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

This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to Experian XXXX and XXXX Inconsistent incomplete and inaccurate errors are as following Experian reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all XXXX reports account open no past due no term no payment no past due balance Experian XXXX and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to XXXX
Product: Checking or savings account

It all started on XX/XX/XXXX when I deposited a check and open an account on the same day. I will need to check on my insurance company for a loan of fmy life insurance. I did a mobile deposit like 10 days later the money was in my account that was XXXX XXXX. On that day I realized I did not have or did I receive a bank card so I called and ordered one. Due to the fact I didnt have a bank card I sent money through my account through XXXX XXXX I can get some money so I sent it to some friends because I had no way of getting the money out by Monday, XXXX XXXX they froze my account and said it was due to the check being fraudulent. I spoke to supervisor on the phone that day who told me that the check was from a steel construction company. this made no sense to me at all because the check literally came from my insurance company. They mailed it to me. I had to go through a whole too much process just to get this loan from my insurance company so I knew that there wasnt nothing shady about it and the check said XXXX XXXX insurance on the front. So Im just been waiting and waiting. I spoke to people at the bank XXXX department several times wanting answers but nobody was really telling me anything except that I had to wait in my account was frozen and under investigation. I finally contacted the Fdic because I felt like it was not making sense because they cashed the check but theyre saying that its fraudulent I didnt understand so after I contacted the FdiC, XXXX received a letter from the bank stating that they were closing my account. So I called several times to speak to somebody trying to figure out what was going on with the money that was in my account from the check and I spoke with a lady named XXXX from the fdic and she informed me that the bank was going to have to either give me the money or send it back to the insurance company. I explain to the people at the bank that I got that one because I needed that loan because I was behind on my bills and now Im about to lose everything. In just a few days, Im gon na be homeless. I got that off my life insurance because I needed it and this whole situation is ridiculous because they literally are taking my money and now telling me that theyre keeping it. I cant do anything about it. Spoke with the lady named XXXX XXXX At the XXXX department from Truist who told me that I couldnt get the money back and they were keeping it and they had every legal right to keep it. I dont understand how they have the right to take my money.
Product: Debt collection

This is not my debt. I have requested several attempts for this company to validate this debt with a physical signature of the HIPPA release and a complete payment history.. Sending a bill is not validation. This is a HIPPA violation. I have a right to request documentation with my physical signature. Its evident that this company can not provide proper documentation to collect on this invalid debt. I have been in complete distress behind this company actions destroying my credit. Also, I have filed a complaint with XXXX  as well. Until I receive proper documentation this is a HIPPA violation.
Product: Student loan

My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern all 3 bureau XXXX, Experian, and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Product: Payday loan, title loan, personal loan, or advance loan

I think this is a duplicate complaint. But the last complaint didn't get served properly or something as I reset my password to file the complaint before on XX/XX/year>. I'll ask the XXXX if you have one to investigate. 

Complaint Body : Complaint against : Sezzle DBA www.sezzle.com XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX I contacted the company multiple times via the app chat feature as well as using the email option to inquire and enroll in the company hardship program. The company cited this program exists and fees can be waived in its sec filing. 

Quoting : 'Additionally, Sezzle has a hardship and fee forgiveness program which, dependent on the consumers situation and at the discretion of customer support, allows consumers to have additional fees waived. ' XXXX XXXX XXXXXXXX I am partially XXXX and experiencing financial difficulties and the company refused to respond to my requests for contact in relation to the hardship program and has now due to the disputed predatory fees etc reported an 30 days past due to my credit report. 

I contacted the company in ample time before the credit reporting would be 30 days past due and I did make several payments. Due to the CFPB complaint not getting served on the company and the company 's failure to respond to direct contact I have suffered significant injuries including but not limited to emotional distress and unnecessary financial duress, excessive predatory fees etc. 

Company also retaliated when payments were made via credit card vs debit card and company repeatedly lowered the credit line without notice from XXXX to XXXX approx. maybe less. Causing spikes in Credit Score due to utilization fluctuations. Changes in terms etc, should have proper notice. 

The company is engaging in UDAAP type of conduct in repeated failure to respond to customer contact and is discriminating against the consumer by not properly assisting.
Product: Mortgage

I am trying to get my payoff amount on my loan. I have called numerous times and have had no one answer my call, so I sent a letter XXXX weeks ago, and have not heard back. 
The company is Shellpoint mortgage company.
Product: Debt collection

Every day multiple time a day chase bank credit calls me. I've gotten to the point I don't answer unknown numbers because the calls came from different numbers. I've spoken to the rep. I've informed them of my situation and why I'm behind and verbally reinforced that when I have the money to repay them I will but until my pua appeal and non fraud overpayment gets approved I have no options right now because all my income was taken when pua document didn't get submitted in time. The verbal agreement to try to pay by the 1st didn't stop them from continuing to call multiple times a day wether I answer or not. It is causing me so much stress it's unreal. I know what the issue is and agreed to make it right when I can but they won't stop calling every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collections and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

As of today all loans that I had received while attending XXXX XXXX XXXX have been discharged, with the exception of the {$8800.00} in private loans that I am still required to make payments on. I am one of the students who was a member of the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX XXXX XXXX engaged in a series of widespread fraudulant activites and was investigated by the CFPB. 

Unfortunately, private loans were not discharged or forgiven under XXXX XXXX XXXXXXXX, despite the fact that the lenders were complicit in perpetuating fraud on the students. I would like my loans discharged. The private lenders should not be exempt from the consequences of the same actions that led to the discharge of the federal loans.
Product: Mortgage

I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days. 

I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error. 

I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS NOTARIZED AND CERTIFIED AFFADAVIT TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNT UNDER THE BANKRUPTCY I SENT CERTIFIED LETTER TO THE COURTHOUSE IN REGARDS TO IF THE COURT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES SUCH AS XXXX  XXXX AND EXPERIAN AND THEY WROTE ME BACK SAYING THE COURT DOES NOT PROVIDE ANY INFORMATION TO CREDIT REPORTING AGENCIES THESE AGENCIES OBTAIN THEIR INFORMATION THROUGH PUBLICLY AVAILABLE MEANS EVEN THOU THE LIE AND SAY THAT ITS HAS BEEN VERIFIED THAT GOES AGAINST THE FCRA THEY ARE LIARS SAYING THEY VERIFIED THE LETTER SENT BACK FROM THE COURT HOUSE SAYS THEY DO NOT PROVIDE ANY INFO
Product: Credit reporting or other personal consumer reports

Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : XXXX, Equifax, and XXXX, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights : OPE/ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department XXXXf Education-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

My information was compromised by a data breach at Equifax. I asked Equifax to provide proof that they verified that the accounts on my credit report were accurate and complete. I also asked them for the method that they used to verify any such information. They did not provide this information. This is a violation in FCRA and Equifax failed to keep my information secure. Equifax also has not properly investigated my disputes.
Product: Credit reporting or other personal consumer reports

I am filing a complete against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I ensure CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate. 
XXXX XXXX XXXXXXXX - reported XXXX latest XXXX XXXX reported XXXX late XXXXXXXX XXXX XXXX XXXXXXXX auto finance XXXX late Remove previous jobs Remove previous addresses Remove phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and Equifax received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, Equifax failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX  failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.
Product: Debt collection

I noticed on XX/XX/year> when I checked my credit score that my score went down XXXX points from a collections from AT & T mobility that is not from me. I have cell and internet through AT & T, both of those accounts are paid and up to date. The collections says I owe {$250.00}, but Ive never not paid a bill, and the collection or account set up was not from me. AT & T came back and said it was not identity theft, but it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Product: Student loan

Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.
Product: Mortgage

XXXX ( XXXX ) sent Pennymac a reinstatement and monthly mortgage via electronic deposit on XX/XX/XXXX. Pennymac claims they have not received a payment. Pennymac keeps hanging up on me and will not give us an answer as to where the money is just claiming they didn't receive it yet they did. Meanwhile our mortgage is late when they have the fund but have not applied them.Loan - # XXXX pennymac number XXXX. 

Additional payment will be sent for five months at monthly intervals. If the money was sent electronically..they have it and are deliberately living and holding the money maybe for interest... meanwhile our loan is late.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX  ] [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ XXXX XXXX XXXXXXXX ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX XXXX XXXX XXXX ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or
remove the inaccurate information from my credit report and provide me with written confirmation of your findings.

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]
Product: Debt collection

I open an emergency cc card with price line to travel to California for my XXXX 's funeral. 
|Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX the amount was XXXX and I received a credit of XXXX dollars bringing the total owe to XXXX dollars. I started making payments until XX/XX/XXXX were the final amount. on Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX was paid in full. Previous Balance as of XX/XX/XXXX {$100.00}, Payments - Thank You - {$100.00} ( was received, acknowledged and paid in full ) Then additional charges were added by XXXX car rental, of XXXX : I called and spoke with customer service and reported these charges, they open a fraud investigation and advise me these charges would be removed as unauthorize charges. I am now getting phone calls to my personal cell phone and work phone saying that I owe the XXXX, late fees and interest.