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

Account Number # XXXXJoint Installment Loan from XXXX XXXX XXXX  XXXX XXXX XXXX. Source of dispute information : The attached report from Equifax has the account balance, dates and payment history listed inaccurately. 

XXXXType of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts XXXXDates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

XXXXExplanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

XXXXThe creditor refuses to provide any more details or information about the closed installment loan # XXXX from XXXX XXXX XXXX XXXX XXXX I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

XXXXThey have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX  said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of XXXX. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low 500 's, Now in the mid 600 '' s. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXX they are the WORST company to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Experian credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 
Experian has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ). 
I am writing to you to ensure Experian update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for Experians negligence to comply with duties imposed by the FCRA willful noncompliance. 
Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent. 
Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information. 
In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 
There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Student loan

I am in a loan repayment program with the national institutes of health and I entered into repayment for my private student loans from Navient and they charged me fees of {$1100.00}, {$1100.00}, and {$1600.00}. I called and was told this is because the loans are now in the repayment stage. This is absolutely unacceptable. So because I am paying the loans I am assessed a fee? How is this acceptable. I was told to write a letter to them regarding this as this was my only course of action. How are we also penalized for paying our loans? This should be outlawed.
Product: Debt collection

Received notice from Midland demanding payment of which I do not owe. Midland is also under investigation regarding their business practices in the state of Massachusetts. They do not have a business license. They have endless lawsuits against them for their illegal actions.
Product: Debt collection

This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by Experian and XXXX, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have Experian to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the Fair Credit Consumer Act.
Product: Debt collection

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I will be seeking to file a complaint with the FTC and XXXX if this account is not deleted off my consumer report and to my knowledge, I do not recall any of these accounts. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated it is plainly stated a failure to investigate these items to immediately remove this item from my credit report. Follow the orders on my cease and desist if not able delete this account immediately.
Product: Credit reporting or other personal consumer reports

There is credit card from XXXX XXXX " XXXX '' reporting on my consumer report that is not mine. My name is XXXX XXXX XXXX not XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC  Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Received a letter from Cash Net USA saying I owed them money for an account I had with XXXX XXXX only account I ever had with XXXX XXXX was a home mortgage that I closed out in full ( per credit report ), XX/XX/XXXX. I talked to a representative named XXXX from Cash Net USA ( on XX/XX/XXXX XXXX CST ) in regards to this matter and was asked verification questions which did not match me.She asked if I was contesting this debt and I replied " Yes '' .She then steered me towards getting a credit report, which I did.My credit report shows no debt 's owed to XXXX XXXX .
Product: Mortgage

I sent a previous complaint XXXX ; this is in follow up. 
In summary Carrington Mortagage took over my loan from XXXX XXXX   in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. 
The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written good will letters to take off late XXXX payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.
Product: Credit reporting or other personal consumer reports

This all has to deal with a XXXX XXXX that I originally filed a complaint about ( XXXX ). XXXX has since then given me access over the vehicle I leased and I can finally physically gain access to the car I leased in XXXX. 

My issue now is with Ally Bank, who is handling the lease. My issue is that for whatever underlining problem there was with the XXXX, Ally had the same problem where my info was intertwined with someone else info where I could not create an Ally online acct. to make payments. This went on for months until they asked that I mail in a check of which I did on XX/XX/XXXX. Around XX/XX/XXXX, I was finally able to create an account where I quickly made an online payment since the check I sent was still not posted and somehow Ally ended up taking around {$1600.00} and the check amount all at once. 

After this error, I have requested a refund, of which I spoke to XXXX at their Call center ( emp. ref. XXXX ) and she said it would be 10 days. 

The huge issue is that Ally has reported to the credit agencies that I was delinquent on payments over the time I was unable to resolve the account issue with them. I have spent hours on the phone since XXXX to resolve whatever it was that wouldn't allow me to create an account and now I have my first delinquent payments in decades because of them. 

I need them to remedy this as it was not my fault their was some error on their end that I couldn't make payments but the second I can, they collect over {$2400.00} at once.
Product: Mortgage

The reason for my review request is my fiance past away from XXXX which effected my total combined income. When i requested a loan modification that PHH denied on XX/XX/year> PHH did not include my income. I have had a very difficult time with PHH Mortgage. Every time I submit documents for the loan modification, PHH will request the same documents again. Every time I call I get a different answer to resolve my modification review. I was declined again after going through a major family tragedy from XXXX. I am back to work full time and based on mortgage banking guide lines I can afford my mortgage. I am asking for a Tier 2 review for my modification review to save my home and avoid a foreclosure. 

Please place my modification back in review with the correct income being used.
Product: Credit reporting or other personal consumer reports

i requested that my personal information be updated and called as well with progress i was told i couldn't update my address over the phone twice
Product: Credit reporting

Experian credit reporting agency is reporting a tax lien that does not exist. The county they are saying filed it is XXXX County Oklahoma. They are reporting {$52000.00} from XXXX County Clerk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ok XXXX phone number is XXXX ( XXXX ). No such tax lien is existing. I have had no luck getting Experian to remove this. They are also reporting a lien that was paid in XXXX County as unpaid when it is paid.
Product: Mortgage

Wells Fargo Home Mortgage said I was behind on my loan for 6 months and when file for bankruptcy XX/XX/XXXX they should have given all information need to bring loan current amount they given was {$4500.00} to be paid through bankruptcy. I paid Well Fargo payments XX/XX/XXXX - {$470.00}, XXXX/XXXX/XXXX - {$470.00}, XX/XX/XXXX - {$470.00}, XX/XX/XXXX - {$250.00}, XX/XX/XXXX - {$220.00}, XX/XX/XXXX - {$480.00}, XX/XX/XXXX - {$24.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$400.00}. 
XXXX XXXX XXXX XXXX first payment was on XX/XX/XXXX - {$80.00} second payment was on payment on XX/XX/XXXX - {$480.00} and continue payments. 
Well Fargo said they did not receive payment from me during that period, I have my bank statements to show I did. Well Fargo is part of the organization with XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX law firm all have had a role in deceiving me with my loan with XXXX. They paid {$4500.00} but did not put payment complete on website
Product: Mortgage

Fay Servicing has not provided us HAMP nor HARP information. Interested to look at those options asap.
Product: Mortgage

I discovered that there were checks attached to documentation that was sent to me from XXXX. When I discovered this I had 2 stale checks. For 2 years I have called spoke to multiple people and told that it would take XXXX weeks to be resent. I wait start the process all over again. Nothing has happened no check replacement to letters or calls NOTHING. I have the checks in my procession and XXXX of the agent stated that can see that the checks have not been cashed. Last 2 times I was told that it was because of a new regulation that had to be completed. We completed them. I was told to make sure I let whoever I speak to that the old account number was XXXX, because it was switched to SierraPacific XXXX and then to XXXX. Which are all subsidiaries of XXXX. The second escrow check they sent attached to the paperwork, never should have been refunded because by doing so meant my Home Owners didnt get paid and I did not know it. I want this money back and very tired of hearing the same BS each time I call. 
First check # XXXX dated XX/XX/XXXX amount {$110.00} Second check # XXXX dated XX/XX/XXXX amount {$830.00} The name on the check XXXX XXXX XXXX This is unacceptable and I do expect them to pay me the interest. My belief is that they are waiting until it is too late. I would appreciate your help with this. I have been in touch with all of the institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from XXXX or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below for several times and talked to them about the issues with my account as reported by the EQUIFAX. They have advised me that they will correct the credit report accordingly and accurately, however, as I reviewed my recent report the account still reporting inaccurately. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Debt collection

According to 15 U.S. Code 1692c - Communication in connection with debt collection, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act.

These account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, balances - Delete Account Immediately for violation of 15 USC 1681e ( b ) 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