23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regards to the company response on my case. 
The number that was provided is a scam. I have called numerous times during normal business hours and left a couple of voicemails with no call back or response. This is just a voicemail line with someone named XXXX XXXX. They make it literally impossible since there is only one person they claim to handle disputes. but is never available, no one ever picks up the phone or call back. Its just a voicemail line and they claim they will call back but they never do.
Product: Credit reporting or other personal consumer reports

So what happens when a mortgage loan has been transferred to a company that doesnt report their loans to the credit bureau ? My credit is based off of my payment history, variety of loan types, and Debt to income ratio. 
My loan was in a forbearance  for 3 months for economic hardship ( I lost my job ) before Covid hit and then it was in forebearance due to Covid. Because I wasnt current when I entered the firebeatance I continued to be reported as late. So for one full year I have been reported 180 days past due every single month for 12 months. 
Please understand that prior to this time I had 100 % perfect payment history on my mortgage from XXXX to XXXX. Eleven years of perfect payment is not on my credit report. I believe it only is going back to XXXX. Still it was perfect until XXXX. When I got the forebarence the loan was transferred to XXXX different lenders and finally it landed on XXXX. XXXX doesnt report to the bureaus. So my credit is very hurt from this and is negatively impacting me in so many possible ways. I am a single mother of XXXX. No help from anyone but I do ok financially I am an XXXX I have a solid job and income and no issue paying my debts now. I bought my little townhouse in XXXX. I have since outgrown it ( XXXX bed ) and unable to buy a XXXX bedroom home even though I have over XXXX in home equity it just doesnt matter a bank will not give me a loan because of my credit. I was recently in a car accident and my car was totaled. Financing a new car has cost me 21 % apr! Before this all happened in XXXX my credit was over XXXX. My car loan was under 5 % apr. now my car at 21 % and not even a nice car. I can not get XXXX to report me to the bureaus I cant get XXXX, XXXX XXXX  or chase  to remove their negative marks on my credit. 
XXXX isnt going to transfer me to a new lender because they are happy with having me a customer. So even though I never would have financed with a business that doesnt report mortgages I was transferred to one and had no control in that. Isnt that a bit deceptive as the consumer? It was like a bait and switch really. I shouldnt be negatively impacted when my mortgage was sold or transferred. But I am and I was.. is there not any laws to help a person in my situation? Isnt this a breach in the whole truth and lending act? Isnt this a situation I would get some kind of understanding with? I dont know what steps to take to get myself out of this mess. I can not wait another 2 years to buy a new home my children need their own bedrooms now we just have no space ( waiting two years for it fall off ) My car is not a reliable vehicle for my family but with 21 % Apr its all I feel safe buying! Please someone help me figure this out. I had a forbeance through chase, then XXXX took the loan and wouldnt honor chases forbearance until the XXXX got involved they were actively in motion to foreclose. Then its moved to XXXX and XXXX  then XXXX. That job loss and forbearance then Covid destroyed me. But because I can show such good financial history before that, shouldnt it count for something?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this matter with these credit reporting agencies for the past 4 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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
Product: Credit reporting

A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Product: Vehicle loan or lease

Im currently paying on a Loan to a company ( XXXX ) for my vehicle that was bought from XXXX XXXX and Im seeing in a group on XXXX that they are repoeing everyones cars. Even if you are on time with payments. Ive always been on time with my payments and if this is whats going on I dont feel the need to continue paying if my car is going to eventually get repoed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to Experian, XXXX, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.
Product: Checking or savings account

My XXXX Account was compromised and made a purchase on XX/XX/2020, for {$120.00}. The item was a XXXX XXXX and the compromiser sent it to me as a joke. I contacted XXXX and they confirmed that my account was compromised and made a fraudulent purchase. They locked my account, disconnected my card, and wiped my purchase history. They told me to contact Bank of America. Bank of America opened a claim on my behalf but then simply closed it, claiming I was the one who made the purchase. This is further exacerbated that they closed my claim on " compelling evidence ''. This has made me very upset. They did not contact XXXX to see that my account was compromised and they refuse to refund me. I contacted XXXX again and they assured me that they are internally investigating my situation.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a ( pay day loan ) for gig workers. However, the amount I was approved for was given, minus XXXX XXXX dollars. Then came the bait and switch tactics become the pay back amount was beyond astronomical. They were taking money out of my bank account whenever they felt like it, causing my account to go negative to a point whereas it was closed. The harassing phone calls and threats poured in. I was taking advantage and preyed upon by this company. They claim this was a business loan, however, what business? I was broke and they stressed me out to the fullest. They shouldn't be allowed to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax /XXXX /XXXX credit reporting manipulation they state the alleged account is paid charge off in XX/XX/2019 But I never paid the alleged account because its not mine { this paid charge off will stay on my credit report and is not accurate Enclosed are Facts from Equifax /XXXX  that show the statement Im making is true.XXXX  even when as far as lying to the CFPB in there response and Equifax after that RESPONSE DID NOT REMOVE THE ACCOUNT [ ENCLOSED IS A LIST OF DOCUMENTS I REQUEST FROM EACH COMPANY but they just send template LETTER BACK IN RESPONSE contact furnisher } I will subpoena the documents if need be, I want in conclusion a copy of receipt I made the payments they claim. Again credit manipulation { truth in accuracy in there reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police report
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Product: Consumer Loan

2nd ltr to be sent -- -- I am writing this letter regarding an interest charge of {$800.00} plus dollars, almost the same fee I am paying for my kitchen floor which was added to my existing bill which will be paid in full on XX/XX/XXXX. I paid my {$5000.00} plus bill from XX/XX/XXXX to XX/XX/XXXX off with my XX/XX/XXXX payment which was {$300.00}. I am a XXXX senior who is not stupid, has XXXX, or XXXX. I am actually quite smart and know a scam when I see one. ( Remember this is an online account not a paper account ) Do the potential and ongoing customers out there know what you are doing? Is it Wells Fargo Bank that has been cheating the customers or XXXX? 
I am going to file a complaint with the Banking Commission, Federal Trade Commission and the Consumer Affairs Div. Let me not forget all the agencies like the XXXX, XXXX, and XXXX including XXXX and XXXX! I want you to know I consider this a scam tactic preying on the elderly. If you feel I owe you some interest based on a dispute of days, a few dollars would have been acceptable but if you think I am paying you close to {$900.00} you are mistaken. I will be forced to hire an attorney to fight this and it will create a hardship on a senior who paid her bill in full. Again, I am so sorry I did business with XXXX and Wells Fargo Bank. I have never had a problem with any other monthly payment plan and certainly wo n't be telling guests who did my floors and they should give them a call, as long as you are the financial bank handling the accounts. I have had several other payment arrangements through XXXX, etc and never had a problem with any of them.
Product: Vehicle loan or lease

On XX/XX/2021, I called Kia Motors Finance and told them about inaccuracies they had reported to credit bureaus : they falsely reported that I paid late multiple times on a vehicle lease, when I never did. Their own records show I always paid on time and they agreed this was true when I talked to them. I have called them many times and written a letter because their credit reporting department has NO phone number or email address, according to customer service- this is a big problem. The only way to contact them is postal mail and then you have to wait for a response. I tried using XXXX to ask Kia Motors Finance for contact info for the credit report department but they didn't respond to me at all. 

My credit score went down over 60 points, dropping my credit into the mid 600s when it had been in the upper 700s. This has stopped me from starting the process to get a mortgage because I'm not eligible for the rate I want. It is now XX/XX/XXXX and Kia Motors Finance still have not fixed their mistake. My credit report still shows the late payments that never happened. 

I filed a dispute with the three credit bureaus. XXXX  emailed me to say they confirmed the late payments were correct ( perhaps Kia Motors Finance never responded to their inquiry ) and closed the dispute. Today I sent XXXX  a PDF of the 100 % on time payment record that Kia Motors Finance emailed to me, and now my XXXX score went up 45 points suddenly. So it seems XXXX  has finally removed the incorrect late payments. My score is not where it was before and I still have to get the other bureaus to correct the mistake. I still have not heard from XXXX. It's disturbing how much trouble Kia Motors Finance 's mistake has cost me. I've attached the payment record.
Product: Credit reporting or other personal consumer reports

I'm filing this compliant against Experian for failing to properly investigate my previous multiple disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate without allowing an appeal or responding to the " method of validation '' or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Furthermore, Experians action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notice in the mail stating Eastern Account System of Connecticut plan to report a debt of over {$1800.00} to the credit bureaus. I submitted an email to formally dispute this debt and requested an itemized statement that details the balance owed. On XX/XX/XXXX, supervisor XXXX XXXX, email me back stating the validation of the debt has been requested. On XX/XX/XXXX, I received just the front page of a billing statement which only reflects the balance owed, but it did not address my previous inquiry for the itemized statement outlining so I requested all the requested documentation because the balance attempting to report was inaccurate. XXXX replied back on XX/XX/XXXX stating " Eastern Account System works on clients ' behalf, we can not alter or edit the bill in any way or provide supplemental documentation beyond what the original creditor has already provided to you. This balance has been properly validated, and as of today is considered valid and owed. " Immediately, I responded stating the balance is inaccurate and I had not received the itemized statement from the creditor and formally disputed the debt again and as of today I have not received any updates after informing the company I would be contacting your office to file a formal compliant because they are attempting to report a debt to the credit bureau that is inaccurate and they have failed to provide itemized statement outlying the fees and charges that align with the original terms.
Product: Credit reporting

Filed a dispute with the XXXX credit agencies ( Transunion, XXXX and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
Product: Credit reporting or other personal consumer reports

Reviewed my consumer reports and noticed that I had XXXX 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 maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks