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

We have disputed the late payments that Ally bank has been continually reporting incorrectly to the Credit bureaus who have continued to keep reporting while we were in XXXXXXXX XXXX bankruptcy even though we have disputed it more than 20 times in the past XXXX XXXX XXXX. 
We filed XXXX XXXX Bankruptcy on XX/XX/2020 : ( # XXXX ) Bankruptcy was dismissed on XX/XX/2020. During that time, Ally Bank continued to report late payments on account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late XX/XX/2020 payment late. 
During that time we were under the bankruptcy umbrella and according to law should not be reported. We have requested countless times for the late payments to be removed during and after bankruptcy and they continue to keep the information on our credit report. We are so frustrated and dont know what to do- thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX  - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX XXXX  - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX  - closed XX/XX/XXXX - {$3300.00} Grain Technology - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **
Product: Mortgage

Paymap Inc, aka XXXX, and the CFPB reached an agreement XX/XX/XXXX ( AP File # XXXX ) and was to send a check to those involved with their company during the period XX/XX/XXXX and XX/XX/XXXX. I fell into that period & received a letter stating they had sent me a check that I never cashed. This supposed check was never sent. I called the # on the letter but got nowhere & was told to go to the website and email them. Did that but again another run around and jumping through hoops. Had to call # again to get a claim #, then back to the email routine ( this is not just a simple email here, you have many layers to go through just to send them an email ). Did all this XX/XX/XXXX as the notice said all claims for a new check to be sent must be requested by XX/XX/XXXX, 8 days after I received this letter. Did everything they asked me and have yet to see any check ( XX/XX/XXXX ). It appears the agreement was not honored by Paymap initially and they are doing everything they can to dissuade folks from trying to collect on monies they agreed to pay. The Redress Administrator in XXXX XXXX, IA has been sent a letter regarding all the problems I have encountered with this check re-issue. This matter needs to be moved up the line from just a consumer complaint to a full-blown court decision that will force they to comply with the agreement reached and make restitution to those affected. I would also like to see copies of all the checks that were supposedly sent out along with addresses to verify they were ever sent in the first place. 

A copy of the agreement reached between Paymap Inc and the CFPB would be appreciated so we know what the settlement was and how it was to be administered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 
Removal of all incorrect or outdated personal information being reported on my credit file.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting

I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.
Product: Debt collection

I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.
Product: Credit reporting or other personal consumer reports

I was looking at my Transunion credit report and discovered a fraud collection account on my Transunion credit report. The account is XXXX in the amount of {$600.00}. I contacted XXXX and tried to dispute it with them but they denied me the account number and other information. This account was open up to attempt to do fraud in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XXXX/XXXX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( XXXX and Experian ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.
Product: Checking or savings account

Capital One bank offered to me to open a new account XXXX savings with promo code XXXX with requirements deposit account within 15 days up to {$100000.00} and hold it for 90 days and I will receive {$1000.00} bonus. I opened account on XX/XX/2023, deposited funds on XX/XX/2023, hold it for 90 days as required. I didn't receive any bonus until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX CO XXXX Date Opened XX/XX/2017 Balance {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts 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 violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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

After over a year of trying to dispute this I am at a loss. Portfolio recovery services still has fraud listed on my credit report. They have claimed to send me court documents which is wrong. No court documents were ever received with my name on them. I went to the court and explained all this. The court agreed. I have submitted fraud claims as Portfolio requested. Delivered the information as they requested. I want these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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: Credit reporting or other personal consumer reports

Experian doesn't adequately process disputes Experian doesn't remove or reinserts errors on credit reports Experian 's investigations are inadequate and biased Experian 's letters to consumers are confusing and incorrect Experian reinserts inaccurate information into credit reports
Product: Student loan

As of XXXX XXXX, 2017 I owe Navient over {$12000.00} and counting. Over the years I have had more than my fair share of bad luck. I suffer from XXXX XXXX, XXXX, and XXXX. I was never able to stay on jobs for long because of my condition. I have tried other ways to become financially independent by enrolling in XXXX XXXX last year. The program was free since I am a ACCESS recipient. I completed my course requirements this year and I 'm hoping to take my passion for XXXX far. I am on public assistance and I do n't get that much, and I have XXXX XXXX to care for as well. Every time I have been put on Forbearance, I was told that I would n't have to pay, yet I was n't informed that I would continue to accrue interest on my loan. Now I 'm worried that I 'll never get out of this hole that I 'm in. I did n't even have a chance to finish what I started because money ran out and I was told that I needed to take out another loan. Which my parents refused to cosign on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX Collection/Chargeoff XXXX XXXX  XXXX XXXX XXXX XXXX Late 120 Days XXXX  XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXXXXXX Collection/Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C1681 section 602A.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 in which i did not do an this is clearly a violation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized credit inquiries that were reported on my credit file on XX/XX/XXXX. Upon reviewing my credit reports from your agency, I discovered that several hard inquiries were made without my knowledge or explicit consent. This constitutes a violation of my rights under Section XXXX, which mandates that credit reporting agencies maintain accurate information and ensure that consumer reports are free from unauthorized actions. 
As a federally protected consumer, I'm aware that's you've assumed a vital role in assembling and evaluating information pertaining to me. XXXX makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which you've infringed upon without my lawful consent. Pursuant to 15 USC 1681, it is the purpose of the Fair Credit Reporting Act to ensure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! 
Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character! 
Your actions do not only violate the Fair Credit Reporting Act but it also violates the XXXX XXXX XXXX XXXX! Pursuant to 15 USC 6802, I've NEVER gave you or your nonaffiliated XXXX parties listed in this letter any form of lawful consent to share my nonpublic personal information! I'm ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than XXXX business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( 2 ) in accordance with my written instructions, my demands are as followed : As of XX/XX/XXXX, I noticed that the following unauthorized inquiries were made on my credit file : XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the FCRA XXXX XXXX Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2021 and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report without my consent or permission, repeat without my consent or permission.
Product: Debt collection

On XX/XX/XXXX, I was served a notice from Crown Asset Management LLC as ssignee of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Regarding a XXXX account with an account number ending in XXXX. 

The information displayed on the XXXX statement from XX/XX/XXXX is not my information. It has XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 

I have never lived at XXXX XXXX XXXX, XXXX, Ga XXXX. This address is no where in my credit profile. 

I do have a XXXX account ending in XXXX. That was originally owned by XXXX bank and was sold to XXXX XXXX. This account is current has been open since XXXX. 

This legal document has been filed with the Magistrate court of XXXX XXXX XXXX XXXX Georgia. 
1. It has never been presented to me to dispute until today as a notice to appear in court. 
2. It's not my account. My XXXX account is still active and in good standing.
Product: Credit reporting or other personal consumer reports

It's been longer then 30 days I did a debt validation with Harvest Association. 
I sent a certified letter..I dispute with credit bureaus. I don't kno what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Product: Credit card or prepaid card

I have paid off and had accounts with this Company and now they need a phone call from me @ XXXX XXXX to verify my identity at the same location for 26 years and no other accounts with Synchrony Bank are in default meaning all accounts dingy or joint are all paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian credit bureau that accounts had been open fraudulent in my name and they still have not remove the fraudulent accounts from my credit report. I submitted a police report, drivers license, social security card, bank statement, and a sign notarize affidavit form to Experian more than four ( 4 ) months ago and still no changes. I first notified Experian over 4 months  ago. I will like for the fraudulent accounts that do not belong to me to be remove as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

They closed my account, and did not show proof, just said I was gambling playing bingo which is a violation. I haven't done a thing.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX from Clay Cooley XXXX in XXXX Texas on XX/XX/2020 it was the worse experience of a lifetime. The sale person proposition me a favor since he sold me the car, the finance person said I had a maintenance agreement when it was time to get my Oil changed I found out I didn't have it. I cancelled the extended warranty for {$3000.00} it was not taken from the loan until XXXX. The {$3000.00} was applied as payments towards the loan, but the amount was never taken from the loan, so I'm still paying on it monthly. I purchased the Car {$27000.00} ( Trade in was added to the purchase price {$7000.00} ) I still owe {$26000.00} with monthly payments of {$540.00}. I tried to return the car within the 3 days and was told by the sales man I was not able too. He said to me and I quote " you come in here with a XXXX credit score no money down and expected lower payments ''. Just Rude! I have been turned down 30 times trying to refinance this car. Covid hit the next month and I was not able to move forward with the complaint, everything closed. I sent messages and no answers, I feel like I was taken advantage of. I went to get an oil change and was told I didn't have the maintenance agreement even though I signed into the program, what was included was {$1500.00} deal that helps you locate your car which when I signed the paper I was told it was of no charge. These people need to be investigated
Product: Mortgage

Hello, In or around XXXX of 2023, my Husband became Ill and lost his Job, we have tried to stay afloat, he later regained employment and asked Shellpoint mtg for assistance with deferring payments that are past due, we have an XXXX on the property that is being rented, we have provided Shellpoint mtg with all the necessary documentation that they required and asked for, and a letter of explanation. 

I Believe we are being treated unfairly and that the Mtg company is using this as a way to reposes our home. 

Today I received a letter from them stating that they could not assist us do to them not having a program available for the type of assistance that we require. all we are asking for is for deferred payments on the past due amounts. It makes no sense that they would not want to assist us. 
Please help