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

I submitted a letter faulting XXXX Equifax and XXXX ( XXXX ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX  reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint filed with the CFPB due to Experian 's disregard for the law and my consumer rights. Experian continues to violate my rights as a consumer while also violating the Fair Credit Reporting Act by lacking permissible purpose when reporting fraudulent, incomplete, and inaccurate information to my Experian consumer credit report and file without proper proof of investigation or debt validation response. I have attached my identifying information such as my driver 's license, social security card, and an insurance bill. I have also attached my identity theft police report information, and Identity theft affidavit which has been endorsed by myself as well as the officer who filed the complaint. Experian is damaging my consumer credit worthiness and causing me distress due to its lack of regards for my livelihood for its own financial gain!
Product: Mortgage

My mortgage was sold to Nationstar from XXXX XX/XX/XXXX. This is a loan modification that was in effect since XX/XX/XXXX, with never a late or missed payment and no issues XXXX. Since XXXX has had this loan there have been multiple problems. In XXXX my payment was increased due to an increase in the required amount for my escrow impound account. That was n't the problem - I only became aware of the increase when I received a letter in late XXXX from Nationstar stating that my XXXX payment had not been made. My credit union statement showed that it had been made on time. Because Nationstar had not received the full amount ( the new amount ) they suspended the payment - again with no notification. When I was finally able to find out what had happened to the payment I made, I paid the difference with the XXXX payment.They reported this to all XXXX credit bureaus as a late payment and in the case XXXX, continue to report that there have been no payments in XXXX, XXXX or XXXX. I have not missed or been late making payments on this loan and all payments are current. They are also reporting to all XXXX credit bureaus that my delinquent balance owed is {$63000.00}. This amount is part of my loan modification terms and is a deferred balance that does not incur interest or require payment. They have destroyed my credit that I have worked diligently to repair and I fear they are trying to dismantle the loan modification that I worked so hard to get. I have filed disputes with all XXXX of the major credit bureaus, but in the meantime my credit is a disaster. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these incorrect items on my credit since XXXX, XXXX. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX, XXXX, Equifax, and XXXX XXXX regarding the inaccurate reporting of my credit information under the CARES Act. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The purpose of this complaint is to seek your assistance in addressing the discrepancies in credit reporting that have negatively impacted my financial standing. According to the CARES Act, enacted to provide relief to consumers during the COVID-19 pandemic, lenders are required to report accounts as current under certain circumstances, particularly when consumers are facing financial hardships such as unemployment. I have encountered a situation where this provision was not appropriately applied by the credit bureaus and XXXX XXXX, and it has adversely affected my credit report.
Product: Credit reporting

The account was deleted by Equifax And XXXX because is from 2006 And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have accounts and inquiries on my report. 

Accounts XXXX. XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$75.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$220.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage is reporting incorrectly my credit report. They are reporting late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX ( XXXX late payment ) that never happened. I had a loan modification due to unemployment and never stopped to make my assigned payments. They stablished a payment for XXXX months equal to the new payment will be and then proceed with a modification. All this time they were telling me that my credit will not be affected. I stared XXXX different disputes with the credit agencies without a satisfactory result.
Product: Student loan

I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Debt collection

The caller says I owe a loan from Easy Money. I told them I am not paying for their scam. The caller them threatens me with court dates. I told them not to call me, or I will consider their calls harassment. They immediately hang up. They call back a few days later.
Product: Credit reporting or other personal consumer reports

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review
Product: Debt collection

I did not realize that it was this company calling me I have been getting phone calls from this company for weeks back to back. I do not answer unknown numbers but today I did because I wanted to know who was blowing up my phone from this number and of course it was Credit Counsel inc.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack back of accountability and transparency is unacceptable and ready to serious concerns about consumer safety
Product: Student loan

I 'm currently trying to pay back my student loan in the amount of {$35000.00}. Navient said according to their system once they plugged my numbers in of how much money I make and my bills, that I 'm able to afford a {$180.00} payment plan. I have n't been able to pay that monthly bill because I ca n't afford it, it 's too high for me at the moment, and I do n't understand how their system can tell me what I can or can not afford to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.
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. 

List of Unauthorized Inquiries : 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 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for loan to help with certain financial circumstances. Although I knew what I had to pay back, I was unable to do so due to my fiancs health and moving expenses. I tried to keep up with it but I was unable to manage it. A few weeks later I received a mail ( without any summon or without any court notice ) that my wages are now being garnished. I called them to see any other their payment options but they said that I have a past due balance of $ 1000+ and in order to remove the wage garnishing that balance is to be paid. And on top of that, the interest will accrue daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX, XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I called the fraud investigation team at Wells Fargo on XX/XX/24 at XXXX XXXX  ( MST ) to describe in vivid detail how I was conned out of all the above funds by a homeless vagrant, an animal shelter, and an apartment complex. After a fifty minute conversation, the agent said she was told that nothing could be done because they were debit card transactions authorized by me even under duress and witnesses. She transferred me to the escalation team who repeated the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a )  ( XXXX ). Accounts : XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX  XXXX XXXX, it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

RE : Livewell Financial , Inc. v. XXXX XXXX XXXX XXXX County Pennsylvania Court of Common Pleas No. XXXX We represent PXXXX XXXX XXXX relative to the above referenced reverse mortgage foreclosure action. XXXX XXXX was referred to us by the Area Agency on Aging. Her home is being foreclosed on because of a Tax and Insurance default cause by a temporary shortage of funds.
XXXX XXXX presented a budget that shows she has enough income to support a payment plan to pay the ongoing taxes and insurance and to cure the arrears within the 60 month time frame afforded by HUD. In fact, according to the budget presented, she could cure the total arrearage within three years. However, Live Well has stated that it is their company policy that they do not allow payment plans to exceed one year.
Product: Credit card

Bank of American access my credit file without my consent and took adverse action against me based on my non public information twice. first they lowered my limit and then closed my account for the same reasons both times
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2
Product: Debt collection

It shows that the company Jefferson systems LLC opened the account on XX/XX/XXXX and was last updated on XX/XX/XXXX on my credit report. 
account type : debt buyer. 
Status : Collection account. {$160.00} past due as of XX/XX/XXXX. 

I was never notified of this debt by Jefferson Systems LLC and only found out about this collection by checking my updated credit report. They gave me no notice of debt or the ability to dispute this debt before adding it to my credit report. Due to this I now have 1 account in collections and a drop of my score. I do not claim this debt and have sent them a certified letter requested verification of this debt along with a statement informing I never received any information regarding this debt from them at all. I have also started a dispute with the credit reporting agency and have started this complaint.
Product: Student loan

On XX/XX/22 I requested a refund of {$8200.00} from my loan servicer Aidvantage. I have called on a recurring basis to check the status of the application. The refund request has been in processing for several months. I get the same message from customer service every time I call, just keep checking your student loan balance and then youll know your application has been processed. I would like some help with getting my application processed please.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific fraudulent accounts and inquiries from my credit report. As a victim of identity theft arising from a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items removed from my credit file. 
Accounts to Block and Delete 1. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$13000.00} Inquiries to Remove XXXX. XXXX - Date : XX/XX/XXXX