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

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
Product: Credit reporting or other personal consumer reports

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet Experian, XXXX, and XXXX continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that XXXX XXXX submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to XXXX XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Mortgage

My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX an account was opened in my name without my permission with XXXX XXXX  XXXX i never applied for this account and never used this account it was opened fraudulently i called the company and they said is there system so i have to pay account number XXXX the amount {$4800.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continuously reports inaccurate information to the credit reporting agencies that are listed on my credit report, after requesting proof of validity and verification multiple times. 
I am asking that XXXX XXXX remove this erroneous and inaccurate information from my credit reports.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$710.00} Money Lion ending in account number XXXX opened XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$7600.00} Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, 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 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 reporting, credit repair services, or other personal consumer reports

I have an account with Experian to track my credit score.

They send email notifications without the option to unsubscribe. 
Per the CAN-SPAM Act, there should be an unsubscribe link in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Mortgage

On XX/XX/2019 I filed a dispute through XXXX as the account was still reflecting open with an outstanding balance. The property was previously sold and the mortgage was paid in full. On XX/XX/2019 I received the results of the dispute and New Rez reported to XXXX that the loan was foreclosed on in XX/XX/2019 and the account was closed in XX/XX/2019. This information is incorrect. The loan was never late, nor was it ever in foreclosure. XXXX 's dispute results indicated that I should reach out to New Rez regarding the results of this dispute. I call New Rez on XX/XX/2019 and they refused any assistance and advised there was nothing they were willing to do and only offered that I file another dispute which can take up to 30 days. I am in the middle of purchasing a new home and this inaccuracy may cause me to not get the loan I am applying for.
Product: Mortgage

5th 3rd Bank purchased our mortgage. We have attempted to make payments over 20 times. Every time we call the multiple phone numbers available online and in the paperwork sent to us, we receive rhe same message : " our call center is closed, please try again later. '' The hours they state are XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. We have called multiple times in this window. We have sent in their automatic payment set up form via mail with receipt showing received. They have not responded to us in the entire month since they purchased our loan despite multiple efforts to pay.
Product: Vehicle loan or lease

I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.
Product: Credit reporting

Transunion is removed XXXX inquires and a collection account from my credit report however the information has now been reinserted. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item- I was never notified!
Product: Consumer Loan

My wife and I went into Ashley Furniture in XXXX Florida town center. They approved both of us for a loan for {$1600.00} a piece. We picked out bedroom furniture and a mattress and put down {$1500.00}. We signed the papers and went home. A couple of weeks later we got a letter in the mail stating we only got approved for {$1500.00} a piece. I called and they told me to wait till the furniture was delivered in a few months so the account would show the difference. I wanted to cancel and was told it would be a {$1200.00} restocking fee.I told the manager why would I pay {$1500.00} dollars and get approved for {$1600.00} only to get my furniture delivered and be in the hole. I would of never walked out of the store knowing that. I wouldnt of signed the papers and went else where. It also showed up as over the limit on our accounts. l told them it would and hurt mine and my wifes credit. I cant believe they do people like that. I have been working on my credit for a few years to get an over the limit action on our account that isnt our fault. I feel Ashley Furniture was very deceiving in how they done us and its unfair to be treated like that. I knew once the payments where due on t h e accounts I wouldnt have enough money to pay the over the limit fee and both our monthly payments. I did pay our agreed amount and was jacked with an over the limit. I would of never in my right mind sign up for something like that. Please help me stop the big corporate guys from misleading hard working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).
Product: Debt collection

My name is XXXX XXXX I need to dispute this account I didnt open or authorize open in my name its is fraudulent and dispute the account as fraudulent unauthorized open and dispute the whole balance on it and the account number is XXXX so please dispute it for me and close the account out in yall office so yall cant try to collect from it again and send it back to XXXX  etc and send me all the updates to XXXX and XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Mortgage

I am the XXXXXXXX XXXX of an XXXX. My fathert had a reverse mortgage on his home at in XXXX XXXXXXXX XXXX, being serviced by Carrington Mortgage Services. Upon his passing in XX/XX/XXXX  I contacted Carrington ( in XX/XX/XXXX  ) to find out what our option were. They told me that a 6 month extension was automatic, and interest would accrue at {$1100.00} per month as long as the property was for sale. As instructed, we installed a for sale sign and started showing the property to prospective buyers. We never received any additional information or communication from Carrington. During this deferment period, Carrington raised the monthly payments from {$1100.00} to {$1600.00} ( 47 % increase ). They also pushed the property into their foreclosure status in a scheme to add legal fees. First claiming they were not required to forward " sensitive '' documents to me, then later claiming it was because they didn't have proof of marketing, even though they sent a person out each month to photograph the for sale sign. 

At the end of the six month period, in XX/XX/2023, I called Carrington to find out what we could do. It was at that moment I was informed the property was referred to foreclosure and the monthly payments had been increased by 47 %. 

Either they misrepresented what the requirements were, or they knowingly withheld the specific details as part of a scheme to push the property into foreclosure to collect additional legal fees. 

At the very least, Carrington and its agents were deceptive in telling me the estate had 6 months @ {$1100.00} per month to sort everything out. That {$6600.00} expectation turned into a $ XXXX bill from Carrington at a time when our family was vulnerable and grieving. 

We were required rush out to obtain financing, resulting in a higher than normal origination fees and interest rates, all in the effort to keep Carrington from stealing our fathers house. 

This isn't right. We never even had a a real chance to dispute the charges. They just added all these fees on to the payoff.
Product: Credit card or prepaid card

In XX/XX/2023, I let someone use my phone to login to there accounts, such as XXXX XXXX, XXXX etc. She added her XXXX account onto my XXXX  XXXX and wothin a day or XXXX i staryed getting push messages from my paypal account it's now Negative {$100.00} that was added to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wasnt able to use my same day opened XXXX XXXX  account I also have a shared account with my husband at XXXX XXXX XXXX. Transactions from Paypal were being transferred from XXXX account to someone else 's? I spole with XXXX app XXXX via messaging and he asked questions but didn't do anything automated? I can not access all of my credit card, debit card, checking & savings acounts do to switching from t mobile to XXXX XXXX. My ssn is compromised. Get me a new identity and off the XXXX XXXX. With all do respect please get me my money back. I shouldn't have to clean up some else 's mess.