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

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXXXXXX XXXX XXXX  ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Attempted to request for a workout option to keep home with lender and was denied for only one option ( modification ). Was told there was no other option and could not reapply for a modification. Lender requested that 50 % of past due amount would have to be paid upfront before any consideration of a repayment plan. The amount was estimated to be over {$7500.00}. I do not have that amount of money. I have attempted several times to negotiate with the lender and have provided all requested documents. I want to keep my home after residing there for XXXX.
Product: Credit card

I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.
Product: Debt collection

Account by LVNV is reporting a debt owed that does not belong to me. I disputed this account. The dispute resolved nothing. This account does not belong to me.
Product: Mortgage

I received a mortgage from XXXX and closed on the property at XXXX XXXX XXXX, XXXX XXXX on XX/XX/2022. Approved for a second mortgage XXXX loan ( Down payment assistant loan ) with Homeloanserv. XX/XX/2022 made my first payment on the first mortgage to XXXX. Attempted to make the first payment on the 2nd mortgage to Homeloanserv, When I could not make the first payment on the second loan online I called the company. I was informed that the company was behind in the processing on the second loan and to wait a week to pay the first payment. After about a week i was able to make the first payment. Shortly after this it was shown online that I was late making the payment. I received a correspondence XXXX stating that the first mortgage was sold to Homeloanserv. XX/XX/2022 I contacted XXXX and inquiried about the first mortgage being sold to which I was told that it was not and made my XXXX mortgage payment to XXXX. On XX/XX/2022 I find out that the loan was sold to Homeloanserv and not wanting to be late on the payment made a oayment on XXXX to Homeloanserv to the first mortgage. The XXXX payment to XXXXwas forwarded to Homeloansev which they placed into escrow and will not give it back to me. Even though I have made duplicate timely payments to Homeloanserv I see late payment on the online account, which I want corrected and I want my duplicate payment returned to me which my attempts to get this has been unsuccessful, with Homeloanserv saying that that payment sent to them from XXXX was for escrow, even though XXXX has stated that it was not.
Product: Credit card or prepaid card

I have no knowledge of the account that was open in 2017 for amout of {$2100.00} XXXX XXXX XXXX
Product: Checking or savings account

The transaction that took place was not authorized by me. It seems it was authorized via the NOVO.co ( XXXX XXXXXXXX XXXX XXXX XXXX ) internal platform. It's been a few weeks and I'm not sure why they're not communicating or simply putting this sum back into my account. The company has closed the ticket I had without reporting to me- barely investigated - bc I investigated the various points of contacts on the transaction ( XXXX XXXXXXXX XXXX XXXX where the money was supposedly spent ), and with them found that it was all fraudulent and was done from my online account.
Product: Debt collection

XXXX XXXX XXXX  ( XXXX XXXX ) claims I owe for damages to a rented apartment that they have failed to prove or gain a judgment for. I have been reported to multiple credit agencies by Innovative Recovery ( IR ). I contacted IR to discuss the debt and IR indicated it did not own the debt, nor had the debt been assigned to it, IR was only a servicing agency. I communicated with XXXX XXXX regarding the alleged debt and they indicated that the debt had been assigned to IR. 

I do not know who owns the alleged debt nor who I can discuss settlement with. IR continues to assert to credit agencies that the debt is outstanding causing me significant financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked TransUnion to investigate the collection agency  XXXX   XXXX   XXXX . They have placed a delinquent  XXXX  and a half year old account on my credit report and list the original creditor as  XXXX   XXXX .   XXXX  This account is inaccurate because I did NOT own ANY  XXXX   XXXX  account 4 years ago ; I attained my first  XXXX   XXXX  account last year --  XXXX   XXXX  can confirm this. In addition, the account was not in collectionsstill isnt listed on the other credit bureausuntil after my first submission of request to investigate i n  XX/XX/XXXX / XX/XX/XXXX  ;  this account was then upgraded to in collections status. Moreover, it appears that information from my original letter to TransUnion was used to adjust the estimated removal date. To my understanding, manipulation of credit information to secure debt on bureau reports is a violation of the Fair Credit Reporting Act.
Product: Debt collection

I relocated to another city for college ( away from the XXXX  ). They continued scheduling appointments, although I verbally explained that I was moving and that I could not travel that distance to make appointments. I was paying out of pocket ( Monthly payment plan ) for these expenses with the help of parent as needed. I was told there was another office near my school ( which I got in contact with ) and was told I basically would have to start a new contract or treatment. Which included a XXXX  XXXX  that they said was needed and I never received. I decided not to do so because it was pointless being as though I had already had them on for a while and had been paying a certain price. I also did not drive ( parents werent around to transport me anymore ) and I didnt have a stable income. At this time I did not know that I was still being charged although I wasnt visiting the office. Fast forward I joined the military ( again relocated ) in which the XXXX  had to be removed in order to attend basic training. After checking my credit score I noticed 1 derogatory mark. I contacted the original provider and informed them again that the XXXX  had been removed and I relocated and that I did not even finish my treatment. They told me it had already been sent to collections so it was out of their hands, they forwarded me to the correct point of contact and I explained my situation to them as well. In return I was offered a deal to pay off the payment. I never went to an appointment unpaid. The payments stopped when I stopped going. I was paying when I was receiving treatment in the original city.
Product: Debt collection

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because XXXX debts that are not mine is reporting to this unknown address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C which mandates a reasonable investigation of disputes.

Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) as highlighted in the CFPB 's recent administrative proceedings ( File No- 2025-CFPB-0002 ) against them for similar violations. 
I request that CFPB take action to ensure Equifax complies with the federal law and consumers with the necessary proof of investigation.
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 right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; it also state a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open-XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.
Product: Debt collection

Credit Acceptance violated Federally protected consumer rights in effort to collect alleged debt on XXXX XXXX. They tried to coerce me into an agreement and has threatened and continued to report private information to third parties such as the credit bureaus.
Product: Credit card

I have had a credit account with The Swiss Colony for years. I only really use it at XXXX time to send XXXX gifts to friends and family. I get catalogs from them all the time and right in the front of the catalog is a page that tells you what your credit limit is and what the payment will be if you charge that much. My current credit limit is {$1200.00}. I have not used any of it as I paid the card off earlier in the year. I have never charged more then a couple hundred bucks on it ever in any case. I decided to use it again this year to order 4 products to send to my husband 's family. I placed the order on XXXX and sent it off as I have done every year for years. I assumed my order would be processed and sent out as it has always been. I checked on the order around the XXXX and found out that they had decided that my credit limit was reached and that I needed to send it a check for the full amount of the order which was around {$150.00} - and they did n't even tell me until I called in. I have many problems with this. In the first place it says right in their catalog and also on the My Account page on their online store that I have {$1200.00} of credit. There was no notice of any problems or turning down the order until I called in. Magically several days after that I did receive a letter telling me that they would not honor the order and that I needed to pay the amount of the order in order to have it sent out. It was too late for me to reorder anything else and so I just told them to cancel the order. I have written a letter to them including the credit info but also told them I would report them to your agency. 

I do not think it is right when a customer has been a good customer for years and has paid their bills and paid the account off, only to find that you have been cut off with notice before you place an important XXXX order. I do not like their non-loyalty of a customer or their lackadaisical attitude of notifying a customer of what is happening when you assume that things are happening and that gifts you have ordered will be taken care of as they always had been when previously ordering from this same company. I do n't think it is right to tell a person they have {$1200.00} of credit only to change that at the eleventh hour and not make sure that give that person time to reorder or make a decision regarding that order.
Product: Debt collection

Hey so I received a letter from collections XX/XX/XXXX stating that I own XXXX for a company called XXXX XXXX XXXX. I have no idea what is this, I called the number that was provided in the collections letter and it said it was for rent and a termination fee for XX/XX/2021. I have no idea what this is since I have never been in that location and I have never lived in XXXX XXXX and have never signed any papers for any apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX I made several requests to get my credit reports by phone and mail they both refuse to properly update information. Equifax has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. XXXX wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or scoreXXXX XXXX wrong inquiry 's nd collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX XXXX reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX  XXXX Showing a XXXX XXXX. 


Thanks
Product: Credit reporting or other personal consumer reports

I am reaching out in concerns on a matter with a loan that I did not go through with. In 2007 I went to see about going to XXXX XXXX XX/XX/XXXX. The financial aid company wanting me to repay a loan I never used is Navient. I filled out paperwork but never attended. I have been stuck with a student loan that has affected my credit score and have been harassed by debt collectors such as Navient. Before it was Navient it was Sallie Mae. This school has been previously closed down almost 10 years ago due to fraudulent activities dealing with there student loans
Product: Mortgage

XXXX XXXX is charging a convenience processing fee to pay online and told me it was a STATE policy - I live in Texas, it is not a state policy or I would have to pay other companies. They didnt send me a notice of this charge and I have been paying them for at least XXXX XXXX now. My daughter is on record with them asking when they sent the notice to their customers and they said they didnt have to notify them and they also told her to check with our state! She told them they were out of state and federal compliance and absolutely had to notify their customers of any additional fees for payment processing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft, My credit cards and ID was stolen and this information was used to apply for credit. A police report was filed. I have been trying to fix these issues on my Equifax credit report. But Equifax has done the opposite and has caused more issues. 1. Equifax removed my old address and refuses to correct it. 2. Refuses to take off the company name XXXX 3. Removed one XXXX XXXX XXXX inquire but the inquires have now quadrupled. 4. Removed XXXX XXXX / XXXX but it is back onto my credit report and the debt is now doubled. Showing up twice. Please review the 11 page letter that I put together. Its provides all the information, backup documents and my proof of identification. I have been having issues since XXXX XXXX 2016. I am done with this and I am seeking legal counsel to get this resolved if this is what needs to be done. CC : Attorney Generals Office
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated attempts, Experian was the only credit bureau I was unable to receive my annual free report from using XXXX. After repeated attempts to contact them by phone to rectify this problem, I was unable to ever get passed their automated call screener. My problem could have been very easy solved by a human in less than a minute. I was a victim of unemployment insurance fraud in my state and merely wanted to verify no other fraudulent activity existed on my 3 yearly reports. Experian simply seemingly refuses to supply with with a free yearly report, in violation of my rights.
Product: Student loan

On XX/XX/XXXX, I received a letter from MOHELA stating that my monthly payment amount for SAVE is scheduled to expire after my XX/XX/XXXX, payment date. Today, on their website, my IDR renewal date is listed as XX/XX/XXXX, which is before my XX/XX/XXXX payment will be made. I do not understand the contradictory information. I would like an explanation from MOHELA and them to correct any records, their website, and correspondence to reflect the correct IDR expiration date. Additionally, given the severe issues with customer service, I would like to know by what date I will need to apply for my IDR to guarantee no lapse in my reduced SAVE payment. The original letter as well as what I currently see on the website are both attached as documents.
Product: Debt collection

I contacted NCS to have them delete an account that did not belong to me. NCS and I agreed to delete the account if I paid the full amount. NCS also agreed to send a letter stating that the letter was paid in full to delete. The letter I received in the mail only stated that it was paid and full and did not have the language that it would be deleted. I recorded the conversation and if you listen to the last 30 seconds of the phone conversation the representative agreed to have that language written in my letter. I am requesting that NCS adds this language to my letter as well as remove this item from my credit report. They violated 15 USC 1692e by making a false and/or misleading statement.