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

I've requested experian to update restore and correct late payments I've had 0 late payments they removed 3 late payments but thats all. Points lost were not updated still showing 6 late payments that is inaccurate I've givin experian copy of my contract payment. My payments are due frombXXXX I'm not late til XXXX after the XXXX of the months I've submitted bank statements paid my bank XXXX $ per hour to do a search submitted that that made 2 late fee fall off but thats all came of that. XX/XX/2023 payment still shows late when via contract it is not was not updated on late payment XXXX and XXXX XXXX from collections reported me late for XXXX when paid before payment date. That's there conspiracy to continue to add up false late charges. Late fee XXXX payment submittedXXXX showing XXXX late XXXX was updated so how was XXXX late receipt submitter. Please see Violation by XXXX she works in collection dept she XXXX and XXXX refers from collection at XXXX violated my rights they are taking my funds from a XXXX XXXX XXXX XXXX because I bank with a service credit union putting my routing and acct number from my service credit union to a XXXX XXXX XXXX XXXX making it untraceable allow them to make withdrawal and pretend payment not received one example of them submitted shows XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit bureau which caused emotional distress upon me and found inaccurate and questionable items on my credit report that Experian didnt make sure it was 100 % correct. I have filed numerous times and experian closing the investigation accusing me of the letter not being sent or authorized by me. I have sent over supporting documents to verify my identification such as my identification through the state and proof of address. 

In compliance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was approved for a XXXX XXXX dollar credit card from XXXX XXXX XXXX. From the first time I used the card I had problems. Whenever I try to use it I had to call in because someone would lock my account. Then navy federal closed my account with telling me why and still have not gave me any explanation on why they have shut the account out it 's been about 3 months now and I have yet to here anything on my account. Now they want me to pay money for a card that I was not able to use fully.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts ; ( Original Creditor : XXXX  ) XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Student loan

I currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.
Product: Mortgage

RE : GUILD MORTGAGE CLOSING FOR PROPERTY : XXXX XXXX XXXX XXXX XXXX FL XXXX I RECENTLY APPLIED WITH GUILD MORTGAGE FOR A VA LOAN : XX/XX/XXXX. I RECEIVED PRE-APPROVAL AND UTIMATELY RECEIVED CONDITIONAL APPROVAL ON THIS LOAN APPLICATION IN PROCESS. I HAVE FULLY COMPLIED WITH ALL INFORMATION & DOCUMENT REQUESTS REQUIRED OF MY WIFE & I, TO DATE. WE WERE DUE TO CLOSE ON : XX/XX/XXXX ISSUES AT HAND : I HAD NOT RECEIVED ANY COMMUNICATION / CORRESPONDANCE FROM MY LOAN MANAGEMENT XXXX ( XXXX XXXX ) IN EXCESS OF A WEEK PRIOR TO THE PLANNED CLOSING. AS OF XX/XX/XXXX, I NEVER RECEIVED ANY FORM OF COMMUNCATION REGARDING THE STATUS OF MY LOAN APPROVAL COMPLETION OR HOW TO PROCEED, FROM MY LOAN MANAGER. THE UNDERWRITER TEAM AT GUILD MORTGAGE ( CONSISTING OF THE UNDERWRITER-XXXX XXXX, THE UNDERWRITER 'S MANAGER AND THE UNDERWRITER ASSISTANT-XXXX XXXX ) TO DATE, I HAD ONLY RECEIVED COMMUNICATION WITH XXXX XXXX. ANY ATTEMPTS TO SPEAK DIRECTLY WITH THE UNDERWRITER OR MANAGEMENT ARE DENIED. I HAVE ONLY PREVIOUSLY RECEIVED STALLED OR VAGUE EXCUSES IN REPLY TO MY REQUESTS FOR STATUS UPDATES. NO REPRESENTATIVE FROM GUILD MORTGAGE HAS TAKEN THE TIME TO EXPLAIN OR ADDRESS THE HARDSHIPS IMPOSED ON THE PARTIES INVOLVED IN THIS CLOSING PROCEDURE OR HOW ANY POTENTIAL ISSUES/PROBLEMS COULD HAVE BEEN AVOIDED OR RESOLVED MUCH EARLIER ( 3-4 WEEKS AGO ) IN THIS PROCESS. 

I MADE MULTIPLE ATTEMPTS TO SECURE A TIME FOR ALL PARTIES TO CLOSE. THE CLOSURE DATE WAS POSTPONED BY ONE WEEK ( XXXX ) AND ULTIMATELY CANCELED BY GUILD DUE TO AN UNDERWRITER " DENIAL ''. XXXX XXXX DISCLOSED TO ME THAT THE MANY MISTAKES MADE REGARDING THIS APPLICATION PROCESS WERE MADE BY GUILD MORTGAGE. THE SELLERS RE-LISTED THE PROPERTY FOR SALE AND RETURNED OUR EMD. 

ON XXXX, I WAS PROMISED TO HAVE MY EXPENSES REIMBURSED TO ME ACCORDING TO THE GUILD MORTGAGE CREDIT APPROVAL CERTIFICATE GUARANTEE. AT PRESENT ( XXXX ), I HAVE NOT RECEIVED ANY REIMBURSEMENT OR BEEN CONTACTED BY A REPRESENTATIVE OF GUILD WITH THEIR INTENTIONS. FURTHER EXAMPLES OF THEIR UNPROFESSIONAL BEHAVIOR. 

OTHER NAMES OF INDIVIDUALS AT GUILD THAT WOULD NOT RETURN OUR CALLS OR EMAIL REQUESTS : XXXX XXXX, CEO GUILD MORTGAGE XXXX XXXX, ASSISTANT ( XXXX ) EMMY XXXX XXXX XXXX XXXX XXXX XXXX, STAFF ACCOUNTANT, SOUTHEAST ( XXXX ) XXXX XXXX, MANAGER ( XXXX ) AS A XXXX XXXX XXXX VETERAN, I HAVE NEVER EXPERIENCED THIS TOTAL LACK OF CUSTOMER SERVICE FROM A MORTGAGE LENDER OR ITS AFFILIATES. MY WIFE AND I WERE HANDLED UNFAIRLY, UNPROFESSIONALLY AND UNETHICALLY. THIS TEAM DOES NOT LISTEN TO THE NEEDS OF THE CUSTOMER. I WILL PROVIDE ADDITIONAL DETAILS UPON REQUEST. 

MY OBJECTIVE IS CLEAR : TO CLOSE THE LOAN ON THIS PROPERTY ( WHICH WAS TO BE MY PRIMARY RESIDENCE ) IN AN EXPEDIENT & PROFESSIONAL MANNER. TO RECEIVE REIMBURSEMENT FOR MY EXPENSES IN AN EXPEDIENT MANNER, AS PROMISED. 
PLEASE MONITOR AND PROHIBIT COMPANIES LIKE GUILD MORTGAGE FROM USING THESE BUSINESS PRACTICES WITH OTHER POTENTIAL CUSTOMERS IN THE FUTURE. 
PLEASE PROVIDE US WITH THE ASSISTANCE TO ACCOMPLISH THESE TASKS? TY!
Product: Debt collection

Exeter Finance is a car loan that was paid off by insurance due to an accident. They are still trying to collect charges they added to the payoff after the payoff was sent to the insurance company for payoff. This debt needs to be removed.
Product: Credit reporting

I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.
Product: Debt collection

On XXXX XXXX Home Depot called my number at XXXX XXXX. The call was automated stating " this is an attempt to collect a debt. '' This is a violation of 15 USC 1692 ( b ). I prompt to get a live operator on the phone and its a man. He wants to know if I was willing to pay.the debt. I told him what are you prepared to do if I don't pay. He replied by saying we will continue to call and charge late fees. Which is a violation which constitutes threatening language. I said are you telling me that I owe you this amount. A violation of 15 USC 1692 ( d ). I then asked him who gave him yo location information. He refused to reply. A violation of my right to privacy. 15 USC 1692. Finally he called me while I was doing business. A violation of my rights. I immediately sent this letter to the CEO of Home Depot it is the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The next time I receive a letter like this ( see attachment ) I will be filing my complaint to the FTC. These letters are discriminatory and negligent at the least. The fact that transunion does not believe that I'm smart enough to write my own letters and pursue invalidated items on my consumer report is irresponsible. The FCRA and FDCPA law books are Free on the internet for all to study. Does transunion get prior authorization from me ( the consumer ) before furnishing outlandish items on my consumer report without proper evidence that affect me and my family? NO. The letter they sent was not only confusing but it's discouraging to people like me that are being taken advantage of by debt collectors. I pray the CFPB takes a hard look at this and fixes it or I will be forced to file suit against transunion for discriminatory tactics that are against consumer rights and their own policies and procedures. I also received a letter specifically speaking about permissible purpose. In response transunion says and I quote Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. According to the FCRA it prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. If I specifically tell you as a consumer that a item was unauthorized that I do not have a relationship with or gained any benefit from and their was no written consent then you are not working in FACT as a CRA, you are working on assumption until the items are validated. In todays time with data breaches and fraud happening everyday anyone can acquire or pursue credit in my name and put negative notations on my consumer report. I want my right to dispute respected. Thank you.
Product: Debt collection

Armada Corp of Nevada is attempting to collection on a XXXX XXXX XXXX debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). XXXX filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

They always take like a week to have my deposit available, and they charge XXXX fee for overdraft almost the same day...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my Experian credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XXXX XXXX, XXXX - XX/XX/XXXX, Multiple inquiries and duplicate accounts, unable to login into XXXX for days. There were Attempts to open a bank account with XXXX; contacted the fraud section ; receive a charge to current bank account for credit services via Credit Karma, did not request ; reported to bank. Credit inquiries on Sundays with a car dealership. Sent images of the XXXX inquiries to Credit Karma from their platform ; still reflects accounts not under the bureaus. XXXX and Credit Karma has compromised my data. Also checked with check systems regarding correct information and filed a dispute. The duplicated accounts and inquiries hinders applications and increases debt an estimated {$20000.00} and its not. Fraud and freeze alerts were started on XX/XX/XXXX.
Product: Debt collection

I received a letter dated XX/XX/2019 from North Shore Agency attempting to collect a debt. The amount has been fully paid to the originating company and the check was cashed prior to this letter being generated. When attempting to speak to North Shore Agency on XX/XX/2019, their system hangs up on you if you don't select make a payment. This is a fraudulent attempt to collect a debit that isn't owed and the company clearly is only interested in trying to take the money not to cease illegal collection techniques.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  XXXX XXXX account XXXX, XXXX  XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX, XXXX account XXXX, XXXX  XXXX XXXX  account XXXX has violated my rights 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
Product: Mortgage

My hazard insurance was due to XXXX XXXX in XXXX. As soon as I received the bill I contact my mortgage XXXX to have it paid out of my escrow account. They mailed a check on XX/XX/XXXX and never followed up to ensure it was received. XXXX XXXX I received a call from XXXX that my policy was going to expire on XXXX XXXX if I did not make the minimum payment. After being on an extremely long hold period XXXX they told me that there was nothing they could do because they have no reason to follow up on the checks they mail. I told them to wire the money they owed now and they said they don't wire money and the only thing they could do was open an inquiry on the check which will take 5 business days. I have tried to contact them several times and  each time I called I spent over an hour on hold and never got a person to pick up the phone. XXXX XXXX tried to call them and got the same results. XXXX now owes me money because I had to pay my insurance policy to keep it. I have been unable to reach XXXX for three days.
Product: Vehicle loan or lease

Amount of loan XXXX XXXX they said I owe XXXX I never applied the got the wrong social security number but it's under my id
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Transunion regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of XXXX  and Transunion and XXXX Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. Transunion and XXXX are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus Wells Fargo was. For example. Wells Fargo Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - wells fargo has violated Fair debt collection practices act. - wells fargo has not given their method of verification as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Us Bank XXXX XXXX XXXX sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Product: Payday loan, title loan, or personal loan

I keep receiving calls from ( XXXX ) XXXX, from a Mr. XXXX XXXX regarding a loan that I did not take out, authorize anyone to take out, nor did I receive any such funds from this company.
Product: Checking or savings account

NOT A DUPLICATE!! What I was explaining in the first complaint was the CA State Law regarding wage garnishment. Attached is the court order ruling on my case. The judge overturned the wage garnishment and returned my money to me. Bank of America needs to return my fee.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

My name is XXXX XXXX. On XX/XX/2023 from about XXXX - XXXX, I was a XXXX store on XXXX XXXX XXXX XXXX to get a money order for my rent. I was trying to split the payment between two debit cards. My XXXX bank debit card and my dasher direct payroll card. At the first attempt, the transaction was declined because I needed to put in the exact amount on both cards. Before I had the cashier cancel the transaction to rectify the issue, I received a message from XXXX XXXX that the sum of {$630.00} the total amount of money I had on the card, has been deducted from my account. After the cashier cancelled my transaction, the balance on my XXXX XXXX card was restored however my dasher direct payroll card remained {$0.00} After calling XXXX and XXXX customer service to rectify the issue unsuccessfully, I decided to try the transaction again and it was declined due to insufficient funds on my dasher direct card. 
I spent the rest of the entire evening calling XXXX customer service and XXXX because they both kept on putting the blame on the other. While the store was at least able to tell me that it takes between 48 hrs for regular credit/debit cards and up to two weeks for other types of cards, the doordash agents insisted that they could not verify that because the transaction is seen as being " posted '' on my account. 
Please find attached copy of the receipt of the first canceled transaction that occurred at about XXXX.