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

In accordance with the Fair Credit Reporting Act, XXXX ( account number 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 reporting agency can not furnish a account without my written instructions. 

XXXX LOAN AMOUNT - {$11000.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX XXXX, XXXX AUTO LOAN REPOSSESSION STATUS DATE - XX/XX/XXXX PAST DUE AMOUNT - {$4500.00} RESPONSIBILITY - INDIVIDUAL TERMS - 72 MONTHS ADDRESS - XXXX XXXX XXXX XXXX XXXX, AZ XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX ( account number 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 reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ON XXXX. XXXX, XXXX - {$61.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX. XXXX, XXXX ( COLLECTION ) STATUS DATE XXXX XXXX ADDRESS - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, Delivery Financial SER & Next Care Urgent Care of Oklahoma ( account number 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 reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE ON XXXX. XXXX, XXXX {$120.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX XXXX, XXXX ( COLLECTIONS ) DELIVERY FINANCIAL SER ADDRESS - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account number 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 reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BALANCE ON XXXX. XXXX, XXXX {$5300.00} ACCOUNT NUMBER - XXXX ( COLLECTIONS ) DATE OPENED- XXXX. XXXX, XXXX MILLENNIUM FINANCIAL G ADDRESS - XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX PHONE NUMBER - ( XXXX ) XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, DT Credit ( inquiry account ) 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 reporting agency can not furnish a account without my written instructions. 

XXXX XXXX INQUIRY DATE -APR. XXXX, XXXX REMOVAL DATE- XX/XX/XXXX AUTO FINANCING COMPANIES ( BUSINESS TYPE ) ADDRESS - XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. The fraudulent items in question such as unauthorized accounts, incorrect information, collection, and inquiries which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. I provided additional information and documentation as requested by your agency. After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. This repeated failure to rectify the fraudulent items on my credit report is causing me severe distress and financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. I am asking for your assistance to remove the following fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}.
Product: Debt collection

Certified credit reporting 1 of 3 inquires XX/XX/2023 I did not authorize this company to check my credit please remove my credit report now please no more hard inquires
Product: Credit reporting

My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,
Product: Mortgage

XXXXUpdate to Complaint XXXX regarding Nationstar Mortgage ; I was paid on the afternoon of Friday, XXXX XXXX. I logged into XXXX to pay my mortgage principle, interest, actual escrow, and late fee. Nationstar 's online system would not allow me to pay ANY AMOUNT except the total amount they deem owed - i.e. the additional $ 400+ they are trying to collect as a RESPA ALLOWABLE 'cushion '. I called Customer Service and was told that they can not accept any payments except the TOTAL AMOUNT NATIONSTAR DEMANDS either. I was told I could mail or XXXX XXXX a payment but until the Escrow Account Dispute was settled, my payments would be held in suspense, and I would have to pay the additional 'Escrow Shortage ' - THERE IS NO ACTUAL ESCROW SHORTAGE on my account for my payments to be credited and not considered in default. 

I asked repeatedly if that tactic was legal?? I was attempting to pay IN GOOD FAITH the amounts I owe to principle, interest, actual escrow amount, and late fee! How could Nationstar refuse? 

I was told over and over that they were trying to HELP ME and give me alternatives to pay what I 'wanted to pay via XXXX XXXX or the postal service. ' We can escalate a resolution but it would n't be solved for at least XXXX more days - within XX/XX/XXXX. I asked - why just escalating now? I filed a complaint with the CFPB and have received a mailed written response from Nationstar that it was being 'reviewed ' - NOW you can escalate it - but without accepting XX/XX/XXXX 's payments I am trying to make, and keeping XX/XX/XXXX 's payments in 'SUSPENSE ' - tomorrow I will be in the second month of DEFAULT? 

How is this legal? or HELPING ME? I hung up. I immediately emailed Nationstar Customer Service with the above complaint. 

I had to leave to go to work - I could not go to the bank, then to a XXXX XXXX provider to wire the payment I legally owe and am happy to pay. 

Today, Nationstar has my mortgage account in 2 month default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, XXXX, and TransUnion. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all XXXX items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Product: Debt collection

Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt.
Product: Credit reporting or other personal consumer reports

I don't recognize some accounts on my credit report, these accounts are reporting redacted account numbers, I have called each creditor asking for evidence of my application and they tell me they can not send me that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the 3 credit bureaus for having my bankruptcy on my reports. Transunion, XXXX, and XXXX all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report earlier this year, and notice XXXX was on my credit report, did research to find out how, why, even reported to my local police department, thinking someone was during some fraudulent activities on my credit. But, I was informed there's not much they can do. I have filled out a fraud report with XXXX, and they are trying still to make me pay for a service I have no knowledge of. I have called, contacted and tried to report FRAUD to this company, this is NOT MY ACCOUNT. I have filed a complaint with the XXXX  # XXXX in regards to reporting incorrect information. Please remove from my Credit Report.
Product: Student loan

I submitted via StudentAid.gov a consolidation application on XX/XX/XXXX, for three loans- two from XXXX and one from XXXX. I then unexpectedly received forgiveness for the XXXX loans on XX/XX/XXXX, for which I am deeply grateful. However, I subsequently received a letter from FedLoan indicating that my XXXX loan would be consolidated within 10 days, but that my previous loans from XXXX could not be added to my consolidation because the loans were paid in full status and that the loan must be in grace period or repayment status to be eligible for consolidation. Thus, the XXXX loan would not benefit from qualifying credit for payments made on the XXXX loans and would not be forgiven. 

While this technically makes sense, my original consolidation application included all three loans so that the newer loan could benefit from the older loans payment counts per the PSLF Limited Waiver. However, because forgiveness of the two loans occurred before the consolidation could be completed, they were erroneously not included. I submitted a complaint to StudentAid who advised me to Request to Add On to my Direct Loan Consolidation specifically because forgiveness occurred in the middle of the consolidation process. That too was denied, all of which goes against the intentions of the PSLF Limited Waiver. 

On top of all this, I would have consolidated sooner, which would mean none of this would happen and ALL of my loans would have been forgiven, but FedLoan advised me not to consolidate because it would affect my payment counts by resetting them ( not correct per the PSLF Limited Waiver ) and because the consolidation would take me out of COVID forbearance and put me into Administrative forbearance, which would result in loss of qualifying monthly payment credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. 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 account : XXXX XXXX XXXX account # XXXX. 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 on time as they should be as I was NEVER Late. Thanks,
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!
Product: Debt collection

I have got mail today XX/XX/2018 that saying XXXX XXXX XXXX has purchased the above referenced account and is to whom the debt is owed. They telling on the letter I owed XXXX XX/XX/2018 Amount Due I'm confused I don't know why I owed that it not telling enough information why I owed that. Very Confused.
Product: Credit reporting or other personal consumer reports

I'm submitting a report to the CFPB against Experian credit bureau for failure to properly investigate my dispute regarding XXXX XXXX XXXX over an incorrect entry on my credit report. The report incorrectly lists a debt of {$14000.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but XXXX XXXX XXXX has not provided signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX  XXXX A ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card

I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 
2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 
3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 
4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 
5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. 
Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. 
This situation is totally unacceptable and I dispute these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Product: Credit reporting or other personal consumer reports

It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXXXXXX XXXX XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.
Product: Debt collection

Reporting debt since XX/XX/XXXX with no documentation sent. The amount owed is {$760.00}. I sent a dispute later on XX/XX/XXXX and nothing has been done. It is now XX/XX/XXXX, still no response and it still being reported on my credit as of today.
Product: Debt collection

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
i aslo do not have any contact with my signiture between me and this company to pay.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} XXXX 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION