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

Inaccurate and incomplete information is being being reported across TRANSUNION, XXXX, and XXXX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All XXXX bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

Good afternoon, the problem is still with Wells Fargo Auto. I previously opened a case with you number XXXX to help me because the bank previously authorized the replacement and they damaged the car and I only paid a part of the damages, but they want me to pay penalties for the months of delay that the car has been damaged, they damage my car, they do not pay for the damages, I have paid the months in arrears, but they want me to pay them a penalty for delay too, I think it is very unfair, thank you very much.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions 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 administrative proceeding.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Sezzle credit limit is not accurate Certain accounts are closed and still reporting on my score
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information reported on my credit report regarding my XXXX XXXX XXXX XXXX account. The report shows an open balance for a charged-off account, which raises several concerns that need to be addressed. 
Details of the account are as follows : Date opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off. {$2400.00} past due as of XXXX XXXX. 

Status updated : XX/XX/XXXX Balance : {$2400.00} The credit report shows continuous charge-off status updates, which are listed below : credit report shows continuous charge-off status updates, which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several points of contention regarding this reporting : 1.How can a charge-off account have an open balance/balance due? If the account is charged off, it should not reflect an open balance.

2.Statute of Limitations on Debt in NJ : According to Section 2A:14-1 of New Jersey state law, the statute of limitations on debt is six years. This statute applies to all kinds of debt, including written, oral, promissory, or open. Given that this account was opened on XX/XX/XXXX and last updated in XX/XX/XXXX, it is beyond the six-year limitation period for legal debt collection. 

Based on these points, I request that you investigate this matter and correct any inaccuracies on my credit report. If the information can not be verified or is found to be inaccurate, it must be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please consider this letter as my formal dispute and take the necessary steps to resolve this issue. I expect a response within 30 days of receipt of this letter. Enclosed are copies of my recent credit report highlighting the disputed item and any supporting documentation. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Our mortgage was transferred from XXXX to LoanCare. The XXXX payment was made to XXXX electronically through our bank account. We received a letter from XXXX that our payment was received and that the payment would be forwarded to LoanCare. In early XXXX we received a letter from LoanCare that our XXXX payment was not received and they would need to receive a payment ASAP. That began the whole process of calling more than 30 times, numerous emails with attachments including the prior stated letter from XXXX and the Transmittal form from XXXX XXXX XXXX  that an elelctronic payment had been made and received to XXXX bank in XXXX. On numerous occasions we have been disconnected without call backs as well as not received calls from managers that have been promised. We are currently waiting for their Research Team to make a decision on our case of where the missing payment went.
Product: Credit reporting or other personal consumer reports

THIS HARD INQUIRIES DON'T BELONG TO ME, HASN'T BEING AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, CAP ONE AUTO, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX you reported that my transaction was 30 and 60 days late.
Product: Student loan

The Aidvantage student loan servicer will not accept extra payments directed to the principal of a loan, either by phone or online. They will only accept next month 's payment early, which does not shorten the life of the loan.
Product: Debt collection

Revco Solutions , Inc. mailed me a bill via postal mail. I never had any contracts with Revco Solutions , Inc. nor did I give this company my permission to contact me. I believe Revco Solutions , Inc. purchased my information from XXXX XXXX. in which I did not give XXXX XXXX. permission to sell my information to Revco Solutions. Revco is a third party debt colection agency who is trying to collect a debt that I do not owe to them. Revco Solutions Inc and XXXX XXXX has violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Mortgage

On XX/XX/XXXX I received my approval for a flex loan modification from Cardinal Financial. The letter stated I had 14 days to accept. A drive by servicer came to our home to serve us foreclosure paperwork on Saturday XX/XX/XXXX. I called on Monday XX/XX/XXXX and was told there was an error on the date that was sent out and the foreclosure was stopped. There is a lawsuit that was filed with XXXX XXXX Florida that shows XXXX XXXX XXXX on behalf of Cardinal Financial Company filed foreclosure on our home on XX/XX/XXXX. We had not even received the modification paperwork at that point. 
Our home was severely damaged by Hurricane Ian. We have a XXXX XXXX XXXX. There is a moratorium on foreclosures and negative credit reporting for 12 months post Hurricane Ian that hit us on XX/XX/2022. Cardinal Financial has reported us delinquent on the loan and has the foreclosure lawsuit on hold. I have asked both XXXX XXXX and Cardinal to DISMISS THE LAWSUIT IMMEDIATELY AND WITHDRAW THE XXXX XXXX  AS THEY HAVE VIOLATED THE INVESTORS SERVICING GUIDELINES FOLLOWING THE NATURAL DISASTER, HURRICANE IAN, THAT HAS HAD A DEVASTATING DIRECT EFFECT ON THE COLLATERAL FOR THE LOAN. 
THIS FILING ON OUR PROPERTY IS HOLDING UP FUNDS AND PERMITS TO REPAIR OUR HOME. XXXX XXXX XXXX XXXX XXXX FL XXXX Cardinal is also holding onto our insurance checks that were sent to them to endorse : We need the funds released and they keep sending inspectors that dont report on the entire house repairs. Cardinal Financial is holding over $ XXXX that we need to pay the framer so the roofing company can put a roof on our home. Cardinal states that only 40 % of the roof is complete so they wont release the funds. The funds arent all for the roof. We had to remove all of the drywall in the rooms where the roof came off and the ceilings fell in. We have finished the drywall in the master. Rebuilt stairs to be able to get to the second level to mitigate. Tree removal, mold mitigation etcCardinal Financial has made a natural disaster into a long, painful, credit wrecking, frustrating 10 month long process of fixing our home. We have been living at our neighbors house for the past 10 months. Now that we are getting checks from insurance, Cardinal is holding them and then unlawfully filed a lawsuit for foreclosure, which is holding us hostage yet again to be able to get back into our home.
Product: Credit card or prepaid card

I received a phone call that has been deemed fraudulent, XXXX, indicating that there has been a suspect charge made to my credit card, Chase/AMAZON card.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 
18. Invasion of Individual and Family Privacy
Product: Mortgage

I WAS  XXXX  IN  XXXX     2013  AND ARRIVED OVERSEAS END OF  XXXX     2013  AND WAS LATE PAYING MY MORTG. WELLS FARGO REIMBURSED ME FOR LATE FEES BUT WOULD NOT TAKE OFF  XXXX   2013  LATE PAYMENT OFF MY CREDIT REPORT. I WAS NOT LATE PAST 30 DAYS. I HAVE PAPER SHOWING THAT THEY REIMBURSED ME FOR LATE FEES AND ACKNOWLEDGE I WAS OVERSEAS BUT REFUSE TO TAKE OFF THE  XXXX  DELINQUENT MARK OFF CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove accounts which are not mine and never belong to my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Equifax report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Equifax has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.
Product: Student loan

I graduated from University  XXXX   XXXX  in  XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by  XXXX   XXXX  that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed  XXXX / XXXX / XXXX  I believe when Navient took over the loans Account #  XXXX   (  see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over  XXXX  A DAY added in on interest!! This  XXXX  loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over  XXXX  dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!!     Also, I have a parent plus loan that was through  XXXX   XXXX  and now through Navient that is at 8 % interest!!  (  see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is  XXXX  a month. I do n't understand how I am supposed to pay both of these and let alone pay the  XXXX  by itself after all the interest rate that 's tacked on!!     According to the attached documents if I pay according to their payment status I would pay $  XXXX  .THAT 'S OUTRAGEOUS!!      Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. XXXX/XXXX/Experian -- Failed to correct my credit score.  REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is more than 4 years old as if it is new is illegal. Hence the reason the attorney general is now involved. My score should be restored!! XXXX  XXXX - Regarding account XXXX. The account was opened in XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, RE-AGED the debt and is reporting it as if the account is still open. The detriment to my credit report for this illegal act was a loss of many points.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my personal information was compromised as a result of a data breach. This breach exposed sensitive data, including my [ specify compromised information, e.g., Social Security Number, account information, etc. ], increasing my risk of identity theft and fraud.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable data protection laws, I am requesting that you delete any information related to the compromised data from my credit file. This includes, but is not limited to, any accounts, inquiries, or other records that may have been affected or fraudulently created due to this breach. 

Please confirm in writing once the deletion has been completed or if additional information is required. I appreciate your prompt attention to this matter, as it is critical to maintaining the integrity of my credit report and protecting my identity. 



Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have disputed accounts that I have filed complaints with through the CFPB several times and would immediately get a response that no change will be made to the mistakes and never fixed any issues on my credit report and I have inquiries that I have no knowledge of that need to be removed