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

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 


Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted. 

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer. 

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) cordially 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 XXXX Account Number : XXXX Account Name : XXXX / 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: Student loan

Was in IBR repayment plan. 
Applied for rePAYE through XXXX rePAYE application was approved. 
After this, a {$5.00} payment had to be paid to transfer into rePAYE. 
Despite being signed up for direct deposit, autodraft payments, the payment was never drafted. 
After non-payment, the account was considered delinquent, the rePAYE approval was denied and it has been a nightmare to correct.
Product: Credit card or prepaid card

I have made all payments to credit card and they say that I have not made the payments for XXXX and XXXX of 2022. As a result it keeps showing a balance which are the late charges. I have faxed proof of payments 3 times and I have mailed hard copies on 3 separate occasions ( one being domestic Return Receipt from USPS ) of the proof of payments from my bank showing that it was paid on time They told me that the first fax was not clear so I mailed them the clear copies and they fail to update my account. I am afraid that my credit score will lower because of their mishandling of my account. The last conversation that I had was with Account Manager XXXX in the beginning of XXXX and she assured me that she would call me back and I have yet to hear back from her. This has been ongoing since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having an issue with Equifax not correctly reporting my trade-line with my car loan from XXXX XXXX XXXX, despite XXXX XXXX being able to correctly report the trade-line. Not only has Equifax not reported that I've made a single payment since XX/XX/2018, they are reporting that I am adding debt to this car loan, when in reality I've been paying it down with each payment. In return this damages my credit score and when I try to initiate a dispute with Equifax to fix it they ask me numerous ridiculous 'account verification ' questions about old trade lines and payment amounts including having an address in there for me that I've never, ever lived at and I've even told them that before. I know I answer these questions correctly, yet they still say they can't verify my identity and attempt to make me jump through multiple more hoops to submit a dispute. This is all to prove my identity when in the end this nightmare is simply because of the inaccuracy of the information on their end. And, naturally, it's virtually impossible to reach a real person to resolve any of this mess at Equifax. This is ridiculous and they shouldn't be allowed to have oversight over people 's credit reports if they can't report it accurately or have any accountability.
Product: Payday loan, title loan, or personal loan

We obtained financing for a bathtub. Began making payments. My husband lost his job. We became delinquent in repaying our outstanding debts. We began trying to dig ourselves out of a hole but were negligent in getting back on track with this loan. We were later in the process of trying to refinance our mortgage to lower our interest rate when we discovered that the creditor had placed a XXXX lien on our home so we were not able to refinance. Since then we have attempted to come to an agreement with the creditor. They continually refer us to a third party credit collection agency. However the collection agency is not empowered to negotiate the amount, a repayment schedule or a payoff amount. They have refused to submit our offers to the original creditor unless they fit into a very narrow definition basically a full payment of the loan in one or several installments. The creditor has been charging us 21 % interest on the loan. We are unable to payoff the whole amount at this time and would not be able to cover the interest payments with a monthly payment plan. The creditor will not allow us to come to an agreement with them if we were to arrange to sell the house and would like to make arrangements for a settlement with them. I finally made contact with them but we were told that someone would return our call and contact us to discuss arrangements. No one called back. Instead they escalated the severity of our delinquency on our credit report, changed the status of the loan to in collections and have damaged our credit even more at this point. We are no longer able to obtain financing to purchase a new home. We feel like we are between a rock and a hard place. We actually need to purchase a new home that will accommodate our XXXX. But we can not do so without making arrangements to payoff this debt and improving our credit score. However, negotiations are essentially being refused. We have no leverage and they apparently have no motivation to talk wit us.
Product: Debt collection

The circumstance began when the Indiana Department of Revenue started reaching out to me to collect a debt from a previous employer of mine. The Indiana Department of Revenue contracted with a company called " Premiere Credit XXXX '' to use tactics to collect my old employers debt while I was working with the Indiana Department of Revenue to have me removed from this account. The Indiana department of revenue removed me as a liable party in XXXX 2015 and Premiere Credit continued to collect the debts after this period until they closed the account in XXXX 2015. During this period of time Premiere Credit notified me that they were trying to collect a personal tax debt that I did owe. Premiere sent a garnishment to my employers payroll company. Premiere did not communicate to me that there was this additional debt other than the debt that I had been released from. As soon as I verified this debt to be true it was paid within 2 days of that verification. Premiere had told me that they sent a release to my employer immediately after I paid the balance. Premiere did not communicate the release of the garnishment to my employer for a week after they had told me that they had sent it to my employer. I had to call more than 4 times to premiere and my employer each to verify that the garnishment release had been received. The representatives from premiere were not helpful and disrespectful when I asked for the release to be sent and they would not provide me a fax confirmation that they had sent the release.
Product: Mortgage

Mr.Cooper ( Nationstar ) is a mortgage company that services my mortgage.

There was an NSF fee charged on my account which is more than the scheduled of charges listed on their website. 

https : //www.mrcooper.com/XXXX  They are charging an NSF fee ( {$50.00} ) that is more than the legal amount allowed by the state I reside in ( Ohio ) . 

I reached out to the company to get a refund Via a chat contact on XX/XX/2022. The company representative was unwilling to discuss or refund the excess fee charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part
Product: Debt collection

Back in the early month of XXXX XXXX  I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Product: Mortgage

Ok, prior to Covid-19 I was current on my mortgage and then due to Covid-19 payments ceased due to not being able to work. Because of the executive order to stay home I had not made a payment for 18 months. I applied for a forbearance plan to provide temporary relief from making my mortgage payments. I was granted the forbearance and my mortgage was paused. 

As soon as the restriction was eased up, and work resumed I was willing to undertake the responsibility to make payments as my correspondence indicated. This is still my firm commitment. 

I am not asking for them to reduce my monthly payment just want them to resume my monthly payments as usual and or offer me a " streamline modification ''. I also, offered them {$20000.00} upfront to work with me. However, the only offer I was given in return was either a Deed in Lieu or a Short Sale. I was Denied the Proprietary Modification. I then filed a complaint with the Attorney General 's Office, and this brings me to file with the CFPB.
Product: Credit reporting or other personal consumer reports

You are unable to setup auto payments online with XXXX XXXX unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called XXXX XXXX now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.
Product: Checking or savings account

I opened a business account with Citibank in XXXX XXXX California, I walked in a branch provided all my documents and the acct was opened back in XXXX or XXXX Once I received my debit card I tried to use it, it did not work I called and they transferred to several people and it appeared to work. I tried to XXXX some funds out and it did not process so I had to call again and it was corrected ..Now today I am experiencing the same issue with access my funds and my acct has been restricted due to they are stating my acct was opened fraudaulently. I am the owner of the company and have provided all documentation stating that and they will not release my funds.
Product: Consumer Loan

I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX 

Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record .... 

I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over 90 days ago I requested Experian and XXXX to remove a late payment that they are mis reporting on my credit report. They failed to do a resonable investigation and lied that they had completed their infestation. 

I would like to be sent proof of this investigation that verifies that what they are claiming ( 30 day late payment ) in fact is the case. I am requesting they spoke to and what documents they received to ensure accuracy in what they are reporting. 

I HAVE NEVER BEEN LATE WITH A PAYMENT TO ANYONE. and would like to be shown proof that they received to be reporting a late payment. 



Their late payment shows the following XXXX XXXX. XXXX  30 days late. account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the CFPB about XXXX XXXX having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX. XXXX contacted Experian via certified mail on or around XX/XX/XXXX, and XX/XX/XXXX that there are inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a most recent dispute letter on XX/XX/XXXX to Experian as follows : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. NJ XXXX Date of birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian : Re : Report # XXXX & XXXX Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX Dear Experian : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above Report numbers in reference to the Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Experian credit Report dated XX/XX/XXXX, and XX/XX/XXXX and on the report it is stipulated that the XXXX XXXX information is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still in my credit file with Experian, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX. XXXX. Experian responded on XX/XX/XXXX that the company that reported the information to Experian is accurate. The item was not changed as a result of their processing of my dispute. As a result of their reinvestigation the dispute is not resolved. According to the updated Experian Consumer Report Public Records Information it is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. I verbally confirmed with XXXX that there is no bankruptcy on record with my consumer report. XXXX provided in writing that there is no bankruptcy reported in section XXXX of my consumer records. I contacted Experian to dispute this inaccuracy with verifiable proof and Experian verifies public records through XXXX yet they are violating my rights. This information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Experian refuses to correct this on my credit report.
Product: Debt collection

The collection agency placed a negative report to credit bureau, after I disputed medical bill as being fraudulent.Collection agency failed to inform me about it's intentions to place a negative record in to credit bureau and failed to submit any supporting documentation. Collection agency place two negative reports for exactly the same account after I initiated dispute with credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in XXXX business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX P XXXX