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

I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX  in Arizona because the company here in XXXX said it had ties to the XXXX  here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.
Product: Credit reporting

I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states that I have the right to privacy.

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX XXXX XXXX  Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX XXXX XXXX  Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.
Product: Mortgage

20 Yrs Mortgage. 240 payments at {$410.00} at 10.8 % Late payments, {$5.00} or 5 % after 15 days. 
Page 2 Line 6 of Contract, Simple Int. 10.5 % per annum until payed in full.

Payed all payments Plus {$5.00} Late fees. when late. 
DITECH now says we owe XXXX in Full. 
Ask for hardship Loan. denied. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX
Product: Money transfer, virtual currency, or money service

i have made 1 purchase thst over drafted my account so then I replenished it and made another purchase knowing my balance was positive. Later a withdrawal fee hits after I make another purchase wich I had anticipated to be exact change so thst threw off my calculations. Everytime I made a purchase I looked at my online statement thst it was positive. Later they hit me with about 5 over draft fees when every transaction I made was on a positive balance. Only when they charged an over draft fee did it change the statute.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my Experian credit report from XXXXXXXX XXXX that I do not recognize. Transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. Aso this is not reporting on XXXX on XXXX for this same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS RPT XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX TRUSTED ID/EQUIFAX ID Report XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System Hard Inquiries XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX thisXX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX
Product: Credit card

We've been having some issues with our Express card from Comenity Bank. First, our identity was stolen, and the thieves used our information to make online purchases. We reported the issue right away, and it was resolved quickly. However, we noticed that while we had a credit balance, but after that Comenity Bank claimed that we owed them money. We don't recognize the total amount they're claiming, so we messaged them on their website to file a claim. They acknowledged that we owed a smaller amount, but we asked for a breakdown of the total amount. Since then, they've been giving us excuses and asking for receipts, even though they have access to more information than we do. It seems like they're justifying the collection they're making without a proper explanation. And to top it all off, this has not been the only time someone has committed fraud with our cards with this bank - months later it occurred with a Victoria Secret Card.
Product: Student loan

My student loans are handled by Navient. When I completed XXXX school in XX/XX/XXXX I was under the graduated repayment plan. This plan indicated that my loans would be repaid in 10 years. I have not changed my status and I have made all on time payments. When I looked at my loans recently I was shocked to see that the loan end date for the majority of my loans were in XX/XX/XXXX. That is 30 years post graduation and a far cry from the 13 year repayment plan. I want to know what steps can be taken, if any to repair this. I have in good faith made payments only to find out that I will be paying until I retire. When I spoke with the Navient customer service representative he sent me repayment information schedule that states that the repayment plan is a 10 year plan, which does not represent what I am currently paying.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment entries reported on my credit file with XXXX. After reviewing my credit report, I identified multiple discrepancies that do not reflect my actual payment history. These errors are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates that furnishers of credit information report only accurate data. 
Legal Basis for My Dispute : 1. Failure to Maintain Accuracy FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure that credit information is accurate and complete. Reporting inaccurate late payments violates this requirement.

2. Permissible Purpose Violations FCRA 15 U.S.C. 1681b : The incorrect reporting of late payments constitutes an unauthorized negative impact on my credit profile, which is not aligned with permissible purposes. 
3. Liability for Willful Noncompliance FCRA 15 U.S.C. 1681n : If XXXX fails to correct these errors upon receiving this dispute, I reserve the right to seek civil liability for damages caused by inaccurate credit reporting. 

Requested Actions : Delete or Correct Inaccurate Late Payments : If no verifiable evidence supports the late payments, they must be removed immediately. 
Provide Verification : If you believe the reporting is accurate, provide documented proof of each late payment, including transaction records and billing statements.

Update My Credit Report : If you can not verify the late payments, update my account status to Paid as Agreed to reflect the correct information.

Disputed Information:XXXX XXXX XXXX  ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX XXXX  ; I have never been late XXXX. XXXX XXXX XXXX  ; I have never been late
Product: Debt collection

On XX/XX/2019 i paid XXXX XXXX {$100.00} with check # XXXX. The check was deposited by XXXX XXXX on XX/XX/2019. ( I have the bank document to prove this ). 
On XX/XX/2019 i get a collection notice from Receivables Management Systems stating i owe them : Creditor : XXXX XXXX  {$0.00}, Interest : {$2.00} and Collection Fee : {$40.00} for a total of {$42.00}. I do not understand how they can collect a collection fee with interest when I owe nothing to the Creditor XXXX XXXX because they were paid in full on XX/XX/2019.
Product: Debt collection

This particular gentleman who called himself XXXX XXXX contacted my employer specifically my boss and assistant boss and revealed information that I owed a bad debt and verified my employment threatened to take me to jail. I have XXXX voicemails and several screen shots of where this gentleman has called me numerous times in a XXXX minute span. Threatening voicemails he leaves in my phone.
Product: Debt collection

This company has called me numerous times for someone that I do n't have contact with. I 've asked them repeatly to erase my phone number from the files & they have yet to do so. I 've left messages saying that I was n't the debtor & ive called the company & was harrassed and hung up on. Please make them stop calling my phone during work hours!!
Product: Credit card

I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for XXXX XXXX and US Bank. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history
Product: Credit reporting or other personal consumer reports

The information they reported was not accurate and is preventing me from purchasing a house they reported my balance was XXXX when it was XXXX XXXX
Product: Debt collection

Credit bureaus are incorrectly reporting a collection that was posted on my credit score from XXXX XXXX XXXX XXXX ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and XXXX XXXX XXXX XXXXXXXX stated that they will not delete this collection from my credit report, even though I paid the collection off under duress. Additionally, Transunion, XXXX, & XXXX are still reporting this collection on my credit even though XXXX XXXX XXXX XXXX has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. XXXXXXXX XXXX XXXX XXXXXXXX needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score. 

Additionally, XXXX XXXX XXXX XXXXXXXX verbally harassed me over the phone and threatened me to pay the unjust collection or they would sue me and ruin my credit score further! I demand justice for all consumers and will not stand to let XXXXXXXX XXXX XXXX XXXXXXXX continue their manipulative tactics to take advantage of the public! XXXX XXXX XXXX XXXXXXXX needs to be investigated by the Federal Trade Commission for deceptive and unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Mortgage

XX/XX/XXXX Fifth Third Bank Loss Draft Dept received an insurance claim check for {$42000.00}. I submitted the required documents multiple times and they deleted them and changed them from completed and accepted to need additional documentation a few times. I have emailed, called and spoken with them in person, multiple times. I received a message saying the funds were available in an escrow account on XX/XX/XXXX. The partial check # XXXX in the amount of {$31000.00} was issued on XX/XX/XXXX per the My Claim Funds portal. I called the LD Department and they said no, the check has to be mailed. I received a message on XX/XX/XXXX saying it was processed. On XX/XX/XXXX I again called to ask why I had not received the check. I was told it was mailed on XX/XX/XXXX and it was not their problem, that I had to take it up with the post office. The post office has no info because the tracking says the label was created ( I purchased this mailer ) but not given to the USPS. My contractor has now stopped work until a payment is made. He has been working, in good faith, since the middle of XXXX because the insurance company approved and issued the check on XXXX. My house is torn up and in the middle of the repair phase still. 
I have spoken to the local Branch and they have also attempted to get help for me from this Loss Draft Department and have also become frustrated. I requested to have this escalated through the local branch on XX/XX/XXXX and am waiting to speak with someone from that department. It is my understanding that Loss Draft is part of 5/3 bank, however, it appears to have no governance by the company 5/3. I am being disconnected after sitting on hold for long periods of time to speak with someone at LD, and when I do speak with them often times they sound half asleep with noise in the background that sounds as if they are at home. I need help to get my home repaired ASAP. I have to go this entire process again for any future checks that are received. I have had to beg, literally, and still I am living in a mess solely because of Fifth Third 's Loss Draft. My claim is " monitored '' because they feel the average homeowner is not responsible enough to handle an insurance check and yet they have now lost a {$32000.00} check. They refuse to do anything other than cancel the original check, resubmit, and mail it. If I want it faster than regular mail, I have to send ANOTHER prepaid envelope to them. I am looking at weeks again. This is not acceptable and is quite frankly, cruel, abusive and irresponsible as well as unprofessional. In addition to the documents below, I also have recorded phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau Equifax XXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by XXXX that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. Equifax claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was behind two months and was approved by Fairway to split the payments into 2-3 months, making my months payments larger to get caught up. After turning in all the paperwork and being approved I called well over 5 times trying to find out the status. I sent in payments due to never receiving a call back and trying to avoid any foreclosure on my home. The payments were returned. I then called again and was told by a representative that I was not approved to do this and they were not sure why I was told by the previous representative that this would be approved. I have sent in the requested paperwork to Fairway for a Loan Modification on XX/XX/2020 and over and over again but continue to get nowhere in this process. I had to reach out to a third party to help me get this issue taken care of. They have then run into the same issue that I have in the previous months. They are being told that they are not receiving the Faxed, uploaded and emailed information. I reached out to the 3rd party in hopes that they could help move this process along quicker but have had no success. I have sent in 4 payments of {$990.00} to this third party XXXX XXXX XXXX XXXX XXXX and have all the receipts. I have all emails saved pertaining to correspondences with XXXX XXXX and information sent to Fairway. 
Fairway is impossible and every representative says the exact same thing, paperwork was not received. I recently sent in the requested information and even had an email confirmation that it was received. I called on Friday XX/XX/2020 and was told by the Fairway representative that the paperwork was not received and they have put a hold on my loan modification. I provided the email of the confirmation email received to the Fairway rep, he then pulled up the email and said this will be forwarded to the correct support specialist that was working on my account. This has been going on for well over 10 months and no progress has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX