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

I filed a XXXX complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further.

Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I discovered glaring inconsistencies in the information provided. TransUnion reported a date of last activity as XX/XX/XXXX, while XXXX indicated XX/XX/XXXX, and XXXX XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account.

Additionally, there are discrepancies in the reported high credit limit across all three credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided.

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by XXXX. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing. 

As a result, I am requesting the immediate removal of account XXXX from all XXXX  credit reports. Failure to rectify this situation promptly XXXX compel me to pursue legal action for gross misconduct and defamation of character. 

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.
Product: Student loan

student loan amount of {$700.00} was taken out from my bank account but doesn't show on navient account because navient account shows that i only made a payment of {$240.00}. They couldn't figure out where the money went, including the manager. I had to waste 30mins of holding and figuring out with them over the phone.
Product: Checking or savings account

On XX/XX/XXXX a check was deposited for {$510.00}. This was an insurance check and none of the funds were made available prior to the release date of XX/XX/XXXX. In addition, the bank has limited ways to fund an account. After being told that no checks would be returned, nor would any overdraft fees be collected, they immediately returned a check for {$100.00} and did not make me immediately aware of any holds on the funds, but did so by mail, received XX/XX/XXXX. I believe that several of the regulations set forth in Regulations CC and Expedited Funds Availability Act when an insurance check.
Product: Credit reporting or other personal consumer reports

starting XX/XX/year> company stopped my auto payments, which resulted in a late payment and not being able to access my account online. I resolved the matter before before reporting to the credit bureau. I asked to reestablish auto pay but was told i had to do it through the website and they could not do it over the phone. Since I could not gain access to the account online, I set up payments from my checking bill pay. In XXXX, it got a paper statement showing I was late on a payment. I called to dispute the info, and tried to find out where my payments had been applied but could not get the same answer twice. I then verbally told them I was disputing the account as I should have had payments applied. I mailed a letter with copies of my statements but nothing was done. Unfortunately, I did not not send it registered mail. Then, they reported me late to the credit bureau. I was livid, I called, paid the amount due to avoid further damage to my credit and faxed the same 32 pages of bank statements to the comapny. Again I was told I would get a response within 24 hrs. I called again yesterday and was told that my Credit bureau complaint was denied but my billing dispute was still under investigation, which makes no sense whatsoever. I am still unable to access my accouint online and no one seems to be able to give me a straight answer. i have worked hard to reestablish my credit and need help resoloving this matter.
Product: Credit reporting or other personal consumer reports

Reporting late payments on a loan that's not technically mine. 
According to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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 account under an open end consumer credit plan as late for any purpose
Product: Student loan

After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!
Product: Debt collection

Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, XXXX, XXXX, Equifax, XXXX XXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by XXXX XXXX XXXX XXXX. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by XXXX XXXX XXXX XXXX for a lower amount. The information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! XXXX XXXX XXXX XXXX has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH XXXX XXXX XXXX XXXX. This debt is being reported illegally and must be DELETED IMMEDIATELY. In your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Complaint Department - Credit Score Accuracy XXXX  XXXX XXXX  XXXX XXXX TX XXXX I am writing to dispute the Credit Score Data on my credit report is inaccurate, and NOT updated correctly as the FCRA detail and the State of Washington Consumer Credit Reporting Acts also details. According to FCRA under Title 15 Commerce and Trade, Section 1681, None of my information is being updated as True, Accurate, or with prompt relevance. Your Agency is in direct violation of the FCRA and the WACCRA. 

SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Your Agency has failed to update my Credit Score appropriately and within a reasonable amount of time. Therefore, I am tendering this letter as a FORMAL NOTICE to correct that discrepancy and ERROR within your system. I will be tendering this information to the FTC and other Federal Organization to review your practices and correct this inaccuracy. 

Enclosed are copies of other creditor Score Monitoring Sites, that quite plainly show a more accurate picture of my credit score and worthiness. Why your Bureau is so lack luster on updating information remains a mystery and is an FCRA failure on your part. 

Please reinvestigate this CREDIT SCORE Reporting issue and your INACCURACIES PROMPTLY and correct this information in accordance to the FCRA Federal Rules. I WILL expect a favorable response from your Agency regarding this issue. Tender a Formal letter in response to the address listed above. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Product: Vehicle loan or lease

On XX/XX/XXXX, I XXXX XXXX, walked into XXXX XXXX XXXX XXXXAuto Now Financial Services for a car. XXXX XXXX XXXX XXXX XXXX The representative at XXXX XXXX proceeded to ask me for my social security number. In doing so, we had now entered into a consumer credit transaction. 
Auto Now Financial Services stated that in order to obtain the car, they required a {$2100.00} down-payment. Then proceded to charge me every month after, Bi-weekly, {$260.00} This is in complete violation of the Truth in Lending Act and is fraud. 
Pursuant to 15 U.S Code 1644 ( a ) this is fraudulent use of my credit card ( XXXX fine ) and 15 U.S Code 1662 ( b ) mixing cash with consumer credit. ( XXXX fine ) My XXXX was payment for the car and they repossessed due to " non payment ''. 
They are also committing Securities Fraud pursuant to the Securities Exchange Act because they have now sold my contract to 3rd party agencies ( which goes against their contract, which in then makes it VOID ) and have profited off my security and I still don't have my vehicle nor my funds returned. 

I am demanding immediate compensation for the hardship I have had to endure due to the Fraud being committed. If payment is not received within 5 days of this notice and/or complaint a Federal Lawsuit WILL be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to file a dispute with Experian to correct my report regarding XXXX XXXX XXXX XXXX. I filed for a Chapter XXXX bankruptcy XX/XX/21 and received a discharge order. 

XXXX XXXX continues to indicate that the account is open has been unpaid for more than 180 days.
Product: Credit reporting

Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
Product: Credit reporting or other personal consumer reports

I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint. I have a current XXXX Account and multiple accounts with XXXX XXXX, personal and business, all accounts are current, in good standing. Spring Oaks Capital has numerous complaints with the XXXX I have never given consent to Spring Oaks Capital, signed any contract or verbal agreements with them. I want these collections taken off my credit report.
Product: Credit reporting

TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report
Product: Mortgage

This property was being worked on by the former Servicer Ocwen Loan Servicing. 
The new Servicer PHH could not give us any information on this property, even though they told us that the loan number was going to remain the same.They could not find the property in their system. We received no correspondence from PHH. After continuously calling one representative took the time to research what we were telling them. He found the property but the Loan Number had changed from XXXX to XXXX We did not know that all of the work submitted on this home would not be recognized by the new servicer PHH. 
1. We sent a loan modification package at their request. ( took over 3 months ) could not use it! 
2.Ocwen requested XXXX A Family Transfer Package 3.Ocwen Requested - The Qualifying Assumption Package 4. Ocwen requested a new Deed All of this was submitted through XXXX XXXX @ XXXX optrion # 1 Ext. XXXX Fax : XXXX. 
We learned about the sale date on the property by a person inquiring about the property. We did not receive the 30 day notice informing us of the pending foreclosure sale. 
After months of submissions PHH, has no information on all that we submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive data breach by Equifax announced on XXXX/XXXX/XXXX that included full names, dates of birth, social security numbers and other personally identifying information, including possibly driver 's license and credit card numbers. 

Equifax says the breach begin in mid-XX/XX/XXXX and was not detected until XX/XX/XXXX. Equifax did not notify the media until XX/XX/XXXX, and I have still not been personally notified. 

To add insult to injury, they offer one year of credit monitoring, but make me wait another 3 days to enroll ( they gave me an enrollment date of XX/XX/XXXX ). How does one year of credit monitoring help? My full name, social security number, date of birth, and possibly other details will be freely available from now until the end of time, and none of those details are changing anytime soon. There 's no way to scrub that information from the internet, and by now thousands, if not millions of downloads of that data will have taken place. 

I wo n't be surprised if we find that the data was in plain text, as Equifax makes no mention that the data was encrypted, and it would have every reason to publicize that fact if it were true. If they did store them in plaintext, or the passwords to unlock said encrypted files in plaintext, that 's beyond negligent. It 's downright reckless. 

It appears they have not learned their lesson on security. See the below quoted text. 

I am appalled when an organization whose services I use has a data breach, but this is beyond the pale because I did n't volunteer any information at all to Equifax, and yet they stored all these details in an apparently insecure fashion, and the details themselves are so, so, so much more damaging than even a banking website breach would be. At least changing password ( and possible username ) would likely prevent any further damage, but this is damage that is indefinite and immeasurable. 

From this url ( not my words from this point forward ) : https : XXXX " What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The TLS certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned Open DNS was blocking access to the site and warning it was a suspected phishing threat. 

Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX am California time : ''
Product: Debt collection

The amount of {$6500.00} was placed for collections on XX/XX/2023. I was notified by an app on my phone that a collection was placed against my name. I reviewed the information available in the app and found that " Genesis Credit Management '' was the holder of the account. I then contacted Columbia Debt Recover LLC DBA Genesis and was informed that the debt originated from a rental agreement in my name with XXXX XXXX in XXXX, Maryland. I did not sign any agreement with XXXX XXXX, nor have I ever lived in Maryland.