23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

I am trying to permanently opt-out of prescreened offers & also want to place a credit freeze on my account. I was able to do this with relative ease for both XXXX & XXXX. By ease I mean that I was able to call both companies and with one phone call accomplish both the permanent opt-out & freeze my credit account. When attempting to do the same with Experian I have run into issues that seem to me to be extraneous. I first tried to call their toll free number at XXXX ( XXXX ) XXXX. After confirming my identity I was unable to accomplish my goal through their automated system. I then tried to go online to https : //www.experian.com/freeze/center.html to do the credit freeze portion. I confirmed my identity but their system wouldn't allow me to freeze my credit account. It gave me an error message saying I needed to contact them in writing via snail mail ( USPS ). I then XXXX " contact a human experian '' and found this number XXXX XXXX XXXX XXXX XXXX. With this number was able to reach a customer service representative named XXXX who works on the XXXX team for Experian. Once again I confirmed my identity, however when I asked him to permanently opt me out of prescreened offers he told me I would have to write a letter ( via snail mail ) requesting so. This is the crux of my complaint. Why would Experian make the process of freezing a credit account considerably more difficult than their direct competitors? On the surface it looks like Experian is deliberately obfuscating this process or at the very least making it cumbersome to do so.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by TransUnion. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this XXXX XXXX XXXXXXXX account ending in XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate and fair reporting of credit information.

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages. 
Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
60-Day Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to Sincerely, XXXX XXXX XXXX XXXX, though I have been an active customer and regularly made payments. 
Account Status : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are asking you to investigate the impact that that our XXXX XXXX XXXX Home Equity line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XX/XX/XXXXwe send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XX/XX/XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX. 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Product: Debt collection

The company Spring oaks capital llc have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with Spring oaks capital llc and have no knowledge of an account with them and dont owe them anything.
Product: Mortgage

My dad took out a loan on property that his house and my house are on and he quit making payments and I don't want to lose my house, he walked away from his house, I still reside in my house, The mortgage company won't talk to me because my name is not on the note. I'm trying to figure out what I can do to keep my home, I was going to refinance it all in my spouse and I name but I can't because it is in foreclosure, but if they are not going to talk to me about it how is it possible for me to keep my home. The mortgage company is RushmoreXXXX XXXX
Product: Credit card or prepaid card

After numerous attempts, USAA categorically refuses to delete my membership. This represents a personal security risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt owed to the collection agency carter-young for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to Carter-Young collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX XXXX courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation.
Product: Checking or savings account

The bank is going is going to close my account due to a system error supposedly they say that I deposited a fake check and that is not true it was a money order for {$200.00} dollars and it was not fake because I deposited it to another account and they did not reject it. 

They are going to wait 15 days to close the account by freezing the funds and that is going to hurt me because I will not be able to make my payments on time and that is going to damage my credit and that is going to damage my name and my image for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a FHA Home Mortgage Loan with XXXX XXXX  XXXX  XXXX in XXXX XXXX LA. It began in XX/XX/XXXX to present. The Bank will not put my 26 year payment history on my credit report after several requests. No info is on file with the Credit Bureaus. They will not give me a mortgage payoff amount, ( $ XXXX ). I  have went into the bank in XXXX, XXXX, XXXX, and XXXX of XXXX and can not get any mortgage information. My account is current after the Deferment, due to the Pandemic ( XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX payment was made at the bank. A fraudulent {$3000.00} installment loan is on my credit report that I never applied for. The Bank sent a letter that I came into the bank in XX/XX/XXXX and opened it up. The Bank 's Fraud Unit never got back with me. An Awful LIE, I never opened this loan account. I tried to resolve these issues in XXXX and XX/XX/XXXX by phone and email. I have not heard from anyone at XXXX XXXX. Please investigate and get me resolution on my mortgage that will be paid out by XX/XX/XXXX or sooner. Thank You for your time and assistance.
Product: Student loan

I refinanced my Federal Loans with Mohela XXXX XXXX to obtain a better interest rate than what I was receiving with my Federal Loans. I came across 2 issues that I found to be quite problematic.

The initial issue I had was that while I was making my minimum autopay installments, I was also making additional payments on a monthly basis. I had been doing so for several months/years, when I had contacted the company in regards to some accounting issues I was seeing. At that time, they then told me that all of those additional payments could have been going to the principal rather than the interest. I had been making substantial monthly payments ( XXXX XXXX )  that ultimately was not benefiting me as the consumer in any way whatsoever. They never contacted me to let me know this was even an option. I went back through their contract and I could not find any location that explicitly told consumers if you made extra payments, they could go to the principle. They intentionally kept this from me and other consumers. As a XXXX XXXX, my loans are substantial ( XXXX ) which having made those initial payments to the principal would have helped me and my family immensely.

In addition, as I had now been alerted to the fact I could make payments to my principal rather than just the interest, I was seeing some benefit in that my overall principle was decreasing. As my loan was leaving forebearance and I was going to have to make full monthly payments, I again looked at my balance, and to my utter dismay, my principle balance had returned almost to its initial level ( XXXX ) even though I had been making large additional payments.

I called Mohela XXXX XXXX to discuss this with me, where they told me at the end of forebearnace, there was an additional XXXX fee that was incurred when the loan left forebearance. Needless to say I was enraged.

I begged for some reprieve, only to be told this was in the contract and you are unfortunately " out of luck. '' I have since left that company and refinanced with XXXX at this point, because I was so appalled at these tactics.

I have already spent thousands of dollars attempting to be a responsible consumer and pay for my education. All of this money could have gone to my overall principle which would allow for me to have paid my loan back in full, in a shorter amount of time, and done responsibly. I am now continuing to pay an absurd amount on a monthly basis, to make up for what I thought I was mitigating over the past 2-3 years.

This is unbelievably deceitful and provides absolutely no benefit to the consumer whatsoever. They are keeping you indebted to continue to reap interest benefits for themselves while leaving you struggling on a monthly basis.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d )  ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Product: Vehicle loan or lease

credit acceptance loan was paid in full in XX/XX/2023 they are still reporting to the credit bureaus that there is a XXXX balance when the balance is XXXX. I have contacted them as of XX/XX/XXXX to resolve this and they said they have however as of XX/XX/2023 their reporting to XXXX and XXXX  a balance of XXXX and monthly payments of XXXX which is inaccurate they refuse to update per fcra law this is affecting y borrowing terms on a new vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a dispute letter to Equifax notifying them about the unauthorized inquiries and negative items that are being reported on my credit report. It has been well over 45 days and I have yet to receive any information regarding my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent review of my personal credit report with Transunion, there is a previous address reported on my report that I do not recognize and have never used. 

The address is XXXX XXXX XXXX XXXX, TN XXXX. 

Please have this address removed from my list of addresses. 

Also under Phone Numbers : I do not recognize and have never owned the phone numbers : XXXX or XXXX Please investigate these fraudulent entries on my credit report and remove them. 

If there are question or we need to discuss this report, call me at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I summitted a complaint demanding that Experian remove negative information from my credit file using the proper provision 15 usc 6508 opt out law and the privacy act of 1974 and they refused to remove under the law witch is a clear violation. I submitted this complaint on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Im writing to formerly express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumer, but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I was informed that there is a charged off account on my Chex systems for XXXX XXXX  from XXXX XXXX. In XXXX  I filed ( XXXX  XXXX ) bankruptcy and shortly after this was discharged they submitted a claim it was charged off. My bankruptcy was finalized in XXXX. I have contact XXXX  to make sure this was updated on my credit reports and they removed it. However it is still showing on my check systems. Please remove this.
Product: Debt collection

On XX/XX/2020, a request ( see attached ) was sent to the creditor to dispute the debt. In the letter, the following was requested : Proof of my agreement to pay the debt A copy of the final account statement from the original creditor A breakdown of the total amount due, showing principal, interest, and other charges For all other charges, the date of and basis for each charge Description of the chain of title from the original creditor to present debt owner including date of assignment Records reflecting the amount and date of any prior settlement agreement reached regarding the debt On XX/XX/XXXX, Ally replied with the attached letter. This information was not a verification that I indeed owed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal settlement agreement with XXXX XXXX that has been paid in full as of XX/XX/2020. I filed a dispute with all three bureaus and 2 of the 3 has been updated to reflect a XXXX balance as of XX/XX/2020. I have submitted 8 investigations to experian who continues to state that the information on my credit statement is accurate ( which shows i have a negative balance of XXXX past due. I have sent the payments made, the settlement letter and letter stating the final payment made, and this has still not rectify the wrong reporting on my credit file with experian.
Product: Credit reporting or other personal consumer reports

I have several times tried to get old writes off and closed accounts off my credit report and being that transition and equifax please have these remover off my credit report
Product: Bank account or service

I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.
Product: Debt collection

This account is showing up on my credit reports but I don't know what it is for. I have sent two letters to this company and have not received any form of correspondence back from them.
Product: Credit reporting or other personal consumer reports

My person was information was leaked in the credit bureau data breach. Under the fair debt collection protection act I request validation of leaked accounts and information that was compromised. I am also aware of the law suit placed against XXXX for not correcting errors on credit reports.