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

I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from XXXX, Equifax, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my XXXX report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from Equifax dated XX/XX/2022 pulled directly from Equifax website, Equifax is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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. '' Equifax, XXXX, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Per FCRA, reporting must be 100 % accurate or the information must be delete.
Product: Credit reporting or other personal consumer reports

recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Student loan

I have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts that are reporting incorrectly on my credit report : XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, J. XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX 's, and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX Bank directly and advised that each account is reporting differently to XXXX, Experian, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Product: Credit reporting, credit repair services, 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  own XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have Wells Fargo Small Business Line of Credit that I closed but still have a balance on. Payments are fixed monthly payments which are made every month and the interest rate was steady 7 % for the longest time. Then after reviewing my statements I noticed that they have continued to increase the rate almost on a monthly basis. 

XXXX through XXXX XXXX XXXX  the interest rate was 7 % with a daily finance rate of .01917 % XX/XX/XXXX 7.5 % daily finance rate .02054 % XXXX and XXXX XXXX  8.25 % daily finance rate 0.2260 % XX/XX/XXXX 9 % daily finance rate .02465 % XXXX and XX/XX/XXXX 9.75 % daily finance rate .02671 % XX/XX/XXXX 10.5 % daily finance rate .02876 % XXXX XXXX 11 % daily finance rate .03013 % XX/XX/XXXX 11.25 % I have never received any notification that my rate was increasing let alone just about every month. After I spoke with them they could not answer give me an answer to why the rate has been continually increasing and said that I could apply for a rate reduction. 

Is it legal for them to keep increasing my interest rates on a closed account?
Product: Debt collection

TransWorld System Inc XXXX XXXX XXXX XXXX XXXX I have disputed this account TransWorld System Inc with the credit Bureaus because I had no knowledge of the account, and all they did was update the information on my credit reports. I then wrote to TransWorld System Inc on XXXX XXXX requesting more information about this account, but they never responded to my request. I again wrote the Credit Bureaus on XX/XX/2022 informing them that TransWorld System Inc has not responded to my request for validation which is a violation of my rights Under the Fair Credit Reporting Act, and to PLEASE REMOVE this information from my credit reports. Again, all the Credit Bureaus did was update the date on the report. I have enclosed all notarized letters to show proof that I had correspondence with the Credit Bureaus and TransWorld System Inc regarding this inaccurate reporting. 
Thank you for your help.
Product: Debt collection

I checked my credit report in approximately XXXX and disputed an attempt to collect a debt from a company claiming I owed them rent money. Several attempts made to contact representative via phone failed, I just called her again at XXXX XXXX XXXX and the rep is on break again. They claim I owe them {$140.00}. On recheck of my credit report today, another attempt to collect a debt from a different company claiming I owed them a significant amount of money, {$15000.00}. Communication with RDAC was established, with the representative placing a fraud alert on the account and attempting to contact business. They are sending packet to complete for fraudulently activity, recommended I file a police report and take steps to further secure and protect my identity. I do not, nor have I ever resided or attempted to reside in the areas these companies/business are located.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX XXXX XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In Honor and Grace, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I urge CFPB to report this case to the Department of Justice Consumer Financial Protection Bureau ( TILA ) for investigation as a national fraud issue and to enforce penalties against the bank for this serious violation of my rights. As well as confronting Wells Fargo of status of the results of the non-communication Mediation status submitted to them. ( see attached ) Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I honestly do not know who used my information to obtain a mortgage..all I know is when I applied for XXXX Charge was asked if I took out a mortgage in XX/XX/2019..Which I never did..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I did not apply with Fifth Third Bank
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I am having problems with Lendmark Financial Services. I was summons to go to court and my attorney requested information from XXXX attorney for which they could not produce so the courts recommended they settle the account with us. The information was given to the XXXX attorney and they still have not contact my attorney and this is getting to be absolutely ridiculous. Also if my attorney was unable to obtain the proper information directly from their attorney how are the bureaus getting information?
Product: Credit reporting or other personal consumer reports

Americcollect reported a medical bill on my credit for treatment that was a result of a auto accident relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to Americollect, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with XXXX and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called XXXX and Americollect daily to get no result other than Americollect saying they arent reporting it and XXXX saying they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020 mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX  account was hacked and fraudulent charges totaling {$1700.00} were initiated on XX/XX/year>. They were both on an XXXX virtual card for XXXX through XXXX XXXX  I have a legitimate XXXX account for my XXXXXXXX XXXX  that I purchased in XX/XX/year> and have paid for the last 6 months. I never applied for XXXX credit especially 2 account totaling {$1700.00}. They went through mXXXX XXXX XXXX  XXXX checking account and stole from me. I called XXXX fraud services and was denied even though the purchases were initiated through XXXX. I have NEVER used XXXX money transfer in my life and never had an account with them. I submitted multiple claim to XXXX XXXX and they denied my legitimate claims without giving me any reasons why online or by mail. They are a crooked company and need to be called out for their flippant behavior towards customers with legitimate claims of fraud. I have an excellent credit history with no missed or late payments my entire life. These fraudulent XXXX accounts are 2 months past due now as I will NEVER pay for someone hacking and scamming me like that. If I have to file a police report with my local police department meant to get my money back then so be it. Please help me with this mess. Looking at XXXX online this has happened to numerous people with XXXX telling them there was nothing they could do about it which is obviously XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  put a derogatory 30 days late on my XXXX account even though I paid the XXXX  twice in the same month when I called to ask why this happened I was told the remake could it be removed.
Product: Mortgage

I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief! 

Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing? 

Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval. 

I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.
Product: Student loan

On XX/XX/XXXX, my husband and I opted to take out a {$30000.00} Tuition Answer Loan through Navient. I ( XXXX XXXX ) was the primary and my husband ( XXXX XXXX ) was a cosigner on the note. When we took out the loan, we were on the verge of losing our house due to me only being able to work part time while I was attending XXXX school. We have XXXX children and felt that we had not choice but to take out the personal loan but looking back, we didnt realize exactly how bad the 10.75 % interest rate was going to hurt our family. Shortly after graduating with my XXXX XXXX, the total amount due on the loan was over {$60000.00} and my husband and I filed Chapter XXXX bankruptcy. We were told that we could not file bankruptcy against the loan by our attorney. Since XX/XX/XXXX, then my husband and I have been making regular payments of {$470.00} a month on the loan but since the interest rate is so high, we only have the loan paid down to {$37000.00}. I have no problem repaying my debts but I feel that the interest that we have been paying is predatory lending and I am disappointed that our federal government has n't taken control of the problem and helped us get a lower interest rate and given us additional credit towards the principal amount. We are the typical middle class family with two incomes and now our two of our daughters are teenagers who will be starting college next year. We have also not been able to save money for their college education due the the costs of my education. Perhaps what may be even more scary, is the fact that one day my own daughter may be prey to the same predatory lenders.
Product: Student loan

XXXX used misconduct, including deceptive advertising and misrepresentation of job placement rates. I had recruiters contact me in XXXX and XXXX with misrepresentation of job placements. The marketing they used was aggressive and salary information they provided was exaggerated.