23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX and Experian continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer.

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Product: Debt or credit management

credit management has called several times, ive returned call and aked for validatin of claim numerous times, asked not to call and send all info to address on file and they persist on calling and leaving messages, from XX/XX/year> i have recieved over XXXX calls and messages and they were instucted not to call again i have phone proof just in case they deny
Product: Debt collection

The company is a a predatory loan and they keep changing the original date of opening this account on my credit reports. This illegally extends the date the account remains on my credit reports past 7 years for negative accounts per law. Therefore my credit scores are negatively inpacted by SpeedyCash illegal actions.
Product: Student loan

I have called and/or emailed MOHELA multiple Times and after unacceptable wait times and half answered or completely unanswered questions about my loans I am desperate. They place my loans in forbearance without my consent and have not provided a monthly payment amount, and they have stopped counting my months in repayment period towards PSLF since XX/XX/24 and have not answered why, they have been avoiding/ignoring my questions or attempts to contact them and deflecting me to automated systems that do not help with my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Product: Money transfer, virtual currency, or money service

I have been sick with XXXX  and had a XXXX XXXX back in XXXX. I was up to date on all four cards. When card number that ends in XXXX was due. in XXXX I paid to bring the balance down to {$12000.00}. Since that time I have been unable to work and had a reduction of income. In the meantime, for some odd reason Bank of America thought I was deceased. They were sending estate paperwork. I called them several times to get this rectified. Here it is XX/XX/XXXX and they have charged me {$900.00} and interest and fees. I called them last week and they advised that there is nothing they can do to stop the bleeding. They are charging me over {$200.00} a month in fees and late charges. This is the second time I have filed this complaint. I have called and left messages and nobody seems to care with the escalation department. I asked them to work with me. That said the account is only 1 month past due. Because it went to estate they have to wait another 5 months. In the mean time I am be hit with ongoing late charges and fees. It's not my fault I got the XXXX  XXXX and lost my income. I was never late until this mess happened. This company has no compassion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SSN XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violating XXXX XXXX XXXXFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet Experian has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against Experian for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against Experian and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with Experian as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I originally had my own apartment at XXXX XXXX in XXXX, FLXXXX, and I was required to put a Security Deposit for my first year there in XXXX. I then upgraded to a three bedroom in XXXX, and got a roommate. My Security Deposit was moved to the new apartment account, and no additional funds were required. I found myself and my son in harms way about 9 months into the shared apartment. I notified the Office about my concerns, and I let them know that I was not going to renew my lease with them. I was forced to move out early, because the Office was not going to step up to help my son and I in the unsafe roommate situation. The Office had my parents address for any correspondence that was related to my not renewing my lease and Deposit return. It wasnt until 4 months later that I found out that the Office had placed my account in collections and kept all of my Deposit money. I never received anything by mail in reference to how much and why my Security Deposit was retained in full. This is not a debt I owe, and I deserve my Security Deposit back. It needs to be removed from my Credit Reports as well. Thank you in advance for your assistance with my request!
Product: Consumer Loan

My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of several student loan accounts on my credit report. These accounts were in deferment and good standing while I was participating in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) discharge program. The accounts were subsequently paid off through this program, yet they are being reported as closed without accurately reflecting their deferment or paid status. 

The accounts in question are : Account # XXXX : {$8500.00} ( closed XX/XX/XXXX ), {$2000.00} ( closed XX/XX/XXXX ), {$860.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$36000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$24000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$2000.00}, {$8500.00}, {$36000.00} ( all closed XX/XX/XXXX ). 
The inaccurate reporting impacts my credit score and does not reflect the accurate history of these accounts. I have contacted the credit bureaus, but they updated only the remarks with a " dispute resolved - consumer disagrees '' status instead of making the necessary corrections. 

I am requesting that the CFPB facilitate an investigation to ensure the accounts are accurately reported as paid through the XXXX  discharge program and reflect their prior deferment status.
Product: Money transfer, virtual currency, or money service

We were tried to purchase a dog from a company allegedly based out of FL named XXXX. After the purchase of {$800.00} plus {$200.00} shipping the dog was supposed to be loaded on a plane and sent to use the next day. The next day arrived and we got an urgent notification for a temperature controlled crate due to weather at a rental rate of {$1800.00} with 98 % return after the crate was returned after delivery is fulfilled. We found it odd so we reached out to the seller who stated that they have ran in to that problem before so we agreed to it. XXXX was being shipped using XXXX XXXX XXXX XXXX XXXX XXXX  ) who is still showing shipment ongoing. We received a call from someone who was interested in another dog listed which led to the belief it was a scam. We attempted to contact the seller who is no longer answering any form of contact. We also can not get in contact with the so called shipping company. XXXX domain has since been removed. The likely fake contact we got is listed below. We have also found the dog up for sale to be on a scam alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

P

lease remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.
Product: Mortgage

My mortgage, Loancare, disbursed money out of my escrow account to pay taxes that were supposed to be paid at closing or before closing. They paid XXXX XXXX Treasury Department {$1100.00} in XX/XX/XXXX for XXXX taxes, which I was not responsible for. I closed on my house XX/XX/XXXX. The closing documents clearly states the property taxes were prorated for 5 months and were not due until XX/XX/XXXX in the amount {$450.00}. I have been in communication with XXXX from XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX Treasury Department, XXXX from XXXX XXXX XXXX, and XXXX from Loancare. No on is admitting their mistake. 

This started whenI received an invoice from Loancare stating I needed to pay them {$480.00} by XX/XX/XXXX or they were going to increase my mortgage payment by {$40.00}, to replenish my escrow account. 

I have been dealing with this for well over a month and no one is admitting their mistake, meanwhile, I've have to make two payments of {$40.00}, to Loancare for the " insufficient '' escrow account. 

I would like someone to contact my as soon as possible so we can get this resolved and I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, Lexis Nexis has willfully lied and sent investigation results on XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX stating they contacted XXXX XXXX Courts and verified the above information. I contacted XXXX XXXX Courts on XX/XX/2019 and spoke to a supervisor named XXXX who stated to me Lexis Nexis never contacted them nor would they verify to a credit reporting agency any information as they are prohibited by federal law to do that. So Lexis Nexis needs to verify or DELETE immediately if they can't produce the NAME, CONTACT PERSON, and DATE they contacted XXXX XXXX courts to the CFPB portal. So I can contact the Utah attorney general office against the person who gave them this information. Please provide the proof or DELETE the above files from my lexis nexus consumer report immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. *Experian* XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without any written instructions.
Product: Vehicle loan or lease

Back in XXXX or around XXXX Capital One Finance reached out to me about surrendering the car to them or paying {$6000.00} dollars. I agreed to surrender the vehicle because I didn't have {$6000.00} dollars and gave them the address and call them on multiple occasions to come and get the car, no one ever came and now in XXXX they reached out to me stating they are going to put a repossession for the car after two and a half years of no response to my calls or anything. I don ' think this should count against me or go on my credit when I voluntarily agreed to give surrender the vehicle. When I ask the representative why they didn't come get the car his response to me was they don't have anything to do with the repossession people. But 2 and a half years later now you want to put this on my credit, and I disagree. If there is anything I can do any advice would be appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor  is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly.
Product: Vehicle loan or lease

XX/XX/2021 I purchased a vehicle from JD Byrider. I was informed that I would need to put {$1000.00} down. I ended up putting {$1200.00} down for down payment and have been having issues with the vehicle since day 1. I was promised a reliable vehicle and that is not what i have gotten. The vehicle has been in their shop every week since purchase. My ac and heat has not worked multiple of times ( Ac actually stopped working 2nd day of purchase along with check engine light coming on ), car was overheating, there is sound of water under the hood, coolant filled back floorboard after they " fixed the heating cord '', AND THE MOST IMPORTANT DANGEROUS THING CAR HAS SHUT OFF ON ME WHILE DRIVING 4 TIMES. I dont mean sitting at stop light or stop sign. Foot on gas and car cuts off. They told me that they would pay off that vehicle and place me in something else. Cnac ( Finance company ) stated that I needed to put another {$500.00} down for a new vehicle. Manager stated he would work around down payment and on XX/XX/21they started backtracking. I am still without a vehicle as of today XX/XX/2021 and have been without one for a month now. They haven't even reached out to inform me on what's going on with the vehicle or even tried to make the situation right by putting into a rental until fixed, but yet the finance company is calling everyday for a payment on a car that im not driving.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from such account ( s ). These companies are commenting Securities Fraud by utilizing the securities and selling them on the secondary market without consent and ultimate commenting Securities Fraud and tax evasion.
Product: Mortgage

I have sent a request with my financials to my mortgage company Home Point Financial for a mortgage modification.I became delinquent on my mortgage because I was caring for my XXXX year old mom who is terminal ill and passed away in XXXX. I was responsible for her care until she recently passed. Home Point Financial didn't notify me they were accelerating my mortgage note. I haven't received mail from Home Point Financial since XX/XX/XXXX.or any other mail for my mortgage. I've contacted Home Point Financial several times to let them know I wasn't receiving my mail. As of today I still have not sent a mortgage statements or any other mail to my home address. The property foreclosure  notice I received from the foreclosure attorney is not 30 days prior to the property foreclosure sale. The letter is date XXXX XXXX sale date is XXXX XXXX. I looked the Tennessee law it states the homeowner is to receive notice of a foreclosure sale 30 days prior to the sale. 


See attachments
Product: Student loan

Hello. I'm a student XXXX using the Sallie Mae Career Training Smart Option Student Loan to pursue my XXXX XXXX Recently, my XXXX school lost its XXXX XXXX license and switched to XXXX XXXX training, causing delays in my progress. To make up for lost time, I inquired about using my loan to purchase an aircraft for training purposes. Initially, I was told that this was allowed, but when I requested written confirmation. I was informed that I couldn't speak with Sallie Mae 's legal department for clarification. | then escalated the issue to XXXX XXXX Senior VP of Operations at Sallie Mae, who explained that the term " transportation '' in my promissory note does not cover persona expenses like car gas for commuting, only bus passes. Since I commute over an hour to my XXXX  school in Florida. I found this interpretation concerning. I asked for additional clarification on how these rules are interpreted but was not provided with any supporting documentation. In an attempt to resolve the issue, I called Sallie Mae again to discuss returning my loan, but soon atter, my phone number was blocked by both Sallie Mae and **Sallie Mae Bank** . When I tried calling using a friend 's phone, the call went through immediately. which leads me to believe my number was blocked because I sought claritication, not because of any fraudulent activity. | simply want tc resolve the issue, repay my loan, and move forward. Your assistance in addressing this situation would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Tried disputing for the inaccurate reporting by law it must be reporting accurate across all 3 credit bureaus. XXXX did remove this item from my credit report showing in the uploaded document.
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 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a consumer reporting agency can not furnish a 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

I got a copy of my credit report an seen inquiries that I was in aware ofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX