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

In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 am frustrated to see Equifax stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifaxis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Equifaxto please remove the accounts from my file : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting the credit collection agency, they never responded. I tried contacting XXXX and Equifax and they still will not correct this error on my credit reports.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the federal law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the reports relates. 

I have attached a copy of the original dispute letters sent to Experian, along with a copy of my driver 's license, recent utility bill and a copy of the FTC identity theft report for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) Tomorrow  credit XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Money transfer, virtual currency, or money service

After I completed my XXXX XXXX application and was ready to start my trading experience a person called not saying their title or what there reason was to call me other than they found I had a new account, without me ever asking for their help or ever specifically calling them. I think this is a scam service and do not want XXXX XXXX 's help, or anyone 's help that does not state their business reason for getting my phone number and calling me. Anyone that calls should state their reason, professionally. 
The message included the following : Hi, XXXX. This is XXXX XXXX calling from XXXX XXXX calling about your new brokerage account. When you get an opportunity please call me at XXXX. My extension is XXXX. Thank you and have a wonderful day bye. 

This was not professional at all.
Product: Mortgage

In XXXX of 2018 I closed a loan with Ditech. The pay off loan was funded on XX/XX/2018 and Ditech didn't close the loan until XX/XX/XXXX. Ditech reported to the credit bureaus a 30 day late payment even though they said it was funded on the XXXX. I contacted Ditech in XXXX when I discovered they had reported a 30 day late payment. They advised me to send the closing documents which showed when the disbursement actually occurred. I emailed to their customer service department the closing documents. I never heard back from them. Now in XXXX, the late payment is still showing on my credit. I called Ditech again, they have no record of my previous call and now I have to fax or mail the closing documents into them. Either way they have falsely submitted a 30 day late payment.
Product: Credit card or prepaid card

I made a purchase with my XXXX XXXX credit card from XXXX XXXX which I received XX/XX/22. Upon receipt I tried it on and it was too large. I immediately returned it and it was received back to XXXX XXXX on XX/XX/22. I wrote on the receipt to return back to original payment method which was my XXXX XXXX Credit Card. Instead of issuing a credit they said they would issue a Gift Card. I told them I did not want a gift card and to refund my original payment method. They assured me that is what they did they cancelled the gift card and issued a refund. That has never happened. I have called XXXX times since XX/XX/XXXX to see why my refund has not been issued and I keep being told to give it a little more time to process. I still have not received my refund to my original payment method. These calls have taken place between Woman Within, XXXX XXXX and Comenity Bank customer support. They deducted my payment for the item so far {$29.00}. The rest to be deducted this month. I have also reported this to the XXXX XXXX XXXX. They informed the XXXX XXXX XXXX that it has been taken care of which it has not!!!!!! I want them to refund the {$39.00} for the item purchased and issue me a check in that amount. Cancel this credit card because I never want to deal with these people or this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is falsely reporting the late payment history for XXXX account XXXX. False reporting late payment history is a violation of the FCRA. I have requested in my dispute multiple time for Equifax to stop reporting this false and subterfuge entire late credit history because of this is a violation of the Fair credit Reporting Act by Equifax to report false and subterfuge information. 

See attached supporting documentation
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff XXXX XXXX XXXX  Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCA ), ( 15 U.S.C 1681i. which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Several years ago, approximately 2012, I took out a payday loan to help cope with a medical emergency. I had made payments for several months. I believe I repaid at least the amount borrowed or came fairly close. Regrettably due to the continued medical issue and resulting limitations on work, I was unable to continue paying the loan. Subsequently, My family in XXXX and XXXX were contacted by a collection agency regarding the debt. At XXXX point, my brother in XXXX had his dog threatened by the collection agency. My niece in XXXX was called countless times. She reports that the collection agency threatened to take her home. They cussed at me and left messages with cursing actions. To be honest, I am not sure if they actually threatened law suits because the language became quite escalated. I remember leaving with the distinct impression that they were discussing a legal liability. My bigger concern however is the threats to my family and the abusive language. In order to get them to leave my family alone, I contacted the agency and set up a payment arrangement. At this point I contacted a financial counselor who cautioned me that this loan may be of questionable legal standing in XXXX. Consequently I postponed payment and requested information from the agency regarding the debt. They denied that they had to provide any paperwork about the situation. I contacted the original creditor and they told me to contact the collection agency. I attempted to request the mailing address for the collection agency and they refused to provide the information. I called back with my financial counselor and they also refused to provide any of the information we requested. Even the company name was not disclosed. They may be XXXX XXXX or they may be collecting for XXXX XXXX. They identified themselves as Dispute Resolutions Services but would not clarify if they were a department of XXXX or a separate company. It was at this point that I reached out to the CFPB.
Product: Mortgage

This has by far been the worst mortgage loan servicer I have ever worked with ( Select Portfolio Servicing , Inc. ). They misapplied extra principal payments on my 2nd mortgage account multiple times and after 4 calls ( one about every 3-4 weeks ) after selling our home ( and the loan now being paid in full ) I still have not been able to get them to properly classify the extra month of principal payment ( rather than being applied as an unapplied payment and then moved to a future month interest payment. My monthly principal and interest payment was {$250.00} and I was paying an extra {$300.00}. This {$300.00} payment was made on XX/XX/XXXX and was treated by their " cashiering department '' as a payment due in a future month and their online site/mobile app showed that I didn't have a payment due until XX/XX/XXXX. My loan was paid in full as of XX/XX/XXXX and after 4 calls, I still have not made any progress with them. When I call, they say that my account has been paid in full and they can't find my account number. I have been on the phone for around an hour each time. It is beyond frustrating to waste so much time and get nowhere with these people. Even their managers just say that their " cashiering department '' is way behind and it will be another 3-4 weeks each time for them to respond or look into my request. I hope someone in a regulatory position can investigate this company for their unfair and likely illegal business practices to treat additional principal payments as interest and hold onto it and close out accounts that are paid in full upon sale/closing proceeds being paid to the lender to pay the balance in full. It is also noteworthy to mention their extremely poor customer service as I have never received a phone call, email, or letter explaining anything after my repeated calls to request them to look into their issues with how they account for additional payments even after their customers call them to look into issues.
Product: Debt collection

I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}.

I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. 

I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. 

I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the account I hold with the XXXX XXXX XXXX store, which is currently affecting my credit report. 

The account in question was opened in XXXX of XXXX, and while it was paid as agreed, there are inaccuracies in the reporting of late payments. Specifically, despite a due date change requested and completed by XXXX, the store manager at the XXXX location in XXXX, the account continues to be reported with late payments. 

Due to delays in receiving the goods associated with the account, XXXX initiated and filed a due date change until the items were received. However, despite this action, the account is still being inaccurately reported with late payments. 

I am seeking your assistance in rectifying this situation by ensuring that the information reported accurately reflects the actions taken and the agreement reached. If necessary, I am prepared to pursue legal action to address the false information being reported, as it is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bank Deal - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX, TX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX Duplicate inquiry XXXX XXXX XX/XX/XXXX Duplicate Inquiry
Product: Checking or savings account

Navy Federal received a non legal document from the NYS child support corporation stating that I have a judgement against me. I have written the NYS corporate and asked for proof of this debt or undertaking or signed judgment from an administrator. They have failed to provide me with that proof. I called the NYS corporation and asked is there a debt owed to the state of New York and they said no, that I dont owe the state any money for child support in fact I dont have a child that lives in that state of New York. I have asked Navy Federal to please send me a warrant or a signed judgment from a competent court house or administrator or judge to prove there is a debt. The document they received has no state seal or judges signature to seize my assets. Federal law is clear on the facts about child support. Navy Federal has closed my account and has taken my money, based on nothing but a piece of paper thats not a legal document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion based on fact. Companies were paid earlier in month. They have NOT RESPONDED WITH CORRECT BALANCE OR CORRECTING INFORMATION. Meanwhile my credit score remains low impacting my ability to gain better refinance terms. Attempt to reach Experian by phone fail, they basically tell you to XXXXXXXX XXXX while the company responds. In my opinion this works for the BENEFIT OF LENDERS! So where do you CFPB PROTECT WE CONSUMERS?????
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX.
Product: Payday loan, title loan, or personal loan

I took out a high interest loan due to financial crisis. After working with a XXXX XXXX, he advised me to investigate whether this loan is in fact legal? Due to the fact that the interest rate was a 199 % and the online " lender '' is out of state. 
Online loans are illegal in MN and lenders need an NMLS # to do business in MN. To my knowledge, they don't have an NMLS #. Questioning whether they need an NMLS or if they're " covered '' under the FDIC Bank they're partnering with? 
I have since transferred this loan to another lender at 0 % interest. Do I have any recourse at thi point???