23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

contacted Loandepot in XX/XX/XXXX and requested to pay my homeowners insurance myself rather than having to pay into an escrow account I received a letter from Loandepot authorizing me to do so. Since Mississippi is a homestead state where if you are XXXX years old or a XXXX veteran, I am both, you are exempted from paying real estate taxes. I refinanced the loan in XX/XX/XXXX and closed XX/XX/XXXX, with the first payment becoming due XX/XX/XXXX. My homeowner 's insurance became due XX/XX/XXXX, for 1 year until XX/XX/XXXX, I paid it XX/XX/XXXX, since the closing occurred XX/XX/XXXX, I was obligated to pay the insurance or run the risk of being unprotected until closing which occurred 28 days later on XX/XX/XXXX. Loandepot insisted that I pay the insurance with the monthly note into an escrow account when it was already paid for the year. In XXXX of XXXX, Loandepot began refusing payments and sending my mortgage payments back to me. They sent 3 payments back so I opened a fiduciary account and deposited the 3 returned payments and each payment to date into the account. In the meantime, Loandepot has destroyed my credit by reducing my credit score from XXXX to XXXX by reporting negative and untrue reports. Loandepot is aware that the payments are in a fiduciary account waiting for a resolution to this dispute. This dispute does not rise to Loandepot foreclosing on the property which they are about to do.
Product: Credit reporting or other personal consumer reports

I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of XXXX XXXXthis is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Product: Debt collection

I have disputed this account and reported it as fraudulent account open in my name I advised them that I am a victim of identity theft and have been dealing with fraudulent accounts open in my name, on XX/XX/2023 I received a called from a collection company claiming to be a lawyer for Netcredit and they are attempting to collect on their client behalf. He told me that he see the notes on the account and that if I dont pay they going to sue me and from the looks of it Im not going to do anything. I ask them for the company number that their representing he wouldnt give me the number
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. These inaccuracies persist despite my prior attempts to address them. I am concerned that your dispute-handling process, as detailed in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), may be contributing to this issue.

The following account ( s ) contain inaccurate information : [ Creditor Name ] - [ Account Number or Partial Number ] Issue : [ Describe the specific inaccuracy, e.g., " Account shows as delinquent, but was paid in full on [ date ]. '' ] Correction Requested : [ Explain what needs to be corrected, e.g., " Please update the account status to reflect 'Paid in Full. ' '' ] [ Add additional accounts or issues as needed. ] I have attached supporting documentation to substantiate my claims, including [ list the attached documents, e.g., " payment receipts, correspondence with the creditor, or court documents '' ]. 

The CFPB lawsuit against Experian highlights several systemic issues, including : Failure to conduct reasonable reinvestigations of consumer disputes ( FCRA, 15 U.S.C. 1681i ).

Inadequate communication of disputes to data furnishers, including failure to provide all relevant documentation.

Improper reliance on data furnishers ' automated responses, even when evidence suggests inaccuracies.

Given these concerns, I respectfully request that Experian : Conduct a thorough and reasonable reinvestigation of the disputed information, ensuring that all relevant evidence is reviewed.

Correct or delete the inaccurate information from my credit report.

Provide a detailed written explanation of the results of your reinvestigation, including what changes, if any, were made to my credit report.

I expect to receive a response within the 30-day timeframe outlined by the FCRA. If Experian fails to comply with these obligations, I am prepared to escalate my concerns to regulatory authorities, including the CFPB. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue and improving the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX. 

Experian : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent account opened thru XXXX XXXXXXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.
Product: Student loan

XXXX used to manage my student loans. I had my student loans deferred throughout that period because of hardship and XXXX approved them. My student loans are now managed by XXXX XXXX. Sallie Mae has reported my account to the credit bureaus as negative. This is not a fair practice and has to be corrected or deleted from my credit file
Product: Credit card

I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my credit report that I did not authorize. I have listed the hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being XXXX  but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from Equifax, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ], letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX I purchased a diamond ring at JCPenny store XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX XXXX XXXX his name is XXXX, XXXX   XXXX told me about return policy. I returned a ring back to store at different location and they did not allow me to return a ring she told me " because of commission so we can do exchange '' or returning it back to same store where a ring was purchased. That did not make any sense to me so they did not issue return receipt even they have a ring. I left a ring with a jewelry department manager but no return receipt was given. I am a customer I followed the store policy I turned item with a receipt but they did not give me a return receipt that is the store 's problem. The ring was charged on the JCPenny credit card it is Synchrony Bank ( www.synchrony.com ) the bank has asked me for payment even I have made dispute of this charge due to returned item. 
I have attached documents for your review.
Product: Mortgage

- XXXX XX/XX/year> I proved Rocket Mortgage with documentation of my VA XXXX tax exemption - XXXX XX/XX/year> Rocket Mortgage completed an incorrect escrow analysis - XXXX XX/XX/year> Rocket Mortgage auto-withdrew {$6500.00} finial mortgage payment ( {$1000.00} overcharge ) - XXXX XX/XX/year> Rocket Mortgage transferred my mortgage to XXXX - XXXX XX/XX/year> Rocket Mortgage stated they would not be able to repay the overcharge and that I would have to take it up with XXXX. XXXX stated that they would not be able to repay an overpayments until they complete their escrow analysis. Expected timeline would be XXXX XX/XX/year> for completion of analysis.
Product: Credit reporting or other personal consumer reports

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride. 

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXX nosedive to XXXX. 

A drop in my credit score from XXXX to XXXXXXXX XXXX  over a balance of {$57.00} XXXX seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/year> at XXXX ), XXXX XXXX XXXX on XX/XX/year> at XXXX ), XXXX ( on XX/XX/year> at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( XXXX points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 & XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Product: Student loan

This is my 3rd complaint against Navient. I am trying to consolidate my student loans and I asked them to provide MPN, verification of the debt I owe. They admit in the last complaint that my online account information was incorrect. Quote from Navient 's last response " After reviewing your Promissory Notes ( which we previously provided to you ), we have confirmed that your 16 Stafford Loans were disbursed to the University of XXXX, not the University of XXXX. Your online account at Navient.com was incorrectly showing the loans as being disbursed to the University of XXXX. Please note that your online account has been updated to reflect University of XXXX as the correct school. We apologize for any inconvenience this may have caused. It is important to understand that a consolidation loan is one loan and is serviced as such. The separation between the subsidized and unsubsidized portions of the loan is for interest subsidy purposes only. Therefore, you will see the separation between the subsidized and unsubsidized portions of your Consolidation loan online at Navient.com. Although the subsidized and unsubsidized portions are separated as explained above, it will reflect on your credit report as one loan. Please understand that your remaining concerns were addressed in our response to CFPB case number XXXX-XXXX  on XX/XX/XXXX. Although we empathize with your situation, our position on this issue has not changed. '' The information provided to be thus far from Navient is still incorrect. They provided me with one MPN for all the loans they service. It is not possible that this one MPN covers all loans they say I owe. The one MPN they provide was signed XX/XX/XXXX. It is not possible that this covers all loans. I was an XXXX XXXX during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I completed loan exit counseling in XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX I was a XXXX student at a different institution. My complaint is that the loans they say I owe in XX/XX/XXXX and XX/XX/XXXX can not be covered under the MPN Navient has sent me to this point. How am I suppose to know how much I owe and who I owe it to if Navient doesn't do their job and keep financial records?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt