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

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX XXXXXXXX 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

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.
Product: Checking or savings account

I currently lost my debit card. I barely use my debit card, as in the actual card. I normally use XXXX XXXX  instead of actually swiping my card. Comes to find out my card is actually missing. I wake up, getting ready for school and look at my account and its money going through my account. Im very confused so I called up the bank and told them to block my card. They told me a fake check was written in my name for XXXX so now I owe the bank XXXX. In my name. I dont wan na go to jail for somebody elses mess. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get these Unauthorized Inquiries off of my XXXX credit report, 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 XXXXXXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Product: Student loan

MOHELA, my student loan servicer, is unavailable due to hours long waiting times on the phone, does not respond to written requests within their web platform other than basic form letters that do not address my issues, and has maintained faulty records regarding my student loans and PSLF status. 

This company should not be in charge of repayment as they are incompetent, unaccountable, and functionally unreachable. 

I have called the XXXX XXXX XXXX help numbers, and twice been told ( since XXXX of this year ) that yes, I have indeed completed more than the required XXXX payments towards forgiveness in the XXXX program while being a fully, annually verified, public high school teacher for over XXXX years, and that I should call MOHELA. I am now in limbo, because of the SAVE pause, along with the apparently mythical one-time count adjustment that over a year ago should have aligned and counted all my payments correctly ( about which MOHELA XXXX told me to call Federal Student Aid ). 

I, like many, have been given the run-around, been disconnected on the phone while being " transferred, '' and been misadvised, more than once. It has significantly impacted my life in a very negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX  and equifax to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies
Product: Mortgage

I received an email today from Quicken Loans informing me that my loan servicing is being transferred to XXXX XXXX XXXX. Furthermore, Quicken Loans has offered customers only two weeks to make payment changes and communicated this to customers today via email ( as of XX/XX/15 ). No official written notice has been received by regular mail as of today ( XX/XX/15 ). 

The email states that after XX/XX/XXXX Quicken Loans will not accept payments and all payments need to be sent to XXXX XXXX. They do not provide a phone number or email address for XXXX XXXX. 

This short notice ( two weeks ) provided to customers is unacceptable. Most customers may never see the emails and in all likelihood will miss the deadlines. This, in turn, will result in late charges, service charges, payment due notices, etc.. Basically, a lot of unnecessary stress and burden placed on their loyal customers. Not to mention the economic gain from late charges, etc. 

I am not opposed to Quicken Loans selling the servicing of the loan. I am disappointed at them not being upfront ; I am disappointed that they did not provide advance notice with a reasonable amount of time ( at least a month or two vs 15 days ) ; Furthermore, they provided virtually no contact information ( email or phone number ) to the new entity. Only a PO Box mailing address.
Product: Student loan

XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I look I get a hard inquiry from XXXX. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
Product: Debt collection

CREDIT CONTROL CORP has violated my rights under 42 U.S. Code 1320d6- Wrongful disclosure of individually identifiable health information. I am requesting proof of original contract because my Health Information was sold to this Collection Company for profit. Clearly understand that I am not requesting a verification that you have my mailing address, I am requesting a validation ; Or in other terms, competent and complete evidence that I have some contractual obligation to pay you that not verification of debt.

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

They didnt inform customers that they were going to change the bill pay pages. I have setup future payments previously, but now I see they have a different format and I cant see the payments I had set up. Now I dont know if Im double paying or not paying at all. Which may cauce damage to my credit score. Im in the blind with my payments. I dont know why, at a time when people do not trust banks, why they would do something like this. I had no complaints before. Who decided to do this? Why would they change what was working. I dont trust this bank anymore and plan to change to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, about XXXX XXXX, I called Equifax after XXXX reported an incorrect Equifax balance on my existing home mortgage. My mortgage balance with XXXX  is {$83000.00}. The report I saw said I owed {$110000.00}. When I called Equifax, I spoke with someone named XXXX ( first name only, wouldn't give last name ). I gave him my social security number, address and other personal information. My only desire was to have him check with XXXX  and verify the amount I actually owe, and fix it if necessary. He insisted on much more information about my credit history, " to verify who you are. '' It seemed to me that I'd be on the phone for at least half an hour with him, giving detailed information about credit cards, other accounts, etc. I found this not only unnecessary to accomplish the task at hand, but a little suspicious and I was not willing to share further information. All I want to do is correct the information about my mortgage on my credit report. Can you help?
Product: Mortgage

In XXXX, I got behind XXXX mortgage payments and when I had the funds, I sent them to the lender, M & T Bank. They returned XXXX payment and who knows what they did with the other. However, during this time, they mailed me paperwork to complete. Unfortunately, just a few short months after I began this process with them, COVID led to my husband being out of a job. We were extended relief during that time. 

I have around XXXX e-mails sending information, following up, asking for assistance. Every time I sent something complete, they wanted something else. And would not accept payments. XXXX XXXX is their representation and they began foreclosure proceedings, but when I reviewed, they had errors in the filing AND I never received an XXXX XXXX notice. XXXX kept delaying and ultimately withdrew until XXXX. In XXXX of this year, the house was to be foreclosed. I engaged an attorney and filed XXXX XXXX bankruptcy. He took it upon himself to withdraw the stay- I have no idea what he did but he told me well bankruptcy won't help you, you didn't make mortgage or trustee payments. I had not been properly informed of the process ; he led me to believe payments would not begin until the creditor hearing, which HE delayed. I furnished him all the information. Now, I have no idea the status ; the paperwork from XXXX makes NO sense. 

I don't have the money to be hiring attorneys and loan modification specialists. I have tried, since XXXX and through XXXX to attempt resolution. I had income to cover the mortgage then. Fast forward to XXXX when my husband was unable to work XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately I was unable to work myself at one point due to XXXX XXXX issues and court dates etc. 

I think from the beginning M & T did not handle any of my requests, even though they kept sending me packets to complete etc. I HAVE talked to another attorney to sue the last one and take action against XXXX. I personally want an advocate to help me get a loan modification. They kept announcing on their website, and sending correspondence about automatic forbearance and COVID really muddied the water. I am a newly XXXX  mom of XXXX children with my elderly mother living in the home. Foreclosure would displace XXXX families.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

With every monthly payment, I pay some extra payment and payment coupon clearly indicates the extra payment should be applied to extra principal. My contract allows me to pay off the loan without any penalty. As far as I can tell, NewRez is " unaplying '' any extra payment. In XX/XX/2020, I paid {$5000.00} toward my monthly payment of {$1300.00}. I had specified in the payment coupon that {$3600.00} to go toward extra principal, {$78.00} toward the escrow shortage NewRez collect. Instead of applying these payments, NewRez " partial payment unapplied '' all the amonths but {$78.00}. According to the XX/XX/2020 statement they reversed all the " unapplied payments '' and indicated I owe {$760.00} toward my XXXX payment. However, in XX/XX/2020, I sent NewRez {$2000.00}. They again " unapplied '' some portions of the payment and charged me {$54.00}. 
I seriously doubt the company is not practicing the proper financial standards and needs to be looked into.
Product: Vehicle loan or lease

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CREDITACPTXXXX-Balance : {$5600.00} - Date Opened : XX/XX/2019
Product: Debt collection

Went to online school for one semester in the year 2006. 
I put in a loan application for 2semesters but only completed one. They gave me no notice as to what to do but still charging me for the entire 2semesters from 2006.  To today they say i owe them XXXX dollars unacceptable. Help me.
Product: Debt collection

Ive disputed on several occasions all credit card debt this company now holds. My primary concern is the dates opened stated on my credit report by LVNV FUNDING LLC. All of them are not correct. Just the credit cards that I can see. I did not open any accounts in XXXX or XXXX. 
I have had some identity theft concerns due to warnings by apps and companies that help me protect my information of my information being leaked. Im just trying to verify the amounts andThe actual open dates of these cards. 
I havent had any luck via dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX  XXXX Account number:XXXX regarding the account referenced above. I believe that XXXX XXXXXXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria. 

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe thaXXXX XXXX XXXXXXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing.

Request for Documentation : I am requesting that XXXX XXXXXXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  : {$870.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX accounts. I paid the balances down to {$0.00} on both accounts on the same day but 1 of the accounts is still showing late but the account is current. ( The account with the {$500.00} balance ). Please fix this.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With the amount of identity theft going on , I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Discover Credit Card company sent promotional materials for 0 % APR interest on balance transfers from existing credit cards. Offer was received late XXXX via promotional mailer from Discover. Respond by XX/XX/2023 - options included online, phone, CHECKS or mobile app. 
On XXXX XXXX my response was to use the checks online to transfer credit card balance from XXXX XXXX. Terms were 12mos at 0 % APR and 3 % promo fee Transfer came through no problem -- I thought, however, received first statement with the balance transfer as a CASH ADVANCE along with a {$75.00} cash advance fee and 28.74 % APR. 
Called Discover in attempt to resolve this issue as it was not my understanding of how the balance transfer was offered on the promo mailer. This was unacceptable. First service rep escalated to a supervisor that person refunded a couple of interest charges then transferred me to a manager for further resolution. He could not reverse the transaction to a balance transfer and that I would have to pay the cash advance off or continue to receive the remaining interest rate for that transaction. No where on the promotion with the checks did it state that this would be a cash advance but a balance transfer with 0 % APR for 12mos. 
On a separate note along with the checks on the back side at the bottom of the page was a statement regarding limitations or details I should know Otherwise, he could not help me reverse the cash advance transaction from the way I had entered the balance transfer by one of the checks provided. I should have sent the Discover paper check to XXXX XXXX for the credit card balance I felt this was totally misleading a consumer
Product: Credit card or prepaid card

CAPITAL ONE BANK has again violated my rights and has openly admited to knowingly and willingly dicriminationg against me based on information they recieved from a third party agency without my consent or knowledge. I DID NOT ask CAPITAL ONE BANK to re- evaluate ANYTHING in my previous complaint. Yet they took it apon themselves to ignore the actual complaint and violate my rights under FCRA. I did not consent to Capital one sharing my personal information with any third party credit monitoring agency. I applied for credit using the information necessary to do so. CAPITAL ONE gained from using and sharing my information and then denied me credit. When asked to provide information on why this happened, They proceeded to AGAIN share my personal information with a third party non government agency without consent and deny me for a second time. This is unauthorized use of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''
Product: Credit reporting or other personal consumer reports

My company XXXX XXXX XXXX XXXX has a credit builder account with NAV which we have consistently made on time payments to for almost a year is reporting to the business credit bureaus that my business credit score has decreased by XXXX points from XXXX to XXXX without cause and I demand that the company makes the appropriate adjustments to our business credit score immediately. Thanks for for everything in advance because I trust that you're company will handle this matter abruptly.