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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX  [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my Lowes account 3 months ago and they have not reported it paid. I have copies of the bank statement that they cashed the check. This is slowing my credit from being restored.
Product: Debt collection

I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable  procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX  has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXXXXXX XXXX XXXX SOLD my CHARGE OFF account to the COLLECTION AGENCY to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with for {$370.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETEXXXX XXXX XXXX XXXXXXXX XXXX XXXX has written off {$550.00} and placed ( Settled for LESS THAN FULL Balance )!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report. These inquiries were made without my permission and appear to have been fraudulently initiated by various companies. 

I have spent numerous hours contacting the credit bureaus since 2023 to dispute several hard inquiries on my credit report, explaining that these inquiries were made fraudulently. Unfortunately, I have not received any resolution to this issue.
Product: Mortgage

Processed a complaint with your agency against ditech financial llc in regards to being sent multiple letters for weeks stating my mortgage is late and going to be put in foreclosure. Account was and is current. Your agency contacted ditech in regards to this and they apparently informed you it's been managed. It hasn't, still receiving letters that the account is late, and late fees are going to be applied. The letter is being generated weeks after ditech is receiving the payment for the account. Also the payment has gone up without explanation on why.
Product: Credit reporting or other personal consumer reports

I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX ACCT # XXXX AMOUNT {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting bureaus, XXXX, Equifax, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, Equifax, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please see the ATTACHED documents to assist in the blocking of the erroneous information and removing unauthorized inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 TRANSUNION 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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On XXXX XX/XX/2023, Navient received a copy of paperwork that showed everything from the previous complaints I've made. They continue to call me when I established a no-call contact with Will ( Employee ID XXXX ) on XX/XX/XXXX and spoke to him about my file and the information I sent that was received on the XXXX. They have refused to look at my paperwork with everything that explains that I qualify for the XXXX settlement, yet refuses to talk about it and asks me in a message if I received paperwork for something I never asked for on the XXXX of XXXX. 

In the paperwork I established for them to look at was a letter, some credit reports, a screenshot of part of the XXXX settlement website, and my original promissory notes. I've also left some notes and highlights on certain pages to rectify certain things such as me never signing a loan for the amount given, exact words from the website about qualifying, and credit reports showing why I qualify. 

Attached is most of the evidence given to Navient.
Product: Debt collection

NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. 
I need this corrected.
Product: Debt collection

Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX  Consumer Financial Protection Bureau1700 G Street XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Formal Complaint Against Equifax for Non-Compliance and Negligence in Credit Reporting I am writing to file a formal complaint against Equifax for their failure to correct inaccuracies in my credit report despite multiple requests and provided documentation confirming the errors. This negligence has significantly affected my credit score and overall financial standing. 

XXXX. Incorrect Account Entries : Despite clear evidence and repeated notifications, Equifax has failed to remove erroneous entries associated with XXXX XXXX  and XXXX  XXXX accounts from my credit report. These accounts were never opened or authorized by me. 
XXXX. Inaccurate Address Listings : Equifax continues to list multiple incorrect addresses on my credit report. My only current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This error has been pointed out numerous times without resolution. 
XXXX. Unauthorized Credit Inquiries : Equifax has not taken action to block unauthorized credit inquiries from entities such as, request an immediate block on all inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as these inquiries were not authorized by me. despite my explicit request to do so The persistence of these inaccuracies despite my efforts to correct them suggests a systemic issue within Equifax regarding data management and consumer rights protection. This failure not only undermines my financial health but also exposes a lack of adherence to the Fair Credit Reporting Act ( FCRA ), which mandates prompt and accurate correction of credit report errors. 

Given the severity of these issues and Equifaxs continued negligence, I request the CFPBs immediate intervention to ensure that my credit report is corrected and that Equifax adheres to the legal standards set forth by the FCRA. I am prepared to provide all necessary documentation and correspondence that substantiate my claims. 

I appreciate your attention to this serious matter and look forward to your swift action to rectify these ongoing issues. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Synopsis : Loan obtained through Goldman Sacks by XXXX, was paid off by a balance transfer with a lower interest rate. The full balance due was paid to XXXX. The pay off amount was obtained by the monthly statement they provided to me. The full a balance was paid before the revolving date on the loan. XXXX, the lender refuses to waive the residual interest after the balance was paid in full. -- -- -- -- -- -- - I have been a member/customer of XXXX XXXX since XXXX. A few months ago a recommendation was made to me by their website regarding a balance transfer option. The financial institution that was recommended was XXXX by Goldman Sacks. I accepted the offer. 

In XX/XX/XXXX i paid off the balance with XXXX, via a balance transfer from another financial institution with a lower APR. Unfortunately there was a residual balance left on my XXXX loan after the balance was paid in full. 

I reached out to XXXX, via telephone on XX/XX/XXXX, and spoke with a rep, then her supervisor, XXXX at their Texas location. I explained to her that i was a referral customer to them through XXXX XXXX, and asked if they could waive the remaining interest since i had paid the balance in full. I explained that their statement made available to me via their website advised me of the statement balance before the account/loan revolved. I also explained that I have paid off multiple, credit cards, loans and car loans, and the financial institution is always willing to forgive the remaining interest as a good faith gesture, and also to retain customers for future needs. 

XXXX the supervisor at XXXX refused to entertain my request and repeatedly shut me down. 

I feel that XXXX, refused to waive the balance because i took the loan somewhere else, and they are trying to make a few extra bucks where ever they can.
Product: Mortgage

My mortgage payment for some land was {$500.00} with SPS, the payment went up to {$1300.00}, effective XX/XX/XXXX. I completed a loan modification in XX/XX/2016, sent all documents 6 different times, each time calling SPS to confirm receipt of documents. On one occasion, I call the IT to go over the application. I have spoke with numerous supervisors, staff have put me on hold for 48 minutes with no response. Each manager says I have provided all that is needed, but I then get a letter stating I did not provide enough information and to send more of the same information, after supervisors have reviewed it and approved stating that they would escalate the process. I have spoken with the ombudsman on three occasions. The last conversation was on Thursday, XX/XX/2016 and was advised that I indeed had all documents, but they will call me back. I have not received a call yet. I have emails and documentation of the people and dates I have spoken to them. In addition my conversations were recorded. Now I am going on two months behind in my payments, which I informed them that there was no way I could make that large monthly payment. I was informed that if I did n't have the documents in by XX/XX/2016, my request to modify would be denied. I am at the end of my rope and do n't know what else to do. Could someone please help. I feel discriminated against and not treated fairly. I only kept calling to verify that documents were received and to ensure nothing else was needed. Each time I was not told the truth, even after requesting help from the ombudsman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the XXXX. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i did speak to four different companies about four different accounts on my credit report and they all said i have to pay and i let them know i have no knowledge of those accounts and i also asked for a wet seal letter and was denied, one account i cant even get in contact with the company about the account
Product: Debt collection

I keep getting phone calls sometimes 3 or 4 times a day but always atleast 2 times a day and sometime 45 mins or less apart. They have also been leaving kinda theatning message as well. I am on a fixed income and can not work or i would of paid it. I also was homeless for several months. These phone calls have been going on for over 1.5 yrs!! I believe they are breaking the law by repeatly calling me more than once a day. Thanks
Product: Credit reporting or other personal consumer reports

An account was established with XXXX XXXX in XXXX and was discharged to collections in the amount of {$1500.00} to Jefferson Capital on XX/XX/XXXX Jefferson Capital transferred the debt to a company called XXXX. I received a text message from XXXX on XX/XX/XXXX trying to collect the debt as well. I called XXXX and spoke with a rep by the name of XXXX and asked what was the nature of her call and she advised that Jefferson Capital sold them the collections debt of the amount stated above. I asked XXXX as well as Jefferson Capital to provide the original contract and or agreement purchased from the original creditor and neither company could provide the original contract. I also tried reaching out to XXXX to obtain the contract but was unsuccessful in retrieving it. I submitted a complaint to XXXX opting out and rescinding my authorization written and unwritten verbal authorization via electronic submission and certified mail.whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Please see attached letter to XXXX and their violation. I am writing to formally request that XXXX XXXX honor my rights as a Federally protected consumer. I am requesting that XXXX XXXX immediately and indefinitely opt me out of sharing any of my personal data with third parties as per USC 15 6802. which states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account is considered to be an adverse item that was reported without my permission per usc 1681s-is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting " I also request that XXXX XXXX rescind any and all authorizations and consents previously given concerning the use and sharing my personal information. This is to ensure that my records accurately reflect my current preferences regarding the handling of my data. Please acknowledge receipt of this letter and confirm in writing that my requests have been processed. I expect that XXXX XXXX will take the necessary steps to ensure compliance with my request in a timely manner.
Product: Debt collection

Received a notice from these crooks at Portfolio Recovery Associates. They said they "bought" a debt from XXXX {South Dakota} XXXX XXXX for $XXXX, Account number XXXX> First, I don't know what the hell they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX   br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact XXXX, call . XXXX XXXX XXXX. fot the Portfolio folks, call XXXX XXXX XXXX XXXX.Looking for some help.
Product: Credit reporting or other personal consumer reports

Subject : Charge-Off Dispute and Correction Request Under XXXX XXXXXXXX I am writing to formally dispute a charge-off entry on my credit report. 
Under XXXX XXXX of the Pennsylvania XXXX XXXX XXXX, I have the right to request a detailed account of the charge-off and its related transactions. I am disputing the accuracy and validity of this charge-off. I request that you provide proof of the debt and the charge-off details, as outlined under XXXX XXXXXXXX XXXX which mandates a creditor to provide an accounting of the debt. I request for action Verification, Correction, & Removal. Please provide me with written confirmation of your receipt of this request and notify me of the outcome of your investigation within the timeframe required by law. Enclosed are copies of my credit report highlighting the charge-off entry in question, as well as any other supporting documents for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, 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