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

please oremove this innacurate date, this was a billing discrepancy. The bill was always paid 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 60 days past due date Worst Delinquency 60 days past due 60 days past due 60 days delinquent Balance {$6.00} {$6.00} {$6.00} Credit Limit {$300.00} {$300.00} {$300.00} Credit Utilization 2 % 2 % 2 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports with XXXX and notices my Honda Financial account is NOT on my report again!!!!! This happened last year one time and I had to contact Honda and your office and the credit reporting agencies to fix it!!! They claimed at that time that Honda had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is XXXX so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!
Product: Checking or savings account

I tried to log into my TD Bank account and notice that it said the information I entered was incorrect when I know for a fact that I put the correct information, so I contacted TD Bank and they told me to contact a branch to solve my issues, I had a negative balance in my account but I had 2 {$800.00} dollar checks that was already cleared and was supposed to be deposited on the account within 6 days, now I'm lost and trying to figure out how can I get my account reopened.
Product: Debt collection

Hi this original creditor XXXX XXXX They said I owe them an amount was charged off on for XX/XX/20 I know they trying to sue me and take me to lawsuit and even though I told them to not to call me the XXXX XXXX keep Contact them there not answering and I told him do not call me do not send me another talk to XXXX XXXX and before when I called them and they wanted to discuss this matter they never help me because I was sick and also I was not going to work because of the pandemic and I had XXXX  it myself and I am full time student but they did not help me and now they trying to sue me so please I am sincerely requesting since they did not help me please address this matter with them and also they reported to all XXXX and XXXX XXXX and XXXX and they put negative points and because of them I have no score Im trying to Refinance my car because Im paying so much interest I cant because there is a negative report against me will you please help me I am sincerely appreciate
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW DISPUTE - not duplicate.

This is now my 5th complaint on Experian regarding the XXXX preferred account listed on my report. XXXX  lists inaccuracies on my report. I have attempted to contact XXXX Preffered on several occasions but the phone number they list on my report of XXXX is a non - working number. I have tried mailing my requests for an itemized statement and proof of who used my information to sign up for the account. I mailed several requests to the XXXX XXXX XXXX but the mail is returned to sender. 

I have asked Experian to update the phone and address they list for XXXX so that I may gather information on who stole my information to get the account. 

However, once again, Experian completes their investigation and fails to correct the inaccuracies and at the very least, update the creditor contact information. 

I have also field a complaint with CFPB on XXXX  preferred and as I thought, XXXX ignored the complaint and has not even responded to CFBB. 

How can Experian continue to list the account inaccurately without using common sense and calling the number XXXX lists on the credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax never contacted me when they had a data breach and my information was effected by the breach this is a unfair practice for a company that monitors credit every consumer should have been notified of the breach to either have the opportunity to be part of the class action or have the time to protect their credit now my information is somewhere in cyberspace with anyone access to the information with a possibility of it being used now or in the future
Product: Mortgage

On XX/XX/2018 an offer was submitted to Mr. Cooper Short Sale department. After several attempts to inform the lender of the Condition of the Home and several Reports ( included in this Complaint for review ) the lender responded with a Misinformed opinion of the Condition of Value and Included the Existing Square Footage as addition Square footage and requested a Price of {$270000.00} for a property that is only worth {$180000.00} at best. We have an Independent HUD/FHA certified appraisal of our own included for the review but they did not consider it either. In their own words they mention the Contractors estimates could not be considered as the Broker is not a licensed Contractor and could not give an Value or consideration to the review. The Broker who conducted the BPO is only a broker and is limited to only recent Comparables in the area and also stands to Gain the Listing if and when the Property get foreclosed on. A very Suspicious Practice indeed. The Review that was sent back is Included for your oversight into this matter. Please assist in this case as all we are requesting is that an actual independent appraisal be hired to conduct an As-IS appraisal not a Subject to appraisal.
Product: Credit reporting or other personal consumer reports

The student loans are currently appearing on my consumer report which violate ; Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g. The privacy act form I signed with XXXX was also violated per 15 U.S. Code 6802 by XXXX sharing my transaction history without my expressed consent to third party companies in the form of " late payments '' appearing on my consumer report.
Product: Credit card

I was speaking with XXXX a person claiming to be a supervisor in the fraud department. After she verified whom I am, she called me " ma'am '', this is XXXX XXXX because of my voice. She then refused to remove the hold. Refused to get q supervisor. Refused to answer questions.
Product: Debt collection

Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 I went on XXXX XXXX to check my credit score when I checked it on XXXX XXXX it was reflecting on the Trans Union score that I have six missed payments on two of my accounts which I am an authorized user on I file a dispute stay into them that the payment History and calculation was incorrect Trans Union went ahead and delete both of my accounts which I am an authorized user on from my credit report this in return dramatically dropping my credit score almost 90 points I have gotten directly in touch with Trans Union asking them to fix the problem they blatantly disregard my request and refused to fix the problem I am in the middle of trying to purchase a home and this is affecting me greatly I really need some help and assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

ATTENTION DISPUTE  DEPARTMENT PORTFOLIO RECOV ASSOC. Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Student loan

FEDLOAN is not giving updated number of payments. FEDLOAN is not updating my account consistently with CARES ACT. 

- employment has been verified XX/XX/XXXX - fedloan is not counting payments until XX/XX/XXXX ( when consolidated, which limited waiver of CARES said is incorrect )- they are not counting my employment dates in XXXX and XXXX and XXXX of the recent year XXXX with last employer despite form from company - i want an accurate count which should be XX/XX/XXXX and expected payoff as of XX/XX/XXXX as I have been employed and had verified since XX/XX/XXXX and made payments every month until XX/XX/XXXX with CARES ACT taking over and attempted payments XX/XX/XXXX to XX/XX/XXXX but not full payments due to approved hardship ( which CARES ACT still states should count ) - FEDLOANS HAS ADDED MORE YEARS TO MY SERVICE NEEDED FROM 10 YEARS ( XX/XX/XXXX TO XX/XX/XXXX ) TO NOW REQUIRING XX/XX/XXXX!!!! 
- FEDLOANS HAS INCREASED SERVICE REQUIRED FOR XXXX FULL YEAR
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To Equifax To XXXX  To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Product: Vehicle loan or lease

I reached out to KIA Finance to see if they could change my due date. They informed me that they had processed a due date change in XX/XX/2021 and that I was only allowed one per calendar year. If that were true I am only 13 days from eligibility, but would have to submit late payment once again to process the change. I told them I understood that but has no control over how and when my household get paid and we are having to use all 10 days grace plus a few days in order to submit payment. This does not make us more than 30 days late for credit reporting purposes but it does incur feeds and the collection phone calls are unrelenting, late in the evening and also multiple times a day. I have never broken a promise to pay, and have also set up payments online in advance and they still will call nonstop. I am positive that once I tell them or promise to pay they must stop calling unless I break the agreement which I never have. I also asked for a month 's deferment if they would not change the date so at least we could have time to set the payment aside, they refused. The manager I spoke with was condescending and seemed to think that there was no issue. I am exhausted from trying to get any help, KIA seems to be very non-responsive and I am regretting ever financing with them if this is how they treat customers that reach out for help.
Product: Credit card or prepaid card

I recently found out that my credit score dropped over 100 points because Capital One decided to charge me a {$5.00} fee. I have never been charged a fee from this card. This is absurd. I have perfect credit history until this nonsense occurred.
Product: Credit reporting or other personal consumer reports

RE : Account # To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the XXXX and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my10th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$77.00}
Product: Debt collection

I asked them for verification of the debt since I did n't recognize the account and all they sent was a letter stating the amount without any type of break down or representation on what the account is. Then when I reached out to the actual entity that sold them the debt they sent me a break down of charges but I do not recognize because this is a fraudulent account. I have been a victim of many account and items opened and filed in my name which is why there is a fraud alert on my report now.
Product: Mortgage

I liked very competitive rate published by New American Funding on XXXX for an investment property I was buying in XXXX : Rate : 6.875 % with {$1600.00} in points and fees ) I called them right away on XX/XX/20 and got in touch with XXXX XXXX : Loan Consultant XXXX # XXXX XXXX C : ( XXXX ) XXXX O : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX had me apply online, ran credit check and said the loan rate will be approved by his manager. I filed application and uploaded all the required documents including sensitive information like my tax return, W2 etc. 

The rate still did not get approved in the system and I did not get any email. but XXXX told me next day that everything is good and rate was approved again. 

I had a 10 day contingency removal for appraisal. I called XXXX several times and texted multiple times. But he kept insisting that loan will be approved tomorrow morning and I was losing time on my deadline. 

Finally, on Friday, XXXX told me that loan is approved only with {$6300.00} in lender fees. This is way above {$1600.00} they committed earlier. 

I was running out of time and had no choice but to accept the rate which is what this company wanted to begin with. Fortunately, I was able to get lower cost from another company who honored the rates and fees listed on XXXX site. However, my rate was 7.125 % compared to 6.,875 %. 

I am still behind on my deadline and may end up losing this contract and my {$10000.00} XXXX.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXXXXXX 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 an 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 or other personal consumer reports

Ive called into all XXXX  credit bureaus to keep my credit locked and somehow the Fraudsters are still able to call them and get it unlocked. Experience notify me that my information is being linked on the dark web and by them, knowing that I would think they should go through the XXXX security measures for anyone to get in my account I have multiple hard inquiries on my credit report due to the Fraudster bank accounts and credit cards even been opened I have been notifying the credit bureau to keep my account locked with the double security even in my PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


expect that all necessary steps will be taken to rectify this situation promptly.
Product: Student loan

I asked for the full loan payment history in XXXX or XXXX of XXXX. MOHELA responded with a payment history dating back to XXXX of XXXX. My loan originated in XXXX. I called back and told them if the error and they said they saw that the loan info sent only went back to XXXX and the origination date of the loan was XXXX. They put in another request and on XX/XX/XXXX sent the exact same payment history dated as starting XXXX. MOHELA has taken off the option to respond via email from their website making phone calls the only way to contact them. Im still waiting for a full payment history. MOHELA is the only loan servicing company that has held my loan. This should not be difficult to get.