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

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Product: Mortgage

I have ran into financial hardship. I reached out for help from my Carrington and was directed to Missouri 's XXXX program and was told at first that was all that could be done for now. I contacted XXXX XXXX in XXXX for help with the application, which they did but never filed with XXXX. I call Carrington back the following month to check up on progress. This is when I am informed that Carrington has options for help which should have been offered first. This time they opened an application online for me to fill out. This application submission window closed because Carrington 's website would not accept the uploading of documents that were within the file and size requirements. XXXX months into the process I discovered why the documents would not upload. In the coding of the portal is restricted to smaller than requested. It was a simple coding mistake. Carrington 's response when notified about the issue was " No wonder people complain about it not working all the time ''. my house is now in foreclosure with a sale date of the XXXX, I am needing help because I dont think that the legal process was followed along with the misadvertised file size and piecing out information that extended the process to apply for help. It was like Carrington was gatekeeping assistance avenues and options.
Product: Credit reporting

Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Student loan

I am writing to you regarding my Federal Student Loan taken from XXXX University in XXXX. With the misleading and unfair practices, while I was still on Welfare low income program in California ; XXXX University mislead me to take out over {$100000.00} Federal and private student loans from XXXX XXXX ( XXXX ) and XXXX University to fund for my Undergraduate Degree. Also, they knew I was on Welfare and did not work at the times, they still approve this large amount of student loan for me; knowing that I will not be able to pay them back. 

Being a young parents, I wanted to get a quality higher education for myself so I can provide a better life for my family and me. Even after graduating in XXXX ; I have sacrificed financially and emotionally to pay off my Federal Perkins Loan over {$6000.00} but with interests, my Federal and private loans is over {$100000.00} today. 

Back in XXXX, I have filed a Student Borrower Defense Application # XXXX and even to today ; XX/XX/XXXX ; I have not heard back from the XXXX XXXX XXXX Department about the status of my application. I have documents and transcripts included with the application to show that I should be eligible for Cancellation/Discharge of all my student loans from XXXX University XXXX Addition to that, my application # XXXX is not showing up on my end of their system now, when I log in to check the status of it. Is there a way that you can follow up on my application for me? 

In addition, with much respect to the hard works you and the other 38 Attorney Generals has done regarding the XXXX lawsuit ; this settlement is very unfair to me that the loan must be in charge-off status as of XX/XX/XXXX, and delinquent on payments. My federal loans have been on forbearance since XXXX, when I tried to call XXXX XXXX ( XXXX ) to get some supports and help with my loan. All these years, I am still waiting on the XXXX XXXX XXXX Department on my application, and I feel that I should be one of the students that XXXX should Discharge/Cancel all my student loans due to how my loans were granted at the times. 

I have done everything, that I can as a student and a parent to have a better life but with the compound interests and loans on my credit reports. This has put me in a financial hardship and set back in my life due to big corporation like XXXX, that has misled me to take out so much student loans, while on Welfare ; knowing that I can-not ever afford to ever pay it back. 

To sum up, I want you to fix provision to the XXXX lawsuit so that all students should be eligible for the XXXX Cancellation/Discharge regardless of the payment status. This is very unfair to me, and the loan should be written off, if it was a predatory loan or whatever. It shouldnt be written off based on someone who pay or didnt pay. And the XXXX Discharge/Cancellation should be based on the qualifications of the loans themselves and how the loans were granted. 

I want to thank you for your times and understanding of my situation and millions of other students that are in disparate needs of this support from you. 

Thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681 Section 602 A. States I Have The Write To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.
Product: Mortgage

I have been working with Select Portfolio Servicing ( SPS ) for 2 years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission and the assumption is now under review. ( attached document ). 

They stopped the Sheriffs Sale for XXXX. However, their attorney and/or SPS has XXXX my home back on Sheriff Sale for XXXX. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales and a package was already put in for my home to be put back on sale. 

I need my home taken off the XXXX sale to give me time to get the assumption thru and then to bring the mortgage up to date. Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.
Product: Credit reporting 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 USC 1681. 
Account name : XXXX XXXX XXXX  Account Type : Credit Card Account Number XXXX Account Type : XXXX XXXXXXXX Account Type Credit Card Account Number : 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 account without my written instruction.

15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX,2023 i recieve of {$47.00} USD as digital good games.Transaction ID : XXXX On XXXX XXXX2023 Paypal decide to permanently limited my Paypal account and I am not aware of what Paypal reason.
Product: Debt collection

I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my XXXX and XXXX report account from JPMCB CARD SERVICES ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report immediately.
Product: Checking or savings account

Checking account had fraud so I was stated to put money and automatic deposit to a savings while they investigated the fraud they determined it was me knowing they have the fraudulent deposits to my account so they forced closed that checking account and took {$4000.00} from my savings to cover the so called fraudulent activity and basically blamed me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve a disputed collection agent account on my EXPERIAN credit report. 
I call EXPERIAN multiples timesso they can explain me the dispute result and to provide me with proper valid documentations as signed contracts or agreements with this collection company. ( result of my dispute show that it's resolve and that the collection agency will stay on my report ). Experian told me they can NOT provide me WITH any documentations, but that this collection agency has well confirm that this account is verifiable and truthful. I told the agent under the name XXXX that I call and send mail to this collection company and they told me they could not verify my Person and they don't have any document to proof that I have a business with them.. 

When XXXX of EXPERIAN hear this he just hang me up and he ( experian ) didn't call me back... 

ITS CLEARLY THAT EXPERIAN IN THIS CASE JUST ARE IN VIOLATION OF THE REGULATION OF LAWS OF THE FAIR CREDIT REPORTED ACT.
Product: Vehicle loan or lease

I cosign for someone on a car loan about 3 years ago. The borrower is allegedly trying to refince the car loan but the borrower haven't completed the process. I would like to be release as the co signer of the car loan, especially since the borrower has made ontime payments for the last two years. What could I do in this situation?
Product: Mortgage

On XXXX20 I submitted complaint ( XXXX ) in regards to Wells Fargo refusing to refund the aprox {$4000.00} I paid in full for my PMI when my loan was originated through XXXX XXXX  and the Wells Fargo chose to service my loan. 

Today, XXXX20 at XXXX I was contacted by Wells Fargo employee XXXX XXXX on a recorded line and she stated that after her investigation it was found that I would not receive my refund. She stated that the PMI was through XXXX XXXX with a commitment certificate and they stated they absolutely will not refund any of the remainder PMI although the loan has been paid in full. She stated it has nothing to do with them and they just manage the PMI for XXXX XXXX. I asked her for the documentation for this certificate and she stated she would provide that. I then asked her if in that documentation there were any disclosures stating if I paid the PMI in FULL it was non-refundable and if there were disclosures if I had signed any of those. She stated there were no disclosures signed by me. I then asked so how does that work? XXXX XXXX  apparently dealt with this part, but never was I advised I wouldn't be able to get a refund. In fact in the discussion it was explained to me that by paying the PMI in full I would be helping myself and saving money in the end ... .. and now they are trying to keep {$4000.00} that belongs to me. How is this just? How am I supposed to make an informed decision on whether to pay in full or do monthly payments and what is best so I don't get my money taken from me if I am not properly informed?! 

XXXX continued to distance herself from this and stated it was not Wells Fargo, but I needed to take my complaint and concerns up with XXXX XXXX. Wells Fargo chose to service my loan so they are just as much a part of this as XXXX XXXX. I wasn't even aware of who XXXX XXXX was. 

The fact of the matter is, I was not given proper disclosures, I want the remainder of my PMI refunded to me.
Product: Debt collection

ERC changed my billing address to my employers address, then mailed a bill to my employers address. The A/P department at my employer opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my employer which embarrassed me and divulged my information to my employer and coworkers.
Product: Checking or savings account

I am in the middle of someone attempting to steal my identity and chime locked my account, they told me without a valid id I could get access back to my money but the valid one was stolen along with my social security card. I have had my account locked before and submitted the same identification that is expired and they accepted it along with on other occasions finding a way around it. It is every XXXX that I have XXXX dollars in my savings and XXXX on my credit builder along with XXXX dollars on my debit card. Now how would I know that if isnt my account? Without that money I cant eat or pay rent or make my car payment. I set an appointment at the dmv for the XXXX of the month which is the earliest it is available. It will 2-6 weeks after that day that I will receive my new id. I wont have an address for them to send it to if I dont get my money back. Ive spoken to their specialist who refers to the customer support who refers to the specialist who refers back to customer support for them to get upset and tell me that they will not accept my id. Ill be leaving this bank as soon as possible because obviously being with chime since before they had bill boards and sponsored the XXXX does nothing for me. Every single person should have to retake public relations and how you talk to customers. This is absolutely ridiculous that I have to go to this extent just to get what belongs to me.
Product: Credit reporting or other personal consumer reports

According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a signed copy of the contract that I made with this company to enter into any agreement for this debt. 
This in clear violation of FCRA as I did not signed any contract with his company. I never heard of them, period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.