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

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30  days late for XXXX and they have repeatedly refused to fix this.
Product: Credit card

Again first complaint FALSE ADVERTIZING apply nob impact on credit profile since three hits on my credit profile in three days
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX Not putting my payments towards my loan. Breaching my contract.
Product: Debt collection

I paid the balance with the agreement it would be removed from all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard inquiries.
Product: Mortgage

Bank of America hired a foreclosing company called XXXX to foreclose on me XXXX was never licensed in AZ Became illegal matter Bank of America owes me my money back Bank of America keeps delaying the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Founders XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

They hold the payment 24 hrs before applyig to acct
Product: Credit reporting or other personal consumer reports

Experian is in violation of UCC with fraudulent charges made on these accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to access my Loancare account since XX/XX/XXXX. I have not been able to login, just get a blank screen. There is no information on the website. I received no email communication. I have not been able to get responses by phone or email. The one time I got through on phone, I was told it was only a " technical issue '' and would be resolved by the next day ( XX/XX/XXXX ). That has not happened. They were not able to give me any information on late fees being incurred or late payments being reported. 

I was only able to find information about the security breech from the media. This was never communicated to me by Loancare themselves.
Product: Debt collection

On XX/XX/2019 I received a notification of debt letter from Pacific Collection Group stating that {$960.00} in debt has been assigned for collections by their agency. The original creditor was not named in the letter and I have absolutely NO knowledge of debt in that amount whatsoever, and I am aware of all of my debts both up to date and in collections, this is not one of them. I followed the federally mandated 15 U.S. Code 1692g, which allows 30 days for a person to dispute such a letter and requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I sent this typed & signed request for verification on XX/XX/XXXX back to the agency and never heard back from them. In XX/XX/XXXX the supposed debt appeared on my credit report, now with the name XXXX XXXX XXXX ; same debt amount and same account number as the previously stated notification letter from Pacific Collections. I filed a dispute via XX/XX/XXXX and somehow the dispute was decided in the agencies favor within only 2 days ; unchanged. This company, by law, is required to send verification of this debt if requested by accusedin writing, however such verification was NOT sent, And still has not been. I called and left them voicemails requesting more information and have not received any phones calls or emails or mail. 
The address as stated on the original letter notifying me of this collections account was : Pacific Collection Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX And now as printed on my credit report the name and address have changed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I do not owe this debt ; that I know. The law gives me the right to know what this agency thinks I owe, why, when, from who and all other relevant details in order for me to deal with it. The law so far is being broken by this agency. After the request letter I sent, the voicemails I left and the dispute I filed with XX/XX/XXXX I dont know what else to do about the injustice of this collection account.
Product: Student loan

I have contacted Sallie Maes Customer service department of the advocate who pushed me to Navient as they claimed my loan was sold to them, therefore have no records. BUT, its Sallie Maes name on an income execution that is the main issue. Loans that were discharged over 10 years ago are being collected on by a XXXX and XXXX XXXX. This company was told over 10 years ago to stop collection and now that Sallie mae has no records, they proceeded with the collection and went to court to get a default judgement, never serving me paperwork in the process. I was never given a chance to defend myself. I am being sent from Sallie Mae to Navient and not getting any help. I received the paperwork on garnishment on XX/XX/XXXX and it starts XXXX days from XX/XX/XXXX according to the paperwork I will attach here. There are XXXX total garnishments they filed for, all of which Sallie Mae stopped collection on. My email to Navient is as follows : Hi : My name is XXXX XXXX and I received paperwork yesterday from the XXXX XXXX XXXX office that my wages were being garnished from an old Sallie Mae loan that was XXXX from a rep over XXXX years ago. 

The company who filed this under Salle Mae is an operation named XXXX and XXXX, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX. 

My complaint is as follows : 1. I was never served nor told of this lawsuit being filed ( I contacted the court to determine the next step, filed a complaint with the XXXX State Attorney Generals Office and filed with the XXXX  and Consumer Advocates ) 2. This debt was discharged over XXXX years ago and now they are collecting under Sallie Mae , Inc as Administrator and agent for XXXX XXXX XXXX XXXX XXXX XXXX 3. After speaking with Sallie Maes customer advocates office, I was told to contact Navients 4. Last time this actions took place, XXXX and XXXX was contacted by Sallie Mae 's Consumer Advocates office to stop the process while they got things figured out and then stopped collection as these loans were discharged as not mine. 

5. My attorney has advised me of steps we can take if Sallie Mae or now Navient, does not stop this collection as it was done by going around my legal rights Please, contact XXXX and XXXX and stop this process so this can be finally ended! It stopped in XXXX or XXXX, as the loans were discharged, then I got paperwork saying collection ended. I don't have this letter as its so long ago but it must be in your system. 

I know XXXX and XXXX can be contacted to stop this as it was done before and the Sallie Mae rep said they were a new company so they had no records of me, but you would. 

I can be contacted at XXXX to answer any questions, but I am also attaching a copy of XXXX of the XXXX Income Execution docs sent to me from the Sheriffs office and received by me yesterday for you to use. If needed I have all XXXX that can be sent. 

Thank you and time is of the essence as they are collecting this XXXX days after XX/XX/XXXX. Please at least get this paused while you search to get this figured out, as this ended XXXX years ago. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account was opened fraudulently in my name through XXXX / XXXX earlier this year. I learned of this from a credit alert something like a month after the account was opened. I immediately contacted the creditor, as well as the three reporting agencies, which wasted a lot of my time. I have young children and a demanding job, and this sort of thing truly damages me as it takes time that I truly do not have, to try and fix it. The creditor was extremely slow at resolving the issue, and the credit reporting agencies were uniformly useless in helping me to resolve the issue. After maybe 2 months, and many, many phone calls and e-mails, XXXX XXXX XXXX finally issued me a letter indicating that the account was fraudulent and that they were closing it. I had already disputed the account many times with the credit agencies, and they had determined repeatedly to leave the information on my credit reports. I sent the letter from XXXX XXXX XXXX to all three credit agencies after receiving it, in support of new " dispute '' instances. One of the agencies ( I think XXXX ) responded appropriately and removed the account from my credit report. Experian just sent me an update today, indicating that they were not removing the account from my credit report!!! What?!? I am beyond frustrated with our credit reporting system. I believe that the right resolution here would be for Experian to compensate me several thousands of dollars for my lost time dealing with their inability to do their one job. I have indicated to them in disputes that they are broadcasting false information about me, and thereby damaging me personally. They continue to passively damage me due to their negligent and disrespectful handling of my information, and their executive management should be held to account for that. I hope that CFPB can help me resolve this, and ideally punish Experian for this unlawful behavior, in a way that makes them correct their practices. I'm sure I'm not alone here, and would gladly support a class-action lawsuit against Experian for this kind of unlawful behavior- this seems like the reason the FCRA exists XXXX and it needs some teeth. Experian should not be able to passively damage individuals due to their negligence, and they should be shut down permanently if they can't be swiftly corrected. I'm similarly awaiting resolution from XXXX for the same problem. How much personal time should I lose on phone calls, e-mails, and so many online systems each with their own credentials and nonsense - to fix a problem that was created by some creditor 's inability to apply proper diligence before issuing credit? This system is busted and I think the resolution will ultimately require class-action punishment of credit reporting agencies, until they get their act together or go out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services , LLC. has engaged in several violations of federal law. I have contacted them countless times in the past to resolve these issues amicably. However, they refuse to take all my demanded actions that are my rights as a federally protected consumer pursuant to the Fair Credit Reporting Act under Title 15 Chapter 41. I have begun my private administrative process against this company and have attached my first Affidavit of Truth I sent to them.
Product: Checking or savings account

My account XXXX my name is XXXX XXXX XXXX XXXX XXXXmy address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took XXXX XXXX from me when i had it sent to account for checking to debit card there was three occasions he later quiet
Product: Credit reporting or other personal consumer reports

NewRez/ShellPoint Mortgage Services ( NR/SMS ) never applied my mortgage payments made on XXXX XXXX, XXXX XXXX, and XXXX XXXX to my balance on time. I've disputed this with them on multiple occasions and continued to make my monthly payments. They applied these payments to my mortgage, despite the payments clearly indicating what months they were for. 

The company returned my funds to the bank in XX/XX/XXXX, and I resubmitted my payments immediately. However, NR/SMS filed a negative credit history of XXXX consecutive XXXX missed payments with the credit bureaus. I've tried multiple times to fix my credit reports with the XXXX bureaus, repeatedly, but to no avail. The company deactivated my account after I sold the property in XXXX XXXX, and I have no way of contacting them directly for a remedy. 

I continue to file complaints and disputes, but they are not successful. I want any negative impacts on my credit reports from NR/SMS to be removed immediately. It is preventing me from qualifying for a new mortgage and directly hurting me and my family.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When I closed on my mortgage my understanding was that my mortgage would automatically be deducted from the account provided. During those first months I tried to register and login to my lenders website at loandepot.com but my account information was not recognized. The phone lines were hours long waits. Eventually I stayed on the line and found out my account was past due 30 days. The associate walked my through registration at loandepot.com/loanadministration, which wasn't intuitive. I XXXX  the account that moment. 

The nearing the next payment I checked the site to find {$0.00} due, which did not seem right, I called to doublecheck my account were current and enable auto-payments. The associate assured no balance was due and that auto-pay was enabled. I was then pinged for 30 days late again. I have been and followed all of their processes for resolution. I have spend hours on hold just to be transferred. They has me send internal messages, use live chat, send faxes, send metered mail and wait long lengths for replied. They would only reply " The payment was made 30 days late ''. But my inquiring to them was addressing the misinformation I was givent. 

I feel these should not be on my credit report because I was able and did make the payments when I was able to view the balance. The website showed a {$0.00} balance, the associate assured me the balance owed was XXXX, and that autopay was setup.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app block inc. due to inadequate customer service and unfair practice, which violates the consumer financial protection. Specifically cash app failed to take timely and effective measures to prevent and protect from fraud on their platform, leaving my account open and unprotected. Their dispute system process was unfair and deceptive, they did not comply with errors resolution requirements under the Electronic fund transfer act and regulations
Product: Debt collection

In XX/XX/2022 I was served with court documents to answer to a debt with XXXX XXXX XXXX that they were trying to sue me for. I don't have any debts with this company. Due to the fact I have never been sued before I had contacted the company to ask what this was about and they just told me it was a debt that was owed to them. I never owed a debt to these people they can after me threatening a lawsuit against me. Originally the company that I reached ( XXXX XXXX  ) Synchrony Bank told me that they sold my information to XXXX XXXX XXXX and that they had written it off. Also during that time I had my credit reports all shutdown because they were fraud being done under my name as well. I tried to work out something with them but they refuse and decided to persue trying to sue me after I have repeated to them numerous of times that I don't have anything to give them. I told them that I don't have any money and that I lost everything due to COVID but also I knew that there was a bill passed where If you had a certain amount of medical debt it would be wiped away but unfortunately this company still came for me for XXXX and then additional XXXX for court fees anyway. I tried to work out a lower amount with them and they refused so they told me I had to pay {$100.00} a month until its paid off. These people are scamming people out and something needs to be done about it I told them that I would try and pay that amount knowing that I don't have it just so I wouldn't go to jail. My parents as in the process of.helping me get a attorney because of how they mishandled this when situation. There are numerous complaints with the XXXX XXXX XXXX about this company doing illegal tactics and harassing people as well. All of the complaints are saying a lot about what I am saying too but now I seeking action against them soon for this I had no idea on how to properly handle the situation at the time I have attached all my supporting documents to why I should not be responsible to pay this company that
Product: Credit reporting or other personal consumer reports

It was a data breach, and my information was leaked due to the major data breach, and I would like for you to fix and protect my credit due to the leakage of my personal information such as my name, my raise my gender, my XXXX, my Social Security number, and my date of birthIt has been leaked on a black web, and Im demanding my credit to be fixed due to the big credit companieswere leaking my information and now my credit and identity is in jeopardy and Ive seen my information come up on the Black web. Which led to me being a victim of identity, theft a many of times even with getting my state ID someone had my information and lived as me for about two years. 
The amendments expand the definition of breach of security to include unauthorized access to personal information regardless of whether it can be shown that the bad actor acquired the information. Prior to the amendments, Pennsylvania law required notification if personal information was accessed and acquired. The new, broader definition of a breach of security ( similar to many other states ) requires organizations to notify affected individuals and authorities even when data is only accessed. This change acknowledges the pervasive threat of ransomware attacks and other cybersecurity threats : data can be compromised without being exfiltrated and threat actors have sophisticated means to conceal technical evidence of their actions. This change heightens compliance and liability considerations, emphasizing the need for organizations to adopt robust cybersecurity measures and a comprehensive incident response plan to address the complexities of unauthorized data access.
Product: Consumer Loan

I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The XXXX.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B :  XX/XX/1970
Product: Money transfer, virtual currency, or money service

Received a payment thru zelle, my zelle account has been verified for years as is the sender 's, they are now starting to hold funds without permission or notice. Anywhere from a day to 6 or more days. This is supposed to an instant payment system and now they've taken it upon themselves to hold the money while they make interest on and I am waiting for my " instant payment '' for days.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items to be reinvestigated immediately. The inaccuracies are highly damaging to my credit score. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Payday loan, title loan, personal loan, or advance loan

Conns XXXX XXXX keeps stating on my credit report that my balance is much higher than it is. 

I took out a loan for a washer and dryer for a total of {$1900.00} Several times Conns has updated my loan on my credit report for several balances higher than the original amount. As of XX/XX/year>, my balance on the account is on time, and balance remaining as {$1400.00}. 

I have disputed this with the credit bureaus and it keeps changing balances. It is essential to my career to maintain a credit score and this has affected my debt to income ratio. 

Today, after a previous dispute and it was corrected, they reported my balance as {$2900.00} with an original loan amount of {$3300.00}. 

MY BALANCE IS {$1400.00} THE ORIGINAL LOAN AMOUNT WAS {$1900.00} OR LESS DUE TO A DISCOUNT FROM THEM DAMAGING IT TWICE. 
I need this company to report CORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Services has filed 3 corrections to XXXX regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XXXX  claims Ocwen confirmed the report of 30 days late. Ocwen claims what XXXX claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.