23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as Experian, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX A XXXX .... Balance : {$130.00}
Product: Debt collection

On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my nameXXXX XXXX XXXXXXXX is the bank and the Plantiff is noted as MIDLAND CREDIT MANAGEMENT INC. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police Dept . I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact XXXXXXXX XXXX XXXX  with no success due to it being outside of their business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I emailed and called Equifax for the last 18 months trying to get a charge off that was placed by XXXX XXXX I have never had a XXXX XXXX account and I was able to proved this with XXXX and XXXX and has been removed with both of these companies. I saw the report where Equifax has been sued by the CFPB and I would like my complaint filed against them for not investigating and doing there job
Product: Credit reporting or other personal consumer reports

I saw my credit this morning and I am still disappointed because there are still inaccurate accounts showing up on my credit report.
Product: Payday loan, title loan, or personal loan

The regional finance in XXXX Texas and the person worked there at that time hit my daughter with door this was year 's ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and Transunuom
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account Nunber  XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 instructions.
Product: Checking or savings account

Hello, I am writing a file complaint against navy federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds. When transactions were authorized. I was charged fees due to lagged postings of changes and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite current available funds. I believe this was unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account ending in : XXXX To Whom It May Concern : On XXXX XXXX XXXX, I made an uninformed decision when I entered in this consumer credit transaction when there was no evidence of indebtedness. The only evidence of the debt was the agreement but that agreement is null and void because i did not understand its meaning, it was not clear and conspicuous according to 15 USC 1601 ( A ). 15 USC 1602 ( K ) also states that such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. XXXX XXXX XXXXXXXX has taken of advantage of me and violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : 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 Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 
15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Clarity Services , Inc  on XX/XX/18 regarding an item that is listed on my Consumer report by XXXX XXXX. I faxed to Clarity Services the Bankruptcy order which shows XXXX XXXX  listed as a unsecured creditor and I also included the discharge order. I received a letter from Clarity Services on XX/XX/18 stating that the investigation was completed and this information is accurate and complete and will remain on your file. Maybe I am confused, which I doubt I am, but I need someone to explain to me how this information is accurate and complete. I filed Chapter XXXX on XX/XX/2018 and XXXX XXXX was notified by myself as well as my attorney regarding this case. We had the meeting of the creditors on XX/XX/2018 and not one of my creditors appeared in court including any representative from XXXX XXXX. My case was discharged on XX/XX/18. Therefore once I received my discharge order from the court any debt that is dischargeable is no longer owed which includes XXXX XXXX. There should not be a dollar amount in the trade line but a XXXX balance-discharged in bankruptcy on this trade line that is the LAW!!!!!!!!!. anything else reported is derogatory and is not allowed!!!!!!!! .I received a legal discharge from this debt and I do not understand why I am having to fight with XXXX XXXX and Clarity Services regarding this matter. Clarity Services should have updated my report to reflect this and they failed to do so. Furthermore If XXXX XXXX was that concerned about this matter they would have appeared in court on XX/XX/18. I GUESS THESE PEOPLE FEEL THEY ARE ABOVE THE LAW AND THE RULES DO NOT APPLY TO THEM. I AM SICK AND TIRED OF HAVING MY CONSUMER RIGHTS VIOLATED!!! I SEE WHY THE FTC IS ALWAYS SUING THESE COMPANIES BECAUSE THEY ARE SO EVIL!!!!
Product: Payday loan, title loan, or personal loan

Today, I got a message from my dad that XXXX XXXX, an employee at Omni Financial, was trying to contact me from an Alabama number today, XXXX XX/XX/2023. I call back at XXXX EST and reach her. She said she called my references because I was 23 days past due. I explained not to do that because my father is XXXX and will worry. And also explained that I am going through a hardship but will pay on the XXXX. She states that the company had been directed to call several times and I told her thats against debt collection practices you cant even call 7 times in a 7 day period she starts cussing at me saying all types of curse words at me I yell at her back like what is happening I cant believe this?! She then hangs up on me. I call back to leave a message for her supervisor. This is unacceptable and unsatisfactory for buisness practice to treat members of the military or anyone for that matter hardship or not this way. It is unprofessional it is disgusting and I am not even 30 days past due as of today. Something needs to be done asap.
Product: Student loan

I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

On XX/XX/2020, Shellpoint Mortgage Servicing ( NewRez LLC dba Shellpoint Mortgage Servicings NMLS ID is XXXX ) transferred the servicing of my loan to XXXX XXXX. At the time of the transfer, my balance was {$0.00}. 

Despite the transfer of the loan and the fact that I owe no money to Shellpoint, Shellpoint has reported my account as " past due '' to at least two credit bureaus ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). They also reported that the delinquent balance was {$0.00}. 

No payment is owed on this loan and no amount was ever past due. Shellpoint 's reporting to these credit bureaus is clearly an error or fraud. I requested in writing that Shellpoint take immediate action to correct the adverse report with all three credit bureaus and provided them with a copy of the credit reports. 

Since that time I have received three letters from Shellpoint indicating that they are looking in to the matter. 

On XX/XX/2020, I called Shellpoint for an update on the issue and was told that they were not, in fact, looking in to this matter and that if I wanted it dealt with, I would have to work with my current mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several different addresses on my credit report I want the addresses removed I want only my name one address on my credit report very simple task
Product: Credit reporting, credit repair services, or other personal consumer reports

These unauthorized inquiries and its affecting my credit report and sould be removed XXXX date of inquiry XXXX
Product: Student loan

I am requesting that the late payments get removed from my account from XX/XX/XXXX-XX/XX/XXXX. I have struggled with financial instability for over a year which has caused me to struggle financially to afford basic needs such as food and shelter. Within that time frame I lost my job and have a death in my immediate family. That caused me to be homeless within that timeframe as well. I have XXXX children with no support and I am trying to get my finances under control. Im currently in the income driven plan for my loans however I struggle to pay that payment. Moving forward I will assure that on time monthly payments are a prior if I can get my payments a little lower that I can afford. If not I will make an on time payment for what I can afford.
Product: Student loan

AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.
Product: Mortgage

For several months, I have attempted to cancel PMI on my single-family residential mortgage with Round Point Mortgage. I have twice been misinformed by RPM personnel regarding the requirements, and today was informed of the denial. 

Because of the ongoing financial challenges and uncertainties due to the COVID-19 pandemic, I was in the RPM mortgage forbearance plan since the Spring. However, I was able to use my pandemic unemployment and other means to keep my mortgage payments generally current since that time. When RPM offered the plan to me, I was told by that customer service agent " no reporting '' - which to me means for ALL credit reporting agencies. I was NOT told that any 30 day late payments would subsequently jeopardize my loan payment history with " the investor '' ; i.e., XXXX XXXX. That was a booby trap setup by RPM. 

Notwithstanding the practical challenges of the surviving the pandemic, I made economic choices of balancing payments - mortgage vs credit card balances? - based on the information RPM stated to me regarding their forbearance plan. In addition to keep my mortgage generally current, I knew that I needed to also reduce credit card balances to be able to keep my credit score ( s ) high enough for a successful refinance. I should now be able to reduce the APR by almost half. 

I was told during a telephone conversation with an RPM customer service agent on XX/XX/XXXX that by making an additional mortgage payment ( for XXXX ), bringing the account current ; and, by getting off of the RPM forbearance plan, I would be able to have PMI cancelled. I had already made the XXXX payment on XX/XX/XXXX. I submitted the required documentation / request as instructed by the XXXX agent, and was told to expect an appraisal soon. My home 's value has increased significantly, so the loan balance -to- appraised value is well below the 80 % threshold, which the agent agreed with based on our views of it on XXXX. 

Despite this assurances and information provided BY RPM PERSONNEL, I was forwarded the denial letter today as part of a telephone discussion with an RPM " Customer Advocate Specialist ''. 

The bottom line is that RPM set me up to allow themselves and/or their " investor '', XXXX XXXX, to improperly continue to collect about {$170.00} per month in PMI, despite the fact that I've qualified for PMI cancellation for many months.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE AND UNVERIFIABLE ACCOUNTS WITH XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that Equifax has assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Pursuant to 15 USC 1681a ( 4 ) Equifax didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy.

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) Equifax violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did.

Pursuant to 15USC1681b ( 2 ) Equifax violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT.

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.
Product: Checking or savings account

My name and account was place in the XXXX  in 2018 because of report of fraudulent activity. I have tried several different times by phone to contact BOA but was not able to be verified in their system. I was told to go into XXXX of their branches and ask to be verified, I tried several times but could not be verified. The last time I entered into XXXX of the branches I was told by a representative that my account is closed and I could not bank with BOA ever again. Im not looking for information I already know. I was told by XXXX  that BOA has to be the one to remove my name from off the system. This has been five years and that is how long my name can be kept on XXXXBOA was suppose to already taken my name off XXXX  by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( Collection Agency XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

Midland Credit Management Inc LLC who is a subsidiary company for Encore Capital Group- have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a XXXX XXXX XXXX credit card I am still working with XXXX XXXX XXXX.. They also had someone come by my house!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00}