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

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, XXXX and Equifax. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.
Product: Student loan

I am currently enrolled in a XXXX 's program at a school where I received a XXXX 's ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my XXXX 's out of pocket. There was an opportunity to XXXX XXXX next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. Next, I logged onto my account online for the school and there was a disbursement of over {$10000.00} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. I sent in an email on XXXX declining the loan - per their instructions. 

After some struggling, the school corrected the issue on their website. However, a check was sent to me on XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes Borrower. It is showing that I owe this amount, plus interest, and a {$100.00} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. 

Per the school 's Financial Aid Office, I signed a Master Promissory Note in XXXX. This means that they do not need to discuss loan disbursement with me for each school year. It is supposed to make things easier on students. However, I graduated in XXXX - this should cause that note to expire. According to XXXX, because I signed this note back then, it is good for 10 years - despite the fact that I already graduated and have started a completely different program. 

I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be  showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

This could have been resolved with a simple email asking if I wanted the loan or not. Instead, it was processed. A check was sent to me. It was added onto my current loan along with fees and interest. I 've had to file two complaints for the loan company and now the school. There have been countless emails among the staff and myself. This situation is baffling. Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
Product: Debt collection

I moved out from XXXX at XXXX, owned by XXXX XXXX XXXX, in early XXXX and received no communication from them at all after turning in my keys. Then on XX/XX/XXXX of that same year I received a derogatory account for XXXX dollars on my credit report from Hunter Warfield with the original debt holder being XXXX at XXXX XXXX I never received a bill or any communication from any of the three aforementioned companies before that moment. I could not determine if this was outright illegal, but definitely seems unethical for reporting on an unbilled debt.

However, the main reason for my complaint is that Hunter Warfield violated FDCPA 1006.42. I did not receive any written communication from Hunter Warfield, XXXX at XXXX, or XXXX XXXX XXXX within 5 days of them reporting my debt to the credit bureaus or their first initial voicemail. Instead, I get multiple calls a day all leaving unintelligible voicemails. I made attempts to reach out to both XXXX at XXXX and Hunter Warfield via email and writing as I would rather discuss in writing, to no avail.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO DELETE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX as a paid account. XXXX XXXX was closed and charged off. The account was closed on XX/XX/2015. Close to seven years ago. There was no further contact with XXXX XXXX. I am.again requesting the exclusion rule to apply to this account. 

I am not sure how or why Equifax continues to report incorrect information. To date every dispute I filed they closed without addressing the errors. Never sent out anything in writing because they had incorrect information.
Product: Credit reporting or other personal consumer reports

I sent a letter to dispute multiple items on my credit report that I believe are either inaccurate, unauthorized, or unverifiable. XXXX a breakdown of the issues I addressed : Incorrect Personal Information : I found incorrect personal informationtwo addresses listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and requested their immediate removal. Under 15 U.S. Code 1681i, credit reporting agencies are required to correct or remove inaccurate information from my report after a dispute. 

Late Payments Incorrectly Reported : I disputed the late payment records for several accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs, when in fact, they were paid as agreed and never late. Per 15 U.S. Code 1681i, I am requesting that these records be corrected to reflect the accurate payment history. 

Debt Validation Requests : For several accounts reported by debt XXXX ( XXXX XXXX XXXX XXXX XXXX ), I requested validation of these debts. According to 15 U.S. Code 1692g, debt collectors must provide proof of the debt, including the original contract or agreement signed by me. If they can not provide such proof, the entries must be removed from my credit report. 

Unauthorized XXXX XXXX : I found an unauthorized hard inquiry from XXXX XXXX XXXX on my credit report, which I requested be deleted. Under 15 U.S. Code 1681b ( a ) ( XXXX ), a credit report inquiry can only be made if Ive given consent. Since I did not authorize this inquiry, I asked for its removal. 

In addition to disputing the above items, I made it clear that the credit reporting agencies and creditors have 30 days to complete their investigation, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ). I also stated that I am keeping a record of their actions, including their verification method, and that I do not consent to automated verification systems like e-Oscar. 

Finally, I warned that if these issues are not resolved satisfactorily within the XXXX period, I would consider filing a lawsuit, citing potential violations such as defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act, for which I could seek {$1000.00} per violation as allowed under the law. 

So, in essence, I disputed inaccuracies, requested debt validation, and asked for the removal of unauthorized inquiries and incorrect information, making sure to follow the guidelines set by XXXX law to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I signed a finance agreement with XXXX XXXX. A couple months later, I received a call from XXXX XXXX XXXX XXXX with whom I had tried to contact because I had not received my title so I could tag my vehicle. The dealership informed me XXXX XXXX had filed for bankruptcy before paying the loan on the car. They said that they would work on finding a new lender and let me know when they found one. Several months had gone by with no news so I tried to call them and was unsuccessful. I had gone out of town for a while and while gone tow trucks were sent to my house and my father 's house. I started looking into the matter and found my car was financed by XXXX XXXX XXXX. I had never signed another loan agreement nor had I given permission for anyone to. I contacted XXXX and requested a copy of the loan agreement and received one 10 days later. I printed it off and could immediately tell that my name had been forged. It was not even close to my handwriting. I immediately called Flagship and told them the signature had been forged. They said to file a police report and get them the case number and it would be dropped. I tried filing one in the town the crime occurred in but the sheriff said I could not because they had so many of these type cases from the dealership that they had turned it over to the FBI. I called the FBI and explained the situation and they told me I would have to give a report to a live agent, so I did. He told me if there was in fact an investigation, they would call me. I never received a call. I filed with the Oklahoma XXXX XXXX XXXX they responded with saying that they could not do anything because the dealership had closed I filed a report with XXXX, they said it was Oklahoma XXXX XXXX XXXX  jurisdiction. XXXX turned the account over to a legal collection agency. I received a letter in the mail saying that if I did not dispute the debt, it would be assumed valid. I responded that it was not valid in the given time. My husband was served with a lawsuit demanding I pay XXXX the amount of {$14000.00}. I responded with an answer and counterclaim denying their allegations and included the original loan agreement I signed showing the vast difference between the signatures. Even though they knew the agreement was forgery they have continued the lawsuit. They started reporting negative payments to all credit bureaus and continue to this date even though they have charged off the account. I traded in a XXXX XXXX XXXX which was never paid for and repossessed so that is also on my credit. This experience has severely damaged my credit and buying power. I also had to buy another car as I could not tag the XXXX or legally drive it. The credit bureaus show I owe over {$18000.00} at the point but they refuse to remove any derogatory marks on my credit or drop the lawsuit. This is extremely frustrating as I never even had knowledge for several months. I disputed the agreement through XXXX who investigated but came back with results that it was reported valid through XXXX.
Product: Mortgage

We paid off a loan at XXXX XXXX XXXX XXXX. The loan was paid by The Money Source. We were told by The Money Source that we would get out money from the Impound account after closing, which should had been around {$1300.00}. XXXX XXXX XXXX sent is a check for XXXX and some change and told us that they accredited the impound account to the payoff of the loan. We were never informed of this procedure. No signature took place or any information was given regarding this. What we are saying is we never agreed to do this with The Money Source or XXXX XXXX XXXX. The Money Source said that they did not know companies did this. On the Borrower 's Settlement Statement it shows the Homeowner 's Insurance {$850.00} and Property Taxes {$500.00} in the closing of {$170000.00} which was paid by the Money Source. The Money Source got the escrow account and has put it all on XXXX. XXXX. had no rights to take our Impound account and apply it to the closing of the loan. This was reason we had The Money Source to pay off the loan. My husband and I feel that both the companies are giving us the run around. We never received any signing documents stating this was going to happen. XXXX XXXX at XXXX XXXX XXXX is the loan officer and XXXX XXXX at the XXXX company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted an application for an apartment. XXXX was the company used to obtain the report. The report listed my credit score as a XXXX from Experian. I used Experian credit monitoring services, my score is listed as a XXXX. Additionally the report listed no rental history. I reached out to Experian first, they explained that the criteria for the loan, lease, rental is different and that would impact the score. If my score is based on credit then those two numbers should be fairly the same not a XXXX point difference. I contacted XXXX regarding the rental history, and the stated they requested the data from Experian Rent bureau and does not compile any of the data. The Bureau stated that property managers are not required to report data to them if there's data they will report it. I believe an injustice is being done here if places I rented with aren't reporting my rental history is okay for Experian rent bureau to negatively impact my rental score. I can not control what owner and property managers do, but I'm been held accountable for it and its affecting my ability to obtain a new lease. Please advise.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Reinstatement of Fraudulent Account Dear Equifax compliance officer.

This is a final notice regarding my Identity theft issue before seeking legal Counsel. I have file multiple disputes via certified mail and with the CFPB with no resolution in this matter. Today as I reviewed my credit report, I notice an account that was deleted due to Identity Theft was reinstated on my credit report. I believe that Equifax have failed to permanently block these accounts to prevent them from being re-reported. Equifax has violated the FCRA several time. Willful non-compliance. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. I would like to point out that these accounts were the result of Identity Theft and under FCRA 605 ( B ) I am entitle to the block. 


PLEASE PERMANENTLY BLOCK THE FOLLOWING ACCOUNTS FCRA 605 ( B ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX
Product: Mortgage

I signed a contract with XXXX XXXX to purchase a house, at XXXXXXXX XXXX on XX/XX/XXXX and paid {$24000.00} deposit to their affiliate NVR mortgage. Despite sending all the documents to XXXX momentarily upon asking, even sent multiple document multiple times because XXXX claimed they lost it. 

I signed a contract with them to purchase home because my base is at XXXX XXXX and I'm an XXXX XXXX XXXX, XXXX ID XXXX. 

Upon starting at my position since XX/XX/XXXX, as of today I commute twice every week from my resident at XXXXXXXX XXXX. The process started in XXXX, XXXX, XXXX and still XXXX didn't give me a decision, neither approved, nor denied the loan. And if I want to come out of the contract they'll keep the deposit of {$24000.00}. 

From XXXXXXXX XXXX to XXXX XXXX XXXX is almost XXXX miles and I need to travel twice a week as XXXX requirement. However, it's become extremely difficult for me to commute such distance. It's risky XXXX XXXX, also draining in terms of health and finance. 

Few months ago my car stalled in the middle of highway in XXXX because it's a XXXX XXXX XXXX car. Since I'm in a house purchase contract, NVR prohibited me to get into any more debt. So I can not purchase a car either. However, it's also urgent for me to get a car at this point to commute to XXXX XXXX. 

In addition, I informed my apartment in XXXX so far XXXX times my move out date as NVR said that they'll close on XX/XX/XXXX, then XX/XX/XXXX, Then XX/XX/XXXX, then XX/XX/XXXX, then they gave XX/XX/XXXX as closing date but later on cancelled the closing date. 

Now, the locked rate expired on XX/XX/XXXX and NVR is making me pay extra money to extend the rate but I have been warning them that locked rate is expiring and they need to expedite the process. NVR have been negligent in every step, for example : XXXX loosing document that I emailed XXXX. Asking for same document multiple times XXXX. Asking about a document that has been emailed months ago XXXX emailed them a document on XX/XX/XXXX, they asked me to sign it and send back on XXXX week of XXXX, why?? 
- I asked them explanation why documents been lost, no explanation provided XXXX requested them for POC for Gov. correspondence, no reply provided NVR has everything from me as they requested since XX/XX/XXXX and still no resolution. 

I'm almost at a point of leaving my federal career if this continues because I can not afford this anymore, the commute, time, money spend, and the stress of XXXX XXXX. Working for my country has been my dream but NVR is causing trouble in a great deal.
Product: Credit card or prepaid card

In XXXX of XXXX Discover card closed my account because of a payment returning NSF... ( 6 years ago ) I have reapplied numerous times and was denied even though I qualify credit wise. Still to this date I don't no why they closed my account, I never paid late, yes I had a payment returned but immediately after getting notified I paid all fees and the bill associated. They closed my account in XXXX with me owing a zero balance. In XXXX of XXXX this year the sent me a check in the amount of XXXX from this closed account, I was suppose to receive this payment years ago. The sent me only with they owed and not with any interest they have made off it... This is not right how do you hold money from a closed account for over 6 years and then pay it... Also I was informed that I could re apply for an account but they keep denying me saying because of past account obligations. So I guess it okay from the XXXX over their customers and withhold money for years and profit off of them.
Product: Debt collection

Reporting this debt on my credit report and I have no knowledge of this account, not mine.
Product: Checking or savings account

On XX/XX/24, I received an unauthorized Chime debit card in the mail. 

I never have banked with Chime, nor have I provided my information to them or their partners in any interactions, ever. 

Based on phone messages I received from Chime, the person who opened up the account used the email address of XXXX, yet used my phone number, my address, my name, and my social security number. No idea what other information they have. 

I am about to freeze my credit accounts with all XXXX bureaus, and am waiting on a letter from Chime confirming account closure for fraud. 

Chime 's customer service was tedious at best and took over an hour to resolve this, most spent on hold, despite no wrongdoing on my part.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I went to XXXX  from XX/XX/XXXX to XX/XX/XXXX. I seen on my credit report that was a collection of {$1400.00} from a collection agency named XXXX XXXX XXXX XXXX account # XXXX. The original creditor is Zocloans. I reached out to them and told them I never took out a loan from that creditor. I don't even know that company at all. So I went on line and disputed it and it come back and said that the name and the I formation was correct. I want it off my credit report. I was in XXXX  at that time. I can send in my XXXX XXXX  papers. Please help me. Thanks XXXX XXXX XXXX