23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I outreached the student loan serving company and applied for forgiveness and was unable to get balance information, transfer of debt and regarding if approval was granted. 

There is a discrepancy in loan payment, loan amount and balance. I was also wrongly denied for student loan discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a lease with Hyuandi and used their in house financing through Hyuandi Motor Financing. 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 manager. 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. Low 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 Hyuandi. 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: Mortgage

Around XX/XX/2022, I received a bill from my insurance provider, XXXX XXXX, to pay my homeowners insurance for XXXX, due on XX/XX/2022. I informed XXXX that I was selling my house effective XX/XX/2022 and did not want to renew. On XX/XX/2022 LoanDepot disbursed {$980.00} for homeowners insurance to XXXX. XXXX has since issued a refund check to LoanDepot for this amount. On the morning of XX/XX/XXXX, I contacted an escalation specialist, XXXX XXXX XXXX, to request a return of the funds that were wrongfully and prematurely disbursed. XXXX told me that I would have to get the money from my insurance company, which had already sent the money back to LoanDepot. XXXX has since refused to assist with recovery of my funds and has refused to return my funds. LoanDepot is in wrongful possession of my funds and claims that this disbursement was my fault. 

This is a pattern and practice of unfair and deceptive behavior by LoanDepot within a short time period, as LoanDepot also wrongfully withdrew over {$4200.00} from my checking account *after* my loan was fully paid. That is the subject of a separate complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK HOME MORG.

Reporting my paid off home loan as 30 days late in 2016. 
They will not fix it to current.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Product: Bank account or service

My primary bank is Fifth Third Bank, as it has been for 15 or more years since I opened my first bank account. To my knowledge, I have not disputed charges in the past but did so recently when I made an online order that I canceled within 10 minutes of the order itself. I called Fifth Third 's XXXX number and was informed a provisional credit would be made. I offered to provide the email canceling the service but she said it was n't necessary. The charge was for {$99.00} which caused, partially, my account to be overdrawn and {$110.00} in charges from Fifth Third Bank itself. I recently received a letter saying they denied my dispute because the cancellation must be provided to the merchant before the posting of the item. I am confused because in this instance, it was provided prior to posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of XXXX XXXX back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost XXXX  years ago so I do not have the whole account number but it is listed on my report as XXXX, the last XXXX digits of my SSN is XXXX. 
We agreed almost XXXX  years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.
Product: Credit reporting or other personal consumer reports

You received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you TRANSUNION, stating that the account was verified!!! Of course this puzzled me when I never asked you for verification I simply told you that I was aware of the laws you were breaking. for example, how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? DO YOU STILL FALL UNDER THE FCRA LAWS? DO THEY KNOW YOU ARE WILFULLY VIOLATING THEY LAWS AND MY RIGHTS? OR DO YOU JUST NOT CARE? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. Just because a creditor reports it to you don't forfeit your obligation to follow the law! 
I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, XXXX & TRANSUNION have fraudulently verified an account without a reasonable procedure as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I sent letters to each credit bureau. I want XXXX name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not jams f XXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use XXXX name, XXXX address, XXXX phone number. The credit bureaus after XXXX times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructionsI
Product: Student loan

I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  OTHER NAMES LISTED DO NOT BELONG TO ME -XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This debt has been sold and traded between these companies without my permission. I was sent a letter claiming a debt of a different amount from the following company claiming owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with a wet ink signature, this has not been provided. This debt is being reported as some {$63.00} and paid, I HAVE NEVER PROVIDED ANY PAYMENT INFORMATION TO THIS COMPANY. This has been disputed. XXXX Report Number XXXX My information was sold to And purchased by PRO COLLECT XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. PRO COLLECT was in violation of my consumer rights so reported this debt as paid and then sold it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX placing them in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they have not been able to provide this.
Product: Credit reporting

Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. 

There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have rights under the Fair Credit Reporting Act. XXXX XXXX  has yet to prove to me that they have a legal right to report my personal financial information. 
15 USC CODE 6802 under the Fair Credit Reporting Act states, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given in writing, or by electronic form or any other form by XXXX XXXX  to grant permission to disclose non-public information to third parties such as the major credit bureaus and other reporting agencies. I was also never given the opportunity by XXXX XXXX  to direct that such information not be disclosed. Furthermore, I was never given an explanation of how I can exercise that nondisclosure option when I first became a customer in XXXX of XXXX I request that the information reported to all major credit bureaus be removed immediately.
Product: Credit reporting or other personal consumer reports

I have not checked my credit report for many years. When I finally did, I was shocked at how many incorrect information was on it. 

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following incorrect names must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
Product: Debt collection

I recently received a letter from a collection agency in regards to a debt I know nothing about from  Penn credit I  have no agreement or contract with this company
Product: Debt collection

I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I have tried to dispute these inquiries that I do not recognize and these have yet to be disputed off my credit report. In accordance to section 606, 611 and 612 of the FCRA this should be properly investigated and verified in its entirety if this is accurate when in fact it is not. Due to this information not being verified and not receiving any correspondence within the 30 day timeframe these unauthorized inquires need to be deleted off my credit report. If these items are not deleted or verified properly with investigation then they would be in violation of Consumer 's Rights and could face a large fine. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

You are listed on my credit report without my knowledge or permissible acknowledgement. In truth, you accessing my social security number without my consent is identity theft. What is worse is that you have not sent me a letter allowing me time to review such the alleged debt. Nor did I receive any notice of you implying I owe you money.
Product: Mortgage

On XX/XX/22 I put $ XXXX down to purchase a house the realtor had me sign an appraisal waiver without discussing comps with me or putting a little on what I would pay above appraisal. The appraisal came in $ XXXX short of the agreed upon purchase price. I dont have the cash to close Im not a millionaire now Im being told Im going to lose my $ XXXX. Please help me get this resolved.
Product: Student loan

While in school, my XXXX loan was taken out of deferment due to a miscommunication between my school and servicer. It took several phone calls and emails to correct the situation with XXXX. Now, approximately three months later, I 've just received a past due notice on a XXXX loan that should n't even be in repayment yet - I graduated four weeks ago and have a six month grace period. Nevertheless, XXXX has sent me this notice and has yet to respond to my email that was sent on XX/XX/2016 addressing this error. As it was a very complicated and drawn-out procedure last time I tried to work with XXXX, I 've chosen to escalate this situation to the CFPB.