23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to EQUIFAX and XXXX  XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency " STATUS '' XXXX days past due. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID or Pays As Agrees. Please see the inaccurate reporting of the current " Status '' of this paid closed account on the attachment 1.Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of XXXX Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS XXXX Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes. 
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).

2a ) CLOSED STATUS is not sufficient to inform FICO that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.

2a ) To purposely and willfully report inaccurate accounting is a violation of the law.

2b ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.

2c ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is XXXX Days Past Due and has caused my mortgage scores on both Equifax and XXXX   to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed. Please see highlighted area. 
2d ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform FICO that this account is Paid and Closed under Current STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis, please tell us why this was returned and our request was not processed. 
As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. 
If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? 
If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX  XXXX 2 late payments XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 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: Debt collection

Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. 

I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. 

XXXX is also verifying information they know to be incorrect.
Product: Mortgage

I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners
Product: Vehicle loan or lease

1. XXXX XXXX XXXX XXXX financed a XXXX XXXX XXXX through Exeter Finance for XXXX $ US at a 18.75 APR % **APR State limit for TN 10 % **No income verification **Willingly and Unlawfully mislead XXXX XXXX into a Unfair Loan 2. For 52 months XXXX XXXX XXXX XXXX $ equating to XXXX $ U.S. ( Borrowed amount Payed back XXXX {$3.00}. In XXXX Exeter Finance was sued for Usury by AG. XXXX  office in Massachussets. She secure over XXXX XXXX for consumers in the Mass state for these exact same allegations.- ( XXXX Exeter Lawsuit ) 4. XX/XX/XXXX Corona virus caused XXXX XXXX lost his job as well as extending his licensing process for over 6 months. XXXX XXXX notified Exeter immediately asking for a freeze on account or some kind of extension until the Pandemic eased up and he could get his state license and working again. Exeter denied XXXX XXXX request on mutltiple occassions. 
5. In XXXX/ XXXX XXXX XXXX began to be able to work again and reached out to Exeter once more to pay and they denied allowing him to do so. 
6. XX/XX/XXXX " Subprime auto lender Exeter Finance has agreed to pay more than {$6.00} XXXX in two states for financing auto loans that the lender knew or should have known were unfair. '' 7. XXXX Lawsuit investigation on Exeter Finance has been spread to 36 states. 
8.XXXX XXXX XXXX XXXX XXXX repossessed, company has not reached out to allow him to get belongings from the vehicle such as, Two car seats, electronics and important documents. 
9. XXXX XXXX has also personally bought multiples parts for the vehicel such as Tires, Starter, battery bumper, left side driver door, ball and hitch this is not an all inclusive list.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$74.00}
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 NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

This is a follow-up complaint, to CFPB Complaint XXXX, that I filed to Equifax, about a collection agency falsely placing a collection item on my credit bureau reporting for some {$2600.00}. Since then, in a separate complaint that I filed with the CFPB against that collection agency ( " XXXX XXXX XXXX XXXX '' or " XXXX '' ), they have responded on XXXX that they and their client can not 'confirm or deny ' the accuracy of the account falsely reported to the three major credit bureaus ( see attached ). That is evidence, in-and-of-itself that the account should not appear as a legitimate collection item on my credit reports, but that the collection agent has a duty to investigate it and verify it, and until they can do that, should not in the interim report the item to my credit bureau reports. XXXX, having acknowledged that that can not determine its legitimacy, needs to delete it immediately.
Product: Checking or savings account

XX/XX/year>, I urgently needed to take my cat to the vet for an XXXX XXXX However, when I checked my SoFi checking account, I saw that it was unexpectedly restricted with no reason provided.

I immediately contacted SoFi, but the customer service agents have been wasting my time, giving me inconsistent information, and failing to explain why my funds are being held hostage. I still have money in my account, but I am being told to wait indefinitely with no clear resolution in sight. Ive spoken with multiple agents, and each one seems to be telling a different story, which is making the situation worse. Additionally, it appears they arent taking thorough notes to understand or fix the issue. 

This situation is highly frustrating and is causing unnecessary stress during an already urgent situation.
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 8 and 9 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. Please change the coding to I1. 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute this information on my credit report. Day of first late payment is incorrect. Please delete from my credit report. This account is older than 7 years.
Product: Credit reporting or other personal consumer reports

Transunion has locked my freaking online account, refusing me access to my credit file, refusing me the option to dispute any inaccuracies. XXXX XXXX the supervisor told me I will not be given access to my credit file. How is it legal for them to block me from seeing my credit file disputing my credit file. 

They say I was victim of fraud but won't let me see the fraud so I can dispute it and have it removed. I've called several times. He refused to get a sup
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : 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 with 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

Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX Over two years ago XX/XX/XXXX we refinanced our office building with Chase Bank. On XX/XX/XXXX. I was contacted by XXXX XXXX XXXX from Chase Bank that I needed to come in to sign closing papers for the office we already did two year 's ago. I went in to see XXXX XXXX and he wanted me to resign the closing papers for our office that I already signed & I thought we had already been to closing, XXXX XXXX XXXX told me that they had lost the paperwork and it was never filed and they never used a title company. So, I told them I wasn't about to sign anything until I had an attorney look at it. So, I told a friend of mine who is a realtor about this & he put me in touch with a tile company XXXX XXXX at XXXX XXXX XXXX. XXXX searched the title and nothing had been filed at the recorder by Chase Bank. The original lien holder XXXX XXXX that I had paid off was still there as lien holder. I went through the contract that Chase Bank XXXX XXXX wanted me to sign and they had changed it all up from the original contract XXXX years previous. The Colorado XXXX XXXX XXXX XXXX XXXX, XXXX Said that Chase Bank has lost the original release of lien from XXXX XXXX and that is a problem. I tried over & over to try to get Chase Bank to take care of this matter. My attorney XXXX XXXX contacted XXXX XXXX XXXX & XXXX XXXX with no response. XXXX even sent a demand letter with no response. I got the point where I can not continue to pay an attorney. My attorney even gave me a break on my bill because he felt sorry for me. I guess Chase Bank is so big they don't have to reply to anyone they don't want to. I still pay my monthly payment on time, I've never been late. They charged me closing cost & filling fees that were never performed/filed. 

I told them if they would use the original contract as well as pay my attorney bill I would sign it. 
Chase Bank, XXXX XXXX XXXX ( XXXX ) XXXX & XXXX XXXX ( XXXX ) XXXX will not respond back
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my FTC identity theft report, my ID that both verifies my personal information as well as my CURRENT address.
Product: Checking or savings account

I received notification from XXXX XXXX about a large purchase at XXXX on one of my credit cards. I immediately noticed my wallet was missing. So I began frantically calling my card carriers to freeze my accounts. I contacted XXXX XXXX, whom I have a debit card with, at XXXX XX/XX/XXXX. I spoke with a woman, I stated my card was stolen. We went over my purchase history, changed my home address and I believed the card was frozen and a new card was sent out to me. I was on the line for approximately 10 mins. Shortly after reviewing my account I saw 2 charges from XXXX on my Navy Federal card. I quickly called Navy Federal at XXXX, spoke with a gentlemen who said he noticed I was being sent a new card and was going to review the two fraudulent transactions. Sending me a case note in my email. Husband calls Navy Federal in the evening asking why those charges that apparently happened at XXXX even went through considering I was already off the phone with Navy Federal believing my card was frozen. It was stated by a superior at Navy Federal that they claimed I only contacted them after XXXX and the card was frozen at XXXX. We asked for transcripts of the calls and they stated only police could subpoena those calls. Considering the card shouldve been frozen before those charges were made. I lost over {$1300.00} in less than an hour with Navy Federal and to know two large purchases of $ XXXX and $ XXXX were approved at a store I dont even shop at has me reeling. I cried to the man because this is the scariest thing that has ever happened to me. I reported a card stolen was sent a new one but the card was never frozen? And I get penalized and have to wait up to 45 days for the money back or resolution to my case.
Product: Vehicle loan or lease

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Debt collection

I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.