended it '', I would have to call back. I " did not end it '' the link wouldn't take the picture of my face. I asked if there were any other ways to verify my information as we were almost at XXXX minutes at this point. She said there was not. So I asked for a manager. She then claimed that her position is higher than a manager, therefore that is why I was sent to her. I then said, where do I make complaints about this as it should not be this difficult to get a human, let alone, when their system doesn't work, then it's too bad for the customer and they just need to call back. She then told me she could give me an address to send a complaint! This is ridiculous. I am already tremendously frustrated with trying to correct my credit reporting due to a lying lawyer, to then have this much difficultly just trying to get answers about options, and being treated rudely for something I have no control over, is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX, I opened up a US Bank checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$3000.00} or more into the account within 60 days. On XX/XX/XXXX, I made XXXX direct deposits for a total of {$3000.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account. Also, my account was charged a {$2.00} fee for receiving my monthly statement which was also unclear to me upon signup.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX.
Product: Debt collection

Franklin Financial XXXX has reported an account to my credit this morning, I was notified and called them. They have my current address and phone number but I have not gotten any bills from them. I asked them to provide me with proof they have sent me something and he had nothing to send. I spoke to XXXX XXXX at XXXX ext XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and misleading information being reported on my credit report for account XXXX by XXXX XXXX XXXX. After thoroughly reviewing the account details and the laws governing credit reporting, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws. 

The details of this account as reported are as follows : Account Type : Revolving Account Status : Derogatory Balance : {$0.00} Payment Status : Collection/Charge-Off High Credit : {$0.00} Credit Limit : {$10000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Comments : Purchased by another lender. Unpaid balance reported as a loss by credit grantor. Sold to : XXXX XXXX. 
Based on this information, I have identified the following violations : 1. Misleading Reporting of Account Status ( FCRA 1681s-2 ( b ) ) The account is being reported as a " Collection/Charge-Off '' while also showing a balance of {$0.00} and being marked as sold to XXXX XXXX. Reporting a {$0.00} balance alongside a charge-off is misleading and does not reflect the accurate current status of the account. Since the original creditor no longer owns the debt, the account should reflect its accurate disposition, such as " Sold '' or " Transferred. '' 2. Incomplete Reporting of High Credit ( FCRA 1681e ( b ) ) The " High Credit '' field is reported as {$0.00} despite the account having a credit limit of {$10000.00}. This is incomplete and inaccurate, as the " High Credit '' should reflect the highest balance ever owed on the account. 

XXXX. Conflict Between Payment Status and Comments ( FCRA 1681s-2 ( a ) ( 2 ) ) The payment status is reported as " Collection/Charge-Off, '' but the comments state that the account was " Purchased by another lender '' and " Sold to : XXXX XXXX. '' These conflicting remarks create confusion about the accounts status and may lead to incorrect assumptions by creditors or lenders. 

XXXX. Potential Re-aging of Debt ( FCRA 1681c ( a ) ( 4 ) ) The Date of Last Payment is reported as XX/XX/XXXX, yet the Date Last Active is listed as XX/XX/XXXX. If no payments or activity occurred after XX/XX/XXXX, the Date Last Active may have been improperly updated, which could extend the reporting period of this negative item beyond the seven-year limit allowed under the FCRA. 

XXXX. Lack of Transparency in Payment History ( FCRA 1681g ) The account 's payment history is incomplete and only reflects " CO '' ( Charge-Off ) for a limited period. The FCRA requires that credit reporting be complete and transparent. Without a full payment history, it is impossible to verify the accuracy of the accounts reporting. 

XXXX. Duplicate Reporting of Debt ( FCRA 1681s-2 ( a ) ( 1 ) ) If XXXX XXXX is also reporting this debt separately, it may result in duplicate reporting of the same obligation. This would constitute inaccurate reporting and a violation of the FCRA. 

Request for Resolution- Please remove this inaccurrate debt from my credit report it is false and misleading.