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

XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, Equifax and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and Equifax Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, Equifax, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED
Product: Credit reporting or other personal consumer reports

Hello, I Disputed fraudulent inquiries with credit bureaus TransUnion And XXXX and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.
Product: Mortgage

In XX/XX/2016, the amount was XXXX. I was behind with my payments of my mortgage, I explained them that I had a hardship and they offered a modification they said that with this program I can paid monthly my mortgage without any issues. I qualified because I summited all the requirements that they asked me and later, the mortgage transferred my mortgage to other company. I paid XXXX XXXX XXXXXXXX, for get solved this issue but the XXXX XXXX didnt fix it. I was asking to other legal advisers and said it was a fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my XXXX  Score. Under XXXX XXXX XXXX XXXX. XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Mortgage

I appreciate the response to my original complaint : XXXX. I agree with everything in Mr. Cooper 's response ( attached for reference ) except the most critical point of my complaint and problem. Regarding the HAMP Tier II modification that was approved : 1. When I received the final modification package, the signature page included signing blocks for both me and my ex-wife. 2. I immediately called my  dedicated loan specialisXXXX, XXXX XXXX, and was specifically told that both signatures were required. I was working with a lawyer at the time and he was also told the same thing. I was unaware of HAMP Supplemental 09-01, XX/XX/2009 at the time. The Supplemental states " If a borrower or co-borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property is not required to execute the HAMP documents. '' Mr. Cooper had the divorce decree as well as the Quit Claim Deed that  clearly complied with the above language. Being told my ex-wife had to sign was clearly illegal. I have nothing in writing stating what I was told, but why would I make 5 trial payments if I didn't want to sign the modification. I am humbly requesting that the modification be reinstated. Or, if this is not possible, I request that similar terms be applied to resolve the current situation. I understand that the HAMP guidelines have  expired, however, I am hoping someone can apply some logic to this situation so I can avoid losing my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Letter to LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Letter to LexisNexis LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Number : XXXX Case Number : XXXX Subject : Request for Removal of Inaccurate Addresses and Update of Correct Information Dear LexisNexis Consumer Center , I hope this letter finds you well. This is my third time writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. I have to include the CFPB in this matter now because of noncompliance with the FCRA. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX Please find attached copies of my driver 's license and a recent bank statement as proof of my accurate address. 
I request that you delete any addresses that do not match my driver 's license or utility bill and send me an updated credit report reflecting these changes. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have dealt with this same issue with PayPal since I was credit the amount of {$15.00} back on XX/XX/17. Every billing cycle since, I keep getting charged {$15.00}. I have called every month to have PayPal handle this, and I have gotten all kinds of reasons why it was charged again ; that it will be handle and I will get the credit, and yet it 's has not been taken care of. I have also been charged a interest fee of {$2.00}, as I did not pay the {$15.00}, so now it showing I owe {$17.00} ( on top of what I actual owe ). I mention to PayPal that if this is not rectify by the next billing statement ( which I just received ), that I would be making a formal complaint with other agency, and here I am.
<P/>
I have attached several statements that I have added notes to, to keep track of, along with the most recent emails. I need for PayPal to credit the {$17.00} once and for all, as I am tired of the runaround I have been receiving. <P/>Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove accounts from my report they are hurting my ability to obtain credit
Product: Checking or savings account

Chase let a large amount of XXXX from XXXX be charged to my accounts and are refusing to refund my money as they claim my pin was used to allow the purchase. I was undergoing a brief XXXX  event that day and went straight home, and was home for my days after as I was incredibly sick, My primary doctor even prescribed meds for XXXX that day as I was XXXX. I have been in contact with them for over a month now and nothing as changed. They kept asking for more and more proof, which I gave them, and finally they just flat out said no because my pin was used or something.
Product: Debt collection

I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
Product: Credit card

Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights
Product: Debt collection

On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.
Product: Credit reporting or other personal consumer reports

I found out last year i was yet again a victim of identity theft, i filed a police report and a fraud affidavit. The bureaus said that they would block the accounts within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.
Product: Credit reporting or other personal consumer reports

Experian decided to do POOR COMPLIANCE PROCEDURE, ACCOUNTS ARE DUPLICATED AND REPORTED INACCURATE. IDENTITY THEFT ISSUE, AGAIN POOR COMPLIANCE PROCEDURE BY EXPERIAN. EXPERIAN IS DEFAMING MY CREDIT WORTHINESS BY CONTINUING TO LET THE EXPERIAN CLERKS OUTSIDE THE UNITED STATES DO A PROCESSING OF DOCUMENTS WHICH HAVE NO WAY IN UNDERSTANDING UNITED STATES FEDERAL LAW ( FCRA ). CFPB PLEASE HELP WITH THIS ISSUE THAT EXPERIAN AND ITS Clerks and the EXPERIAN XXXX. willfully falsely certifying the accuracy of a bogus debt. 


15 USC 1681e- ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been in violation of my consumer rights. They don't seen to adhere with FCRA. Yesterday I spoke with a specialist and he disregarded what I was trying to explain about my consumer rights and consumer law. I let him know that policy does not override federal. He was not being receptive at all, he did not want me to read my codes and laws that congress put in place to protect me as a consumer. I recorded the phone conversation his name is XXXX. As per law, 15 USC 1681 ( a ) ( XXXX & XXXX ). Experian have assumed a vital role, and they have a grave responsibility with fairness, and to be impartial which the specialist on the phone yesterday was not practicing any of this. He was being very partial and I also have the right to privacy as a consumer. 
In addition, I requested that XXXX and mcu show certification and my written consent with my signature and that experian supposed to hold those docs in their possession in order to claim that I gave permission to furnish anything on my file as per 15 usc 1681b ( a ) ( XXXX ). Remove these immediately. 
My question is, is EXPERIAN willing to be held liable for the damages according 15 usc 1681n?
Product: Credit reporting

I have contacted and sent Fraud Affidavits to Equifax with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Equifax have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX XXXX and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information. 

CAPITAL ONE AUTO XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; CAPITAL ONE XXXX OPENED XX/XX/XXXX BALANCE : {$0.00} ; CAPITAL ONE XXXX OPENED XXXX XXXX XXXX BALANCE {$0.00} ;
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with XXXX XXXX and severe medical hardship came about with my mother and myself when the loan fell behind I got a call from XXXX XXXX stating that they could get my loan current and give me additional money I didn't understand what they were doing but I now understand they did a completely new loan without my knowledge I certainly didn't understand that taking on fees charging interest upon interest I've asked for documentation of every debiting credit sensing Inception of this loan I have not received it and somehow gets removed from my credit report and just out of nowhere gets put back on my credit report my resolution to this because this is a charged off loan and I have to count this as income on my income tax remove this from my credit report or I do intend to sue for deceptive credit practices
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX - XXXX - {$3400.00} XXXX - XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to explain the circumstances surrounding the delinquency on my XXXXXXXX XXXX XXXX account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilized small loan service Duvera to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. Duvera assigned the loan to XXXX. XXXX applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?
Product: Debt collection

I hope this message finds you well. I've followed all the necessary steps to address the issues with the disputed accounts. I've contacted the bank, and they claim it's resolved. Law enforcement, through Identitytheft.gov, has validated the identity theft report. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. However, the ongoing impact of identity theft is causing significant emotional and physical distress, affecting both my personal and work life. I'm reaching out to the credit reporting agencies to ensure this matter is handled properly.
Product: Debt collection

the account was charged off and closed but is still being reported to the credit bureaus. 



15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.